If you're like most people, you probably know it's hard to save money. Really hard. But do you know why?

Sure, we all know that one person who is really good at managing money and seems to have this whole saving thing figured out. But for the rest of us, storing all those "acorns" away for the winter is just tough. We all know it's important, but where — and how — do we even start?

First, know that you're not alone: Research shows that a lot of Americans don't have much in savings. One survey of about 5,700 people released by the Federal Reserve found that 46% of adults could not cover an emergency expense of $400 without selling something or borrowing money.

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Starting a money talk can be awkward. But these tips may make it easier.

Talking to your boss, partner, or child about money? We got you.

Talking about money is tricky business.

Think about it. Many of us share the most intimate details of our lives with friends and coworkers and even on social media. But money? That's still as taboo as it's ever been, and talking about it can get uncomfortable really quickly.

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TD Ameritrade

The true cost of avoiding talking about money with your significant other.

Not talking about money can seriously damage an otherwise healthy relationship.

Only a couple of years ago, the idea of sharing how much money you make with your colleagues or friends was one of those taboos that you just don’t mess with.

But recently, there’s been a huge conversation about getting those numbers out in the open.

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