The only thing more awkward than talking about money? Asking questions about money.

It reveals gaps in our knowledge that most of us feel we should have somehow filled in years ago. If you’re feeling overwhelmed by the options in your 401(k), you could ask your coworker, but then you’d be forced to admit that your contributions have been lackluster. Confused about a clause in your rental agreement? You could ask a friend, but that might mean acknowledging that your parents still serve as your guarantor.