“De dinero no se habla.” (Money isn’t discussed.) It’s a notion so ingrained in Hispanic culture that to this day my parents don’t know how much I make, and I don’t know how much they need for monthly expenses.

I’m Josh Rivera, an editor at USA TODAY focusing on money and consumer tech trending news. And like most of my millennial cohorts, I’ve been left to figure out everything from credit scores, to lease agreements and investing on my own.

The problem: By not having money conversations with family, hard-earned lessons from our parents do not get passed down. Thus, the cycle of money mismanagement continues and younger generations are left to figure out everything on their own.

For many families, like my own growing up, the main goal was getting to the next paycheck. It’s a trend that has unfortunately continued with as much