Biologists say conversations are essential to our survival, yet we're having less of them and getting worse at them. In fact, many of us think we're better at it than we really are. We talk about money every week in hopes of inspiring you to, and while this week is no exception, in this show, we're getting technical about the talking part. We sit down with conversation expert Celeste Headlee, author of the new book We Need to Talk: How to Have Conversations That Matter. She makes the case for communication being the skill to focus on and improve (especially when money is involved), and shares five ways we're holding ourselves back from being better communicators. Kelly and I answer your questions on whether credit freezes affect FAFSAs, scholarships for members of the military and consolidation loans. And then we discuss burn out: the signs to look for, how to recharge and how to avoid it in the future.