Forget sex, it's money we find difficult to talk about with our families Research found asking a friend or relative for loan was most taboo subject Only 23 per cent of Brits under 50 have arranged their will 30 per cent said they 'haven't even thought about it' Expert warns wills and assets need to be discussed to avoid future fall-outs Money has become the nation's most difficult conversation - even more so than the dreaded birds and bees chat between parents and their children - according to new research. The study found finances have become such a taboo subject that Brits would rather discuss their sex lives with their relatives than ask them for a loan or talk about their will. The majority of those polled said they preferred to talk about personal matters with their boss, workmates or even a stranger than their family. Money woes: When in financial trouble, Brits said they would rather turn to their workmates than their relatives The survey of 1,000 adults by website Sagalegal.co.uk found that for 39 per cent, asking a friend or family member to lend them money was the most difficult conversation of all. However, this rises to 50 per cent for those in their 50s and over, suggesting it becomes more embarrassing to go cap in hand to a loved one as people gets older. Discussing a will with relatives was a difficult subject for 18 per cent of adults. But it becomes less so as we age with only 13 per cent of over-60s saying they don't like talking about it. The survey found only 23 per cent of Britons under 50 have arranged their will and what will happen to their assets after they die, rising to 26 per cent of those in their 50s and 41 per cent for those in their sixties and over. Almost one in five have discussed such matters but haven't put it in writing but 30 per cent say they have 'not even thought about it', including 19 per cent of those in their 50s. Taboo subject: But experts say wills should be discussed to avoid future legal problems Emma Myers, head of wills, probate and lifetime planning at Saga Legal Solutions, said Brits need to overcome their reluctance to discuss their will to avoid future complications. She said: 'It is fascinating to see that Britons find it harder to talk about money than sex but it can be embarrassing to ask a friend for money. But while you can put off some difficult conversations forever, this is never a good idea when it comes to making a will or arrangements for what happens when you die. For the sake of peace of mind, and to avoid any future legal problems, it is best to make those decisions early. The traditional birds and bees conversation is still one that 24 per cent of adults dread but many of them never need to have it - as 30 per cent said they learnt about the facts of life at school rather than from their parents. Other difficult conversations include asking a boyfriend or girlfriend to move in, medical issues in general and telling a partner about a major purchase. One in five of those in their sixties (20 per cent) admitted they found it hard to discuss arrangements for how they want to be cared for in old age.