Unified personal policy: I don't lend from salary, I gift up to a known cap — avoid awkwardness.

Open the sensitive money talk with a values question first, not a direct numbers spreadsheet.

Don't ask "do we need another hire?" — ask "if we started today with nobody, who'd we hire first?".

Weekly allowance split three ways (spend/save/give) builds financial literacy before age 12.

Check all your emails on haveibeenpwned.com to know which breaches exposed your data.

Don't paste contracts, health data, or IP into a public model — may appear in later training.