Americans believe that discussing personal finance is just as difficult as speaking about religion and politics, according to Wells Fargo's Financial Health study.

Nearly half of Americans say the most challenging topic to discuss is personal finances, followed by death, politics, religion, taxes and personal health.

Thirty-nine percent of Americans report that money is the biggest stress in their life and 39 percent say they are more stressed about finances than they were last year. Thirty-three percent of respondents admit they lose sleep worrying about money.

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