About 46% of U.S. adults say “lack of money” is a topic that is likely to start a family argument.

Researchers at Nationwide Mutual Insurance Company, Columbus, Ohio, have published that finding in a summary of results from an Internet survey of 1,620 U.S. residents ages 18 and older.

Nationwide commissioned the survey to explore the barriers that keep consumers from holding conversations about topics of interest to insurers, such as death and old age.

Company researchers found that many financial issues are often “elephants in the room,” or issues that members of families often think about but rarely dare to discuss.

About 42% of the participants described “health concerns” as a “tough talk,” and 40% listed “household budgeting” as a tough talk.

“Running out of savings” was a tough talk for 38%, and “philosophy on raising kids” and “use of credit” were tough talks for 36%, the Nationwide researchers report.