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# Survey: Most Canadian Men Are More Comfortable Talking About Sex Than Their Credit Score
- URL: https://www.moosemoney.com/canadian-money-taboos-survey/
- Published: 2026-05-20T12:00:17.000Z
- Updated: 2026-05-20T12:18:10.000Z
- Author: Julien Brault
- Tags: Money Troubles

I often say that money is one of the last taboos in Canada. Unsurprisingly, a survey we recently conducted at MooseMoney confirms that many Canadians would rather talk about their sex life than their finances.

![](https://storage.ghost.io/c/77/c8/77c85479-a0ac-4262-86a4-5bf860683721/content/images/2026/05/Canadian-Money-Taboo_ready.jpg)

## Credit Scores Are Nearly as Taboo as Sex Lives

At the national level, the split between what people would rather discuss with friends was almost perfectly even: 50.1% of Canadians chose their credit score, while 49.9% chose their sex life. That average conceals a real gender divide, though. A slim majority of men (50.9%) said they would rather talk about their sex life with friends than [reveal their credit score](https://www.moosemoney.com/check-credit-report-canada/). Women leaned the other way, with 52.7% preferring to discuss their credit score over their sex life.

Financial situation plays an even bigger role than gender. Among Canadians who described themselves as comfortable, 79.1% would rather discuss their credit score with friends than their sex life. Among those who described themselves as struggling, that number flipped entirely: 61.2% preferred to talk about their sex life than their credit score. The more financial pressure someone faces, the less willing they are to talk about money.

## **Waiting Too Long to Ask for Help**

If they could no longer afford basic living expenses, 42% of respondents said they would wait until the problem felt out of control before contacting a professional. Another 31.1% said they would try to handle the debt themselves indefinitely rather than ever seek help and 14.6% would wait until they are threatened with legal action. Only 9% would reach out after missing a single payment. 

By the time most people consider calling a Licensed Insolvency Trustee, their options have already narrowed considerably. And that is assuming they actually know who can provide them with debt relief options. In fact, only 53.7% of the respondents correctly identified Licensed Insolvency Trustees as the right professionals to contact for a bankruptcy filing. 33.6% of the respondents said they did not know who to call, 6.2% thought they should call Canada Revenue Agency and 4.9% thought they should contact a lawyer.

This trend is particularly worrisome in the current economic context that saw [consumer insolvencies rise 2.2% ](https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/statistics-and-research/insolvency-statistics-canada-january-2026?ref=moosemoney.com)during the 12‑month period ending January 31, 2026.

## **Little Financial Lies**

Nearly one in three Canadians (31.5%) admitted to lying or intentionally misleading someone about their annual salary. More than a quarter (26.3%) have lied about their credit card debt, and 22.9% have misrepresented their credit score. These numbers point to a culture where financial shame is common enough that fabrication feels like a reasonable response.

Here too, financial situation is the strongest predictor. Struggling Canadians were far more likely to lie across every category: 38.1% lied about their salary versus 20.9% among comfortable Canadians, 31.4% lied about their credit card debt versus 12.8%, and 30.4% lied about their credit score versus 9.3%. The people most likely to benefit from honest conversations about money are the ones least likely to have them.

Gender also plays a role, in a direction that may surprise. While both sexes lied about their salary at nearly identical rates, women were more likely than men to have misrepresented their credit card debt (29.3% vs. 22.8%) and their credit score (25.1% vs. 20.1%).