Biologists say conversations are essential to our survival, yet we’re having less of them and getting worse at them. We talk about money every week in hopes of inspiring you to do the same. But we know. It’s hard. Celeste Headlee is here to help. The author of the new book “We Need to Talk: How to Have Conversations That Matter” shares five ways we’re holding ourselves back from being better communicators. Then, Kelly and I answer your questions on credit freezes and the FAFSA and consolidation loans. And we dive into burn out — and how to avoid it.