Never Talk About Money, Politics or Religion at the Dinner Table

Nov. 25, 2019

Lincoln Financial Group today announced that it has launched “The (Un)Spoken Plan” campaign featuring a social experiment called “Restaurant Talks,” in which they took over a restaurant, added hidden cameras and changed the menu to get real, unsuspecting families talking about finances. This is the first campaign from FCB’s New York office for Lincoln Financial since securing the company’s digital and social business in the first quarter of this year. The agency’s relationship with Lincoln Financial began in 2015.

“Restaurant Talks” was created in response to a new proprietary survey, entitled the 2019 Lincoln Financial Conversation Survey, that revealed, among other startling statistics, that 47% of Americans struggle to have conversations with loved ones about long-term financial planning. The campaign’s goal is to lower this unsettling number by encouraging people to talk to their loved ones about finances with the help of Lincoln Financial tools and resources. The initiative sets out to inspire Americans as they gather around the dinner table this holiday season.

The campaign film, which was directed by Washington Square Films director and hidden camera expert Andrew Lane, featured various families arriving at a restaurant for dinner. The families were handed a unique menu made up of surprising data points (the appetizers) and tough financial questions (the main courses) covering a range of savings, protection, retirement and financial planning topics. Diners were then informed by their waiter that they could pay for their meal only by having a meaningful financial conversation with their loved ones – right then and there. Hidden cameras captured the real reactions and enlightening discussions that followed.

Stu Mair, FCB New York EVP, Executive Creative Director, said:

“The survey was a real wake-up call for us. You think about all the things you talk about with your family, but for nearly half the country, finances aren’t one of them. We wanted to find a provocative way to break this taboo and get people talking. It was amazing to watch each family take on these tough questions – some for the first time – and how much they learned in just one, rather bizarre, meal. Hopefully, one conversation sparks another.”

 

Data from the 2019 Lincoln Financial Conversation Survey revealed that while 93% of Americans believe it is important to set a plan for their family and their own financial future, 47% of them – nearly half of the entire country – struggle to have financial conversations with their loved ones. Other key highlights from the survey show that Americans need help having these financial discussions:

• 38% of respondents said they did not talk to their spouse/partner about each other’s financial situation before getting married/committing to a long-term relationship.
• 55% of those without a financial plan are not confident in their retirement.
• 86% do not feel they have saved enough for retirement.
• 88% do not know or do not feel they have saved enough to protect themselves and their loved ones in the future.

Angela Schema, Vice President, Advertising and Sponsorships at Lincoln Financial Group, said:

“Lincoln believes that the more people talk, the better they can plan and prepare for their financial future, but our research shows people aren’t having these important conversations. This campaign uses authentic discussions with real people to engage and encourage people to start – or continue – their own financial conversations and empowers them by providing tools to help.”

 

This social experiment is part of the “The (Un)Spoken Plan” platform, and follows on the heels of the release of “Face The Conversation,” which challenges people to have these same types of tough financial conversations with loved ones via video chat as the first step in this process of transparency. For more information, please visit lincolnfinancial.com/unspokenplan for guides to help facilitate financial conversations with loved ones and connect with Lincoln resources.