Rocking the Boat

Why is communication about important things so hard? I mean seriously, important things should be talked about. Important things like:

Finances
Hurts
Discipline
Heart emotions
Areas in your life and/or your spouse's life that need growth
The list goes on.

Yet when the time comes to talk about these things, my first instinct is to clam up and hide. Is it that I don't want to rock the boat? Is it that I just don't like being the one to create conflict? I really don't know. I just know that sometimes opening up and talking is the hardest thing to do. I have to force myself to do it.

Can anyone else relate?
I'd love to open a dialogue here, get some feedback. So here are two questions:
1. What issues are the most difficult for you to discuss with your spouse?
2. How have you grown in the area of keeping open lines of communication?

I love you, bloggy friends.