If you don’t ask, you don’t get. But what if you do ask, you do get, and the other person loses out? And is that what happens when comparatively wealthy Westerners barter abroad? This week, The Telegraph’s straight-talking Deputy Comment Editor, Lucy Denyer joins Sam Meadows and Lauren Davidson from the Personal Finance team to answer one reader’s query about whether it’s ok to ask for money off whilst on holiday. And - ethics aside - Lucy admits she’s just too British to do it herself. Plus our journalists advise a woman who hasn’t told her husband about her secret pot of money even though her family is struggling financially. Is it too late to own up? Tell us your moral money issue and we might discuss it on the podcast - email us at [email protected] or leave us a voicemail on 07867 162 170. Listen to Audio Football Club: http://www.playpodca.st/afc Get 30 days' free access to The Telegraph: https://www.telegraph.co.uk/audio