A lot of us feel a lot of resistance around "the talk." And that's because they are considering opening up to this person that they haven't developed enough trust with yet. It might be helpful to think of building up to having the talk with someone as steps toward deeper trust — instead of a shock of diving into a deep, frigid pool.
Here is an example of how to have a "meta conversation" to test out the waters of trust and intimacy before diving right into a super-vulnerable talk.