
Editor's note
The Unseen Engine of American Finance: Women Over 40
By 2025, women over 40 will control a staggering 75% of the United States' wealth. This is not a matter of trend or prediction – it's a fact.
The Worthy
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You'll need to retire 30 years later than your peers to live comfortably in a city like New York. But that doesn't have to be true.

By the time you're 25, you'll have spent over 1.5 million minutes at your job, according to the Bureau of Labor Statistics. That's equivalent to 27 years of 8-hour workdays.

By the time most women reach their 50s, the harsh reality of retirement savings sets in: the average American woman has less than $10,000 set aside for her golden years. Yet, a select few will retire comfortably, with a nest egg worth millions.

As of 2022, the top 1% of earners in the United States have a staggering 26% of the country's wealth. Meanwhile, 40% of millennials are either delaying or forgoing charitable giving due to financial stress.

Wealthy women in the US have, on average, 2.5 times more net worth than their male counterparts by age 45, according to a 2020 study by the Federal Reserve. This disparity is not solely due to differences in income, but also to the savvy financial planning and management skills t

According to a recent study, 63% of women will experience a significant life change by the age of 40, whether it's a divorce, job loss, or the need to care for a loved one. This reality requires a financial plan that's as flexible as it is forward-thinking.

As of 2022, the average American has around $40,000 in savings – a number that's been steadily increasing over the years. But despite this growth, the interest rates on traditional savings accounts are laughably low, often hovering around 0.01% APY.

As of 2022, the average American woman has only 80 cents to her name for every dollar earned by her male counterpart. However, this isn't just a problem of pay equity – it's also a wealth gap.

The average American woman owns over 300 items of clothing, a staggering number that's been fueled by the rise of fast fashion and the societal pressure to constantly update our wardrobes. But the true cost of this impulse-driven consumption goes far beyond the initial purchase p

According to a study by the National Foundation for Credit Counseling, nearly 40% of Americans lack a clear understanding of their financial situation, leading to stress, anxiety, and poor financial decisions. As a smart and ambitious woman, you deserve better.

For every $100,000 you borrow, not negotiating your mortgage rate means you're overpaying by at least $12,000 over the life of your loan. That's $12,000 that could be in your savings account, your retirement fund, or invested in your future.
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