Women and finances

It's time to own your worth. Let's talk money.

In 2018, we embarked on a groundbreaking study of women. To our surprise, we uncovered that even the most successful women avoid major financial decisions. It's critical to reverse this trend because eight out of 10 women will one day manage finances alone. Here's what women who have been there urge you to do to own your worth.

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It’s time to own your worth.

Nearly half of women leave major financial decisions to their spouse

  • 49% “My spouse takes the lead.”
  • 35% “We participate equally.”
  • 16% “I take the lead.”

Even successful women and millennials leave decisions to their spouse

  • 46% Women with advanced degree
  • 41% Primary breadwinners
  • 54% Millennials

COVID-19 is hurting women's financial security

  • 68% "I'm discussing money more with my partner."
  • 67% "I'm shouldering more of remote schooling duties than my partner."
  • 61% “COVID-19 is hurting my career.”

The journey continues

In this age of #metoo, breaking the glass ceiling and progress toward greater equality, are things actually changing? Not enough. Even though women and men believe equal financial participation is necessary for true gender equality. But there are signs that women are ready to own their worth.

Watch highlights from our special events

Love and money do mix, with Paulina Porizkova

Career. Marriage. Motherhood. Divorce. Widowhood. Model and author Paulina Porizkova has seen it all, and shares her advice for making sure you are taking control of your finances.

Touching audiences, changing Hollywood with Laura Dern

Oscar Award-winning actor and producer Laura Dern shares how her fight for equal pay is breaking the glass ceiling in Hollywood, and how she talks money with her daughter.

Own your worth 2020

An all-star line-up—featuring Billie Jean King, Lisa Leslie, Paula Polito, Paulina Porizkova, Elaine Welteroth and Dr. Jill Yavorsky—shares their own stories of money, power and resilience.


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Take a seat at the money table

Tips and tools, without jargon or complexity, starting with a quiz that identifies each person's money language and ideas for how to begin your financial journey.

The latest insights

Articles, videos and podcasts on topics ranging from retirement planning, divorce, finances and financial management.


Frequently avoided questions

The most important questions can seem overwhelming. But it's time to start asking them. You’re more than ready for the answers, and we have a few ideas below.

Budgets aren’t just for making ends meet.

Budgets can help you save for what you value most. Now is the time to do a budget check. 


When you’re moving forward you may need cash to fall back on.

Consider saving and keeping some cash for an adequate emergency fund.


New Financial Goals Kickstart Guide

It’s time to reevaluate how your financial goals fit with the goals you have for your life. Meeting with a Financial Advisor can help you build a comprehensive plan and remove some anxieties around the unknown. Here is a list of questions to talk with a Financial Advisor about right now:

  • Do I have enough to sustain my lifestyle?
  • What is my updated net worth and asset allocation?
  • Does my current budget align with my goals?
  • Are my values reflected in my individual financial plan?
  • Am I saving enough and in the right places?

There is a tremendous benefit to communicating openly about money. Sometimes it helps to take the emotional charge out of the conversation and plan what you say in advance. Here are some tools to help get you started.


Money Talk

When you open the lines of communication early and often, money talks don’t have to be contentious. UBS research shows that partners who share financial decisions feel more positive about the future and less anxious about money.1


Financial Dreams Kickstart Guide

Dreaming about what you want your money to do can be fun. Use this Financial Dreams Kickstart Guide to get going.

  • What do you want to accomplish in your life?
  • What are your main concerns?
  • What do you want your legacy to be?
  • Who are the people that matter most to you?
  • How do you plan to achieve your life’s vision?

Express your desire to join in the financial decisions with your partner.

Our fill-in-the-blank money talk guides are the perfect way to organize your thoughts when it comes to commonly avoided conversations. Start planning now.

Few conversations are as important as planning for a future without you or your spouse. Who will make important decisions in the case of a death or illness? Who will care for your loved ones? How will you pass on your wealth? If you and your partner don’t make decisions now, they could be made without you later.


Money Beliefs Kickstart Guide

These conversations are tricky. You and your partner may have different ideas about what you want your money to do, both now and after you're gone. If you understand why your partner feels differently, it will be easier to come to an agreement. Use this Kickstart Guide to help start a conversation that gets to the root of both your values.

  • Who do you want to receive your wealth if you’re no longer able to enjoy it?
  • Who are the most important people in your lives and how should your wealth be divided among them?
  • Do you and your partner agree on how much to leave to your children, if any?
  • Do you want to leave anything to the people or causes you care about?
  • Do you want to put any parameters around inheritance?
  • If you and your partner disagree, can you find a compromise with elements that are important to you both?

Make a plan with your partner to take care of your family if something happens.

Our fill-in-the-blank money talk guides are the perfect way to organize your thoughts when it comes to commonly avoided conversations. Start planning now.


Supporting your parents isn’t something everybody plans for. When you’re ready, let your parents know you want to discuss finances because you care so much about them.


Cash Cushion

If you need to help care for someone else down the road, you may want to increase your cash to cover their needs as well. Contact a Financial Advisor to help you plan.


Talk to an Advisor Checklist

  • Financial and estate plans
  • Savings and checking accounts
  • Emergency funds
  • Expenses
  • Pensions and Social Security
  • Retirement accounts
  • Investment accounts
  • Life insurance policies
  • Long-term care policies
  • Loans, credit lines and other debt
  • Trust accounts
  • Real estate
  • Annual gifting
  • Charitable giving

Discuss a financial plan for the future with your parents.

Our fill-in-the-blank money talk guides are the perfect way to organize your thoughts when it comes to commonly avoided conversations. Start planning now.

Let’s talk

It’s time to own your worth.