Katie

And the reality is that women statistically face different financial challenges than men do. So first of all, you have an entire industry, beauty and personal care, this is what I cover in chapter one, that almost exclusively markets its products to women. Now, the average woman who spends money on her appearance as of 2017 was spending around $300 per month on beauty and personal care.

And the reality is that women statistically face different financial challenges than men do. So first of all, you have an entire industry, beauty and personal care, this is what I cover in chapter one, that almost exclusively markets its products to women. Now, the average woman who spends money on her appearance as of 2017 was spending around $300 per month on beauty and personal care.

And the reality is that women statistically face different financial challenges than men do. So first of all, you have an entire industry, beauty and personal care, this is what I cover in chapter one, that almost exclusively markets its products to women. Now, the average woman who spends money on her appearance as of 2017 was spending around $300 per month on beauty and personal care.

Over a 40-year career, if you had invested that money instead, getting average market returns, we're talking simple index fund, nothing fancy, You're talking about around a million dollars in opportunity cost. So we're not just talking about costs at the margins. These are retirement supporting amounts. Then you have to consider the fact that women now negotiate just as often as men do.

Over a 40-year career, if you had invested that money instead, getting average market returns, we're talking simple index fund, nothing fancy, You're talking about around a million dollars in opportunity cost. So we're not just talking about costs at the margins. These are retirement supporting amounts. Then you have to consider the fact that women now negotiate just as often as men do.

Over a 40-year career, if you had invested that money instead, getting average market returns, we're talking simple index fund, nothing fancy, You're talking about around a million dollars in opportunity cost. So we're not just talking about costs at the margins. These are retirement supporting amounts. Then you have to consider the fact that women now negotiate just as often as men do.

There is no longer a negotiation gap, which was kind of a popular talking point in the early 2010s. But they are still 15% less likely to get a raise when they do. And part of the reason that this happens is because the advice to be aggressive, the advice to demand your worth, that doesn't work for women the same way it works for men.

There is no longer a negotiation gap, which was kind of a popular talking point in the early 2010s. But they are still 15% less likely to get a raise when they do. And part of the reason that this happens is because the advice to be aggressive, the advice to demand your worth, that doesn't work for women the same way it works for men.

There is no longer a negotiation gap, which was kind of a popular talking point in the early 2010s. But they are still 15% less likely to get a raise when they do. And part of the reason that this happens is because the advice to be aggressive, the advice to demand your worth, that doesn't work for women the same way it works for men.

Because women who pursue what we perceive to be masculine goods or who we perceive to be behaving in masculine ways... they are more likely to face pushback. Now, the same is true, by the way, for men who pursue flexibility or behave in more feminine ways.

Because women who pursue what we perceive to be masculine goods or who we perceive to be behaving in masculine ways... they are more likely to face pushback. Now, the same is true, by the way, for men who pursue flexibility or behave in more feminine ways.

Because women who pursue what we perceive to be masculine goods or who we perceive to be behaving in masculine ways... they are more likely to face pushback. Now, the same is true, by the way, for men who pursue flexibility or behave in more feminine ways.

So basically, if you're behaving in a gender-incongruent fashion, you are more likely to be penalized in the workplace for that, but it just so happens that that penalty for women means fewer material resources. So sometimes this manifests in what we come to think of as the gender wage gap. Women do earn around 15% less on average as an aggregate group.

So basically, if you're behaving in a gender-incongruent fashion, you are more likely to be penalized in the workplace for that, but it just so happens that that penalty for women means fewer material resources. So sometimes this manifests in what we come to think of as the gender wage gap. Women do earn around 15% less on average as an aggregate group.

So basically, if you're behaving in a gender-incongruent fashion, you are more likely to be penalized in the workplace for that, but it just so happens that that penalty for women means fewer material resources. So sometimes this manifests in what we come to think of as the gender wage gap. Women do earn around 15% less on average as an aggregate group.

This is a gap that widens as women progress in their careers. It's actually the largest for women in their 50s and late 40s. And I talk about this in the book as a function of kind of the caregiving and unpaid labor gap. It's the opposite side really of what's happening at home. So we have to be aware of that when we're planning for our financial futures.

This is a gap that widens as women progress in their careers. It's actually the largest for women in their 50s and late 40s. And I talk about this in the book as a function of kind of the caregiving and unpaid labor gap. It's the opposite side really of what's happening at home. So we have to be aware of that when we're planning for our financial futures.

This is a gap that widens as women progress in their careers. It's actually the largest for women in their 50s and late 40s. And I talk about this in the book as a function of kind of the caregiving and unpaid labor gap. It's the opposite side really of what's happening at home. So we have to be aware of that when we're planning for our financial futures.

And then finally, you have the simple reality that women live around six and a half percent longer on average than men do. So statistically speaking, women are more likely to be the ones who will bear the brunt of poor long-term financial planning. So their portfolios need to last longer. They need to invest more aggressively. And they also need to know how to manage money alone.

And then finally, you have the simple reality that women live around six and a half percent longer on average than men do. So statistically speaking, women are more likely to be the ones who will bear the brunt of poor long-term financial planning. So their portfolios need to last longer. They need to invest more aggressively. And they also need to know how to manage money alone.