Money Talks, and So Do Women
Imagine a world where your investment portfolio gets as much attention as your skincare routine.
Where compounding interest is just as thrilling as your favorite drama series.
Sounds empowering, right? Well, it’s not just a dream—it’s a necessity.
In 2025, more women are making boss moves financially, yet there’s still a gap in how women invest compared to men. But here’s the tea: that gap? We’re closing it. Slowly, loudly, and with a little sass.
Let’s unpack:
Why does bias exist in investing?
How to flip the narrative
How to build wealth without gatekeeping
Total beginner or side-hustling queen? This one’s for you.
The Bias is Real: Let’s Call It Out
Let’s face it—the financial world wasn’t designed with women in mind. For decades, Wall Street was more “Wolf” than welcoming.
Studies show women are:
Less likely to invest than men
More likely to keep money in savings (hello, inflation loss!)
Targeted less by financial education campaigns
And yet—when women do invest?
They outperform men. According to a study by Fidelity, women earned 0.4% higher annual returns because they traded less and played the long game.
“So you’re telling me… that the patriarchy is holding back returns too?”
Exactly. But not anymore.
Step 1: Understand Why You Need to Invest
If your money’s under a mattress or wasting away in a low-yield account, it’s not working for you. Investing helps:
Grow wealth over time (thanks, compounding)
Beat inflation
Fund major life goals (home, retirement, dream trip to Bali, etc.)
Build independence (because “I got this” > “I need help”)
Women tend to:
Live longer
Take more career breaks (hi, motherhood)
Earn less over a lifetime
So, investing is your financial armor.
Step 2: Build Your Financial Foundation
Before jumping into investing, start with the basics:
Budget like a boss: Know your income, expenses, and spending leaks
Emergency fund: 3–6 months of living expenses in a high-yield savings account
Debt check: Prioritize high-interest debt. Not all debt is created equal
Once that’s handled, you’re ready to talk portfolios.
Step 3: Investing 101—Made Simple (No Jargon Allowed)
Let’s strip it down to the basics:
Stocks: Own a piece of a company. High risk, high return
Bonds: Lend money to companies or governments. Lower risk, lower reward
Mutual Funds/ETFs: Baskets of investments. Great for diversification
Index Funds: Like ETFs, but less active. (Warren Buffett’s favorite)
Real Estate: Land, homes, Airbnb dreams
Crypto: Risky, volatile, but trendy (invest with caution)
Step 4: Choose Your Investing Style
There’s no one-size-fits-all. Choose your vibe:
Hands-off Hunnies: Try robo-advisors like Ellevest, Betterment, or Wealthfront
DIY Queens: Platforms like Vanguard, Fidelity, and Schwab let you choose your own investments
Group Investors: Join an investment club or community for motivation
Bonus:
Some platforms are designed for women.
Ellevest, for example, tailors advice to gender-specific salary curves and life patterns.
Step 5: Start Small, but Start Now
You don’t need a trust fund. You can start with as little as $10.
Example strategy:
$50/month into an S&P 500 index fund
Compounded over 30 years = potential six-figure future
Don’t wait for “the right time.”
Time in the market > timing the market.
Common Biases Holding Women Back
Perfection paralysis: You feel like you need to know everything
Fear of risk: You’re afraid of losing money
Lack of representation: Few women advisors = less trust
Cultural conditioning: “Money isn’t a woman’s domain”—bye to that
Reframe the mindset:
Investing is a skill, not a gender role
You can learn, unlearn, and grow
Breaking the Bias: What We Can Do
Talk about money: Normalize investing convos like we do skincare routines
Educate yourself: Follow creators, read books, and take free courses
Find your tribe: Online communities like HerMoney, Clever Girl Finance, and #FinTok are GOLD
Support women-led tools: Keep our coins in our community
Top Tools for Female Investors
Ellevest: Tailored to women, by women
Robinhood: User-friendly (watch those fees)
Fidelity & Vanguard: Classic platforms with low fees
Bloom: Great for managing retirement accounts
Public & M1 Finance: Perfect for fractional shares
Pro tip: Always check fees and do your own research.
Final Words: Get in the Game
Investing isn’t about becoming a Wall Street mogul overnight.
It’s about:
Building wealth
Owning your future
Rewriting the rules that kept women boxed out
You don’t have to be fearless. You have to be consistent.
So grab your iced coffee, open that investing app, and take your first step.
Because girls wanna have funds.
