She Who Manages the ‘Gold’, Makes the Rules

Women live longer than men.  This is fact.  So it makes sense that we need a few more coins in the bank to make it through our golden years without going broke.

We face many more challenges which prevent us from saving enough for retirement.  Our careers are often interrupted to care for the little ones and/or elderly parents resulting in earning less money during our prime years, lower retirement balances, social security benefits and pension benefits than men in the same age group.

The average amount of social security benefits is a little over $17,000 per year for men and a little over $13,000 per year for women. One of the reasons that women are likely to have lower lifetime benefits is because they often have lower lifetime earnings than men. They are more likely than men to take time out of the workforce to care for family members. And of course we still have the issue of gender inequality [in wages]. – NPR.Org

I don’t know about you, but eating cat food and Ramen Noodles isn’t what I have planned for retirement.

This now begs the question:

What stops you from saving adequately for retirement? 

  • Do you have a retirement account?
  • Do you have enough saved?
  • Is debt one of the factors getting in the way?
  • Do you understand the investment options available to you through your retirement plan?  For example, do you understand the differences between a 401(k) and 403(b)?
  • Where should you be investing your money?

Personally, I’d have to say that debt prevents me at this moment from saving adequately for retirement.  But that will be a non issue in a few months.  Cost of living would be another one as I live in a high cost of living area, Washington, DC.  I know that when I get married again, having children and possibly having to care for elderly parents might factor into my overall lifetime retirement savings.

Figuring all of this out can feel overwhelming with everything else we have going on.  We’ve got jobs, kids, husbands, businesses and family issues to deal with on a daily basis.  Who has time to sit down and chart out retirement planning and savings?

Enter the Smart Women Finish Rich® Seminars!

We’ve teamed up with Edelman Financial Services to get the word out about educating smart women about the steps needed to achieve their financial goals!

You know David Bach.  He’s the wildly successful author behind 9 NY Times Best Sellers and the man behind The Latte Factor®

 

Smart Women Finish Rich

Smart Women Will Learn:

How to put your money where your values are
How to Figure out where you stand financially
How to develop a plan for financial security in good times and in bad times
How to use the power of “The Latte Factor®
Why smart women are practicing the Three Basket Approach to personal finance
Which retirement account you should use now
The 5 biggest mistakes investors make
Why women make better investors than men
How to determine if you need insurance and what type you need
When you need a will or living trust
How to raise Smart Kids to Finish Rich
Plus much more!

Get the Tools to Help You Get Started on a Successful Financial Journey!

You’ll receive two copies of the New York Times bestselling book, Smart Women Finish Rich® (one for you and one for a friend!) and a brand new, completely updated for 2014 seminar workbook containing the tools you need to help you plan for your financial security and fund your dreams.

Tuition is $15, but Girls Just Wanna Have Funds readers receive a special code BLOGS1 to waive the cost making it totally FREE!  We like $Free.00 over here, don’t we?  Yes ma’am!

So what’s your next move?  If you’re in the DC Metro area sign up for one of the 3 upcoming seminars.  You can also join our DC Meetup group and meet some of our fabulous members who will be in attendance!

Columbia, MD | Fairfax, VA and Bethesda, MD

 

She-Who-Manages-the-Gold

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