In my recent look into women’s finances, I came across some interesting stuff related to some research that was done about women who earn six figures.

Barbara Stanny, author of Secrets of Six-Figure Women says, “Women, especially, do not get serious about money until they lose a job, lose a spouse or are near retirement.” For her book, Stanny interviewed women earning between $100,000 and $7 million annually. “The biggest surprise I had, bar none, was how few of these women were wealthy,” she says. “Many of them were living paycheck to paycheck, but at a higher level than their middle-income counterparts.”

At first I was struck by how much I wished these women could not only earn high salaries, but also have the smarts to hang on to it. Once I sat back to think about it, I realize that it is also a symptom of our culture rather than simply women. Chances are that many of their male counterparts making six figures are also over extended.

It is worth noting that the common traits that Stanny found about these women were:

MUST HAVES

  1. A Profit Motive
  2. Audacity
  3. Resilience
  4. Encouragement

BIG HELPERS

  1. Self-Awareness
  2. Nonattachment
  3. Financial Know-How

All of these seemed to make sense to me, but when I got to the secrets of six-figure women I was struck by how much they contrast with men’s views of finances.

A Few Six-Figure Secrets

*Focus on fulfilling your values rather than financial gain.

*Loving what you do is much more important than what you do.

*Feel the fear. Have the doubts. Go for it anyway.

*Working hard doesn’t mean working all the time.

*Money is not the motivator—it’s what money represents.

Check out excerpts here from Stanny’s book.

Enjoy!

Miel

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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