Something happens in the middle when women are in their 30s, and we can start with an array of things that happen, whether it is - you hope this doesn't exist any longer - but overt discrimination; whether it's subtle gender discrimination, which absolutely does exist among men and women; whether it's the fact that it gets hard to juggle at that point children, housework, etc. But people still have to go home and cook the dinner and clean the dishes and get the beds made and so on. And so, for a whole bunch of reasons, women tend to fall out in their 30s still today.

Facts are that the financial advisers on Wall Street today or anywhere depending on which firm, what point in time - 85 to 88 percent male, and that is part of why investing for women they tell us feels unapproachable because they don't see people who look like them.

In our corporate culture, because someone may have to take some flexibility because of family issues, somehow we continue to believe they aren't fully dedicated.

What I saw a thousand times during the downturn was, 'We'd like to give her that opportunity, but we need to go with the sure thing - we can't afford diversity right now,'

I think that indicates why men tend to invest more wealth. If he loses some, there's more coming in. Whereas for women, it's like "Ugh, I gotta keep this."

When you speak to a man or a woman about money, they will use water visualizations. For men, it typically is a river. Money comes in; money goes out. The level rises; the level sinks. For women, when you talk about money, to her... it's a pond. It's a set amount. She husbands it, and it typically goes in one direction... which is down.

Women, girls and young ladies tend to be as good or better at math than boys, but you didn't think that either.