When I started on Wall Street, there was pretty good diversity in those junior ranks. And you know what? It hasn't made it to the top.

Typically, when you ask a financial adviser sitting with a couple: Do you treat the man and woman differently? They say, "No!"

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.

Women tend to very much, very much think of money as a means to an end, not as an end in itself.

If you haven't had a major fail in your career - face-plant level - you aren't trying hard enough.

I'm really putting my life towards helping women to invest, and there's a circular reference here because if women can invest and give themselves the opportunity to earn higher returns, they can start those businesses. They can go to work with a little more confidence to ask for that promotion, to ask for the new assignment, etc.

Women tend to collaborate, in my experience, more easily than gentlemen do.