I would say one of the reasons that women don't invest to the same extent that men do, is because we still think of it in some ways as a male pursuit.

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.

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 collaborate, in my experience, more easily than gentlemen do.

If a woman waits 10 years to invest, "I'm busy", "I've got to do this", "I can put it off", "I gotta find the right financial..." It costs her $100 a day. $100 a day! And if we had money falling out of her pocketbook at the rate of $100 a day, we'd change our pocketbook; we'd fix our pocketbook.

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

The truth is, if you are a woman saving 10% of your income for retirement, and you put it in the bank account, your chances of retiring well - living on 90% of your pre-retirement income for your full life - is 0%.