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%.

As we work together and pool our resources, there's room for everyone to be successful.

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.

I was lucky. My children didn't have health issues, didn't have big school problems, etc. And as I watched some of my peers go through this, you can see how quickly a family can get derailed when they are not lucky.

Nothing bad happens when women are in positions of power.

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.

I can tell you that my experience has been that the gentlemen are more likely to come and ask for the order, ask for the raise, ask for the promotion, and that the women are less likely to do so.