1. Back to Basics. Instead of luxurious beauty and expensive fitness classes learn and master health regiments like yoga and qigong – kind of paying a one-off module to learn a skill set. Alternatively, subscribe to many low cost self-development courses , but high end, available in the net – as part of the virtual learning that spring from the global Covid19 pandemic issue.

2. Investing – Women Secret Weapon. Women would rather save than invest due to several factors. But women must build a diverse savings and investment strategy. Though man is keener and more knowledgeable with investment, but woman is more focus and opt for long term tenure. These two essential qualities impact the investment outcome tremendously and women should continue to leverage on these two power values.

3. Seek a Good Financial Planner. Take charge is the key word and be your own CFO while you are single. Given the multiple roles and responsibility, competency and complexity, the easier option is to explore and acquire a competent and trusted woman FP. Work with your FP to build a secure reservoir where you can incrementally add your financial resources – especially, after getting married which tend to blur the lines of finance for yourself, spouse and family.

4. Making Retirement Top Priority. This is regarding retirement funds and planning. With this there is an overarching goal that will give you clarity over other immediate financial needs for yourself and family. With this long-term priority and insight – many sacrifices, negotiations, decision making as regards to money and your men can be clear and focus. This also offer you plenty of solace and security – especially, when women longevity rate is higher.

Women must step forward to acquire financial literacy, explore and establish a partnership with an experienced financial planner and start to incrementally save and invest on a long-term basis. 

This will help her build a cosy financial nest and home that she can always turn to for security and safety, solace and support, either in retirement or in deep hours of need.