International Women’s Day: Gender, Equality and Personal Finance

Happy International Women’s Day!

We’re marking the occasion with a content celebration featuring work from women in personal finance media. Check out the intersection of gender equality and money below.

Gender Equality & Personal Finance

Have the conversation. Advocate for yourself. When you do well in your position, ask for a raise.


Tremaine Wills, MBA

“The gender pay gap is still alive and well. Ultimately, this issue is the responsibility of our government and our business. They are the ones who can create and implement equal pay policies across the board. But that doesn’t mean that the rest of us are helpless to make change.”


Maggie Germano

Whenever women negotiate, there is always a “Shadow Negotiation” – the unspoken assumptions, cultural norms, and self-sabotage that shape the negotiation itself.”


Rebecca Neale on Bedford Family Lawyer

“The impression I got was that Michael wanted to believe that women are inferior because that made him superior.  That’s understandable isn’t it? Everyone wants to feel powerful.


-Roxanne of Finance Rox


“Financial literacy starts with communication. The more we communicate with each other about money, the less intimidated and scared we will be of it.”


Daniella at I Like to Dabble

“My first reaction to a thorny money issue involving difficult people: find an alternate route, a way of avoiding fear and confrontation. Then I remember I don’t need to do that: I can face the twists, turns, and uncertainties.”


Julie Rains on Investing to Thrive

“Not enough has changed since 1998: women are underrepresented in some industries and overrepresented in others, namely part-time work in the service industries.” Team

“There is so much to be said about making decisions from the heart rather than just the head. What’s even better is when we can augment that with concrete supportive data to substantiate our stance.”

Yulin Lee

“I’ve had more than one employer in the past. And I got raises from all but one of them. Even after being told no. ”


-Jackie Beck

“When women are allowed to work and are then compensated fairly for their work, the entire economy performs better.”

Femme Frugality

International Women’s Day on Social Media

If you want to check out even more content on gender equality, check out #IWD2020 across social media platforms!

If you’re interested in gender equality and money in particular, you’ll find even more great work from our community by liking, sharing and commenting on #PersonalFinancebyWomen posts across social media.

Here’s some of what you’ll find on the IG hashtag during the celebration! Give these posts a like and their authors a follow.

Join Personal Finance by Women for International Women’s Day

March 8 is International Women’s Day.

In honor of the holiday, Personal Finance by Women is putting together a content celebration!

Join us by creating a piece of content on your site around gender equality and its impact on individuals’ personal economies or independence.

Here are some ideas to get you started:

  • Has gender inequality affected your career?
  • Has the wage gap impacted you?
  • Have you ever felt like gender played a role in how well your salary negotiation attempts were received?
  • Have you ever had trouble securing funding as a female or nonbinary business owner?
  • Has gender inequality affected your financial education?
  • Or any other part of your education?
  • Why should businesses care about creating workplaces that celebrate gender equality?
  • Does a lack of gender equality affect your medical decisions? How does this in turn affect your finances over the short-term and long-term?
  • Has gender inequality affected your housing decisions?
  • How do you think we can encourage a culture of gender equality moving forward?
  • What are actionable steps individuals can take towards building that gender-equal future?

These are just ideas; feel free to create! You are welcome and encouraged to incorporate additional themes you have lived experience with at other various intersections of oppression.

How do I join?

If you are a female or nonbinary content creator in the personal finance space, sign up here to participate by February 29.

You are free to create content across whatever your most frequented medium is, whether that be via your blog, IG account, YouTube channel, etc.

By signing up above, we’ll be able to feature your content the day of.

When sharing, please use #PersonalFinancebyWomen!

What if I missed the deadline?

We still love you and want you to participate! We might not be able to feature you the day of if you join at the last minute, but we’re excited to check out and potentially share your contributions!

Help us find your content on March 8th by using the hashtag #PersonalFinancebyWomen across social media.

What if I don’t qualify?

Men — nothing’s stopping you from creating content around International Women’s Day.

I would encourage you, though, to take this holiday to share female and nonbinary individuals’ perspectives on the issue — especially if you’re going to be sharing on the Personal Finance BY Women hashtag.

If you need help locating content, you can come back and check out our blog the day of — we’ll have plenty for you to read and share! Thank you for your support!

Feature on Apex Money

Dark-haired woman in a striped pink and white shirt smiles at the camera.

Today as one of our first initiatives, Personal Finance by Women is picking the top six personal finance reads around the web over at Apex Money.

Apex Money, run by allies Jim Wang and JD Roth, features the best PF content on a daily basis–weeding through all the content that’s out there today to find you primo reads. Thank you to Jim and JD for hosting us today!

Who is the guest curator repping Personal Finance by Women? That would be none other than our very own Kristin Wong! Kristin is a personal finance freelance writer, author, and award-winning journalist. We couldn’t be more honored to have her represent us and are so into her picks!

Check them out to learn about money and the intersection of race, sexual assault, workplace discrimination, the touchy-feely side of money and so much more.

Around the Corner

I’m excited to announce that Personal Finance by Women has another project coming around the corner! Can’t wait to let everyone in on the news early next week! Be sure to subscribe to the newsletter if you’d like a notice in your inbox as soon as the news breaks.

We’ve got more than these two current initiatives going on. While we work behind the scenes to bring you what’s next, feel free to reach out if you want to work with or support the network via a collaboration.

What can I do to help?

Many people have come to me asking what they could do to help as individual publishers or influencers, and at the current moment, it’s just that:

Spreading the word.

On social. On your blog. In your mastermind group. The more we can share the more we can do, and together with you, we’re planning on doing some pretty amazing things.

Thank you once again to Kristin, Jim and JD for their work on Apex Money today!

Brynne Conroy is a freelance writer, author and award-winning blogger, in the personal finance space. Her work has a marked focus on women’s issues and intersectional oppression as it relates to the personal economies of Americans.

She loves baseball, linguistics and cultural studies. If you can’t find her behind a keyboard or calculator, she’s probably busy momming.

5 Ways to Eliminate the Effects of the Gender Wage Gap in Your Life

When it comes to women and money, data suggests that women are farther behind on their money journey than their male counterparts when it comes to aspects like income, net worth and even retirement readiness. One of the root causes of this disparity is the gender wage gap.

According to Payscale, a career advice site, women still earn only 79 cents for every dollar their male counterparts make. They also report that there is an opportunity gap — meaning there are also structural barriers keeping women from advancing in the workplace.

Though there will need to be a major systemic overhaul to level the playing field for women in the workplace in regards to compensation, there’s a way that women can take the matter into their own hands. Here are some ways to minimize or even eliminate the effects of the gender wage gap in your life.

Ask for a raise

Don’t forgo money that could be due to you. Ask for a raise — especially if you deserve it! Asking for a raise is probably the lowest hanging fruit to reach for when it comes to increasing your income.

A survey by Payscale revealed that only 43% of survey respondents asked for a raise. That means that potentially 57% of employees are leaving money on the table. Don’t let that be you!

When the extra money comes in, make sure you don’t increase your lifestyle. Plan to save and invest that money so that your money can work on your behalf to reduce the effects of the gender wage gap.

Start a Side Hustle

If you can’t squeeze any more income out of your current employer, it might be time to take matters into your own hands. Starting a side hustle could mean extra money that can go towards paying down debt, saving or investing — things that can all ultimately reduce or totally eliminate the effect of the gender wage gap in almost any woman’s life!

Begin investing ASAP

With investing, time equals money, so the earlier you start, the better. Instead of putting your fate totally into the hands of your employer or annual income, let your saved money do the heavy lifting.

The beauty of compound interest is that it works while you are eating, sleeping, working or even having fun. Your money can multiply over time but the key is that you have to invest it in assets that appreciate. Stocks, bonds, mutual funds, real estate, and even businesses all qualify as investments that can grow over time and bring in passive income.

Reduce your expenses

A penny saved is a penny earned, right? Look at your discretionary spending and find things you can either reduce or eliminate.

You might explore house hacking, couponing or even working out at home instead of going to the gym. There are many creative ways to save money and reduce your expenses. The more you can cut back on your spending, the more you can save or invest.

Network and help other women

People say that women can be catty and competitive in the workplace. Instead of falling into that stereotype, make an attempt to network with your peers and colleagues. Some of the best opportunities come from people you know — new jobs, contract work, and even business relationships can blossom from networking.

Opportunities can mean more money which can mean more savings and investing. This could lead to the total elimination of the effects of the gender wage in your life. So network away!

Bottom line

Sure, some systemic, structural changes may be in the works and they could very well be the start of a real solution to the gender wage gap. However, while you’re waiting for that to come down the pipeline, do what you can so that you’ve got a head start on your personal journey to earning, saving and investing more. At the end of the day, you might have to take matters into your own hands when it comes to eliminating the effects of the gender wage gap in your life.

Aja McClanahan is a writer that covers personal finance and entrepreneurship. She blogs regularly at and works as a freelance writer. Aja has written for numerous web outlets including CreditKarma,, LendingTree, Discover Bank and more.

Let’s Talk About the Literal Seat at the Table

The last two years I found myself in an interesting position.

I had a seat at the table.

And for most of those two years, I was the only woman with a seat at the table.

I was initially fairly baffled at how I wound up in this position. I was hired as the Performance Director for a recently bought, previously bankrupt company in entertainment and, as I saw it, my job was mostly – make sure the show happens.

Make sure the artists show up and have what they need. Make sure the technicians show up and have what they need. Make sure any changes and last minute decisions during the show are made and executed as needed. Make schedules. Fill out forms. Stick to budgets. Sometimes develop budgets.

Somehow, along the way, the Chairman of the company and I found we got on quite well. And when he started talking with me about the actual business of the company, I was interested and engaged, and frankly shocked when he listened to my occasional opinions on the state of things.

After a few months, I was suddenly invited to all of the big decision making meetings. It wasn’t crazy as I was arguably one of, if not the, highest positions in our Artistic department (until we hired a Creative Director later in the year,) but I sat in on some absolutely insane meetings.

And when we had to hire a new CEO, I was one of the people whose opinion was listened to.

I vividly remember sitting around that table with a bunch of men in their forties, fifties and sixties thinking, “What the actual eff am I doing in this room?”

Here’s the nice thing about a stage management background though – if you’re successful in this field, you know a little about how to fake it until you make it. How to always remain calm even if you currently feel like that cartoon with the funny dog sitting in the room on fire saying, “This is fine.”

I’ve read a lot about how men approach job searches and their business relationships. I pretty much just decided to pretend to be some entitled dude and get on with things.

While I was at the table, I watched these men. And I read the brilliant and sometimes irritating book Nice Girls Don’t Get the Corner Office and I was amazed over the dumb things we do that shoot ourselves in the foot in the workplace. And I was pissed off that these are actions that shoot us in the foot in the workplace, because they shouldn’t be. But they are and I watched them in action.

Here are the biggest things I learned:

No one will just give you a seat at the table. And you can’t really even ask for a seat at the table. You take it. And you don’t apologize.

Now, don’t be some entry level temp trying to sit in on upper management meetings, but here’s a very literal interpretation:

When I enter a meeting, a large part of me wants to make sure everyone has a seat. Are there enough chairs? Do we need anything?

As the Performance Director, that wasn’t my job. There were office assistants who worked at our company. Despite this, we were regularly short chairs at meetings. Now, knowing this, I could perch on a desk corner or stand against the wall.

Or I could walk in there like a department head and sit my butt in a chair – just like every single man in the company does, and let me tell you, the majority of them are not thinking about chairs for anyone else at that moment.

If you walked into a crowded meeting at our company with a slightly larger group – do you want to know who 90% of the people perched on desks and around the walls were? It was the women.

You start each meeting from a position of less authority by positioning yourself in one of those spots and you have to exert more effort to get attention and be heard  during a meeting from there.

So take the actual, literal seat next time. Sit right next to your boss who is one step higher than you. Be prepared, speak up, and show the younger women in the room how it’s done.

Mel blogs at brokeGIRLrich where she chronicles her journey to avoid becoming a starving artist. She works as a touring stage manager most of the year and is studying accounting in her free time. Mel has very strong opinions about side hustles, candles, and roadside attractions.

Why is Personal Finance by Women so important?

Words are important. I know this both as a student of various languages and as a writer who manipulates such words for a living.

So one day when I saw a hashtag called #personalfinanceFORwomen trending, my mind turned to language and what its use can imply.

It took me back to a time a few years ago when, at a conference attended by an audience that leaned slightly more female, a man stood up on stage and gave a presentation on how us lady-folks could make our money better. We were supposed to buy his book.

It was laden with good intentions, but felt derogatory. It missed the point while at the same time pursuing it.

Building Our Own Future

It’s time for things to change. It’s time for us to listen to women’s voices when they speak about managing, earning and saving their money. It’s time to listen to their lived experiences and to acknowledge our own struggles.

It’s time to put personal finance FOR women behind us.

It’s time to embrace, promote and consume personal finance BY women instead.

When personal finance content for women is created by women, it doesn’t miss the point. It typically doesn’t come off as misogynistic, and provides real-life workarounds to the very real challenges we face on a daily basis. It acknowledges that our experiences are different, and is stronger for that fact.

On Personal Finance by Women, you’ll find personal finance content created by female-identifying writers and influencers. You’ll find intersectional perspectives and service projects that speak to real, on-the-ground needs. You’ll find female sources for your stories and a network of women and allies ready to uplift each other.

Personal finance for women is great.

But Personal Finance by Women is better.

Join us today.

Brynne Conroy is an award-winning blogger, freelance writer and author in the personal finance space. Her work has a marked focus on women’s issues and intersectional oppression as it relates to the personal economies of Americans.

She loves baseball, linguistics and cultural studies. If you can’t find her behind a keyboard or calculator, she’s probably busy momming.