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Women may need to plan differently. Outline your goals and find an account that makes sense for you.

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Women may need to plan, save, and invest differently. Here's why.

It's no secret that there are various factors that can affect women's finances more than others. Take a look at the numbers.

Women tend to live 5 years longer than men1

Regardless of longevity, women pay 18% more than men in annual out-of-pocket health care expenses, excluding maternity costs.2

3 out of 5 caregivers are women.3

Whether caring for a child, a parent, or someone else, women face a potential loss of $295K+ due to time out of work for unpaid caregiving.4

Women earn $0.81 for every dollar a man makes.5

Ultimately because of the gender pay gap and other factors, women often retire with $70K less saved than men.6

Saving vs. Investing—How to choose

While both are important elements in your overall financial plan, knowing when to do each can help your money work harder for you and potentially grow more over the long term.

Consider saving if:

  • Your goal is less than 3 years away
  • You need an emergency fund (3–6 months' worth of essential expenses)
  • You want quick access to your money if you need it in a pinch

Have a savings goal?


Find the right account

Consider investing if:

  • Your goal is more than 3 years away
  • You've paid off most or all of your high-interest debt (anything over 6%) like credit cards
  • You want to stay ahead of inflation, potentially save on taxes, and build a nest egg

Have an investment goal?


Find the right account

What's the point of investing?

To help grow your wealth: Investing has the potential to generate passive income (like a side hustle) so you can potentially have more control over your financial future.


To help beat inflation: Investing gives your money a chance to grow at a faster rate than inflation so your cash doesn't lose value over time. For example, due to inflation something that cost $5 in 1980, cost $10 in 2000, and now costs $20 in 2026, meaning the purchasing power of the dollar has decreased over time.7


To take advantage of compounding: This is when the money you earn on your initial investment starts earning money as well. The longer you stay invested, the more effective compounding can be. Take a look at the chart example for a quick visual.


Get started investing

The potential power of compounding

A single investment of $6,000 could potentially grow to as much as $90,000 after 40 years, depending on market conditions, thanks to the power of compounding growth. But remember, investing carries the risk of loss: compounding growth does not protect against loss in declining markets.


This hypothetical example assumes the following: (1) an initial $6,000 contribution and no additional contributions; (2) an annual rate of return of 7% that accrues as compound returns. The ending values do not reflect taxes, fees, inflation, or withdrawals. If they did, amounts would be lower. This example is for illustrative purposes only and does not represent the performance of any security. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for 7% annual rate of return also come with risk of loss.


Help your money grow and work harder

Use this tool to browse different account types and the benefits of each based on your goals and what you're saving for.


Choose your money goal

Join the Women Talk Money community

Women Talk Money is a community for candid, real-life conversations around money, careers, and more. We recognize that women may often need to plan, save, and invest differently, which is why we're here—to help you get answers to your top money questions, access step-by-step guidance, and be ready for what's next.


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Sometimes a conversation is what you need to get started (or keep going). Talk to a financial professional (for free) to help you plan for the things that can affect women's finances—from living longer to higher health care costs. We got you.


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