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Women & Money. Annie’s Project October 5, 2006 Rusk County. Money Management. Obtaining. Protecting. Using. Why is it different for Women?. Women earn less than men Women are less prepared for retirement Women live longer than men Women are more conservative investors

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women money

Women & Money

Annie’s Project

October 5, 2006

Rusk County

money management
Money Management

Obtaining

Protecting

Using

why is it different for women
Why is it different for Women?
  • Women earn less than men
  • Women are less prepared for retirement
  • Women live longer than men
  • Women are more conservative investors
  • Women are more financially intimidated

Source: Journal of Financial Planning, Sept. 2000.

women cents study 1995 1100 women
Women Cents Study, 1995, 1100 women
  • How a woman feels about $, more than anything, dictates success
  • Individual personality plays a critical role
  • Adventurous spirit
  • Fear of the unknown
attitudes of wise planners
Attitudes of Wise Planners
  • 88% profess to be open to new investment opportunities
  • 80% characterize themselves as optimistic
  • 58% believe they have enough control over the direction of their lives
thoughts on risk
Thoughts on Risk
  • Risk-taking is a tolerance of uncertainty
  • Women are raised for responsibility, not risk.
  • Risk tolerance – Personality!
  • $ amount for investing
why women are prepared to succeed
Why Women Are Prepared to succeed
  • more analytical & willing to say no
  • use “networks”
  • Ask questions
  • Juggle multiple roles
  • Willing to track spending
  • Identify and articulate Goals
women s role in ag
Women’s Role in Ag
  • New Census of Agriculture statistics notes that ¼ of all farm operators in U.S are women (2002)
  • That is 13.4% increase over 1997
  • WI Data:
    • principal operator: 7,353
    • More than 1 operator: 33,109
women s role in ag1
Women’s Role in Ag
  • Farm woman’s worth? = $27,500
    • 68 hrs/wk of unpaid domestic labor
    • 22 hrs/wk farm chores
    • 5 hrs/wk of volunteer work
  • Women w/ off-farm work
    • averaged 30 hours contributed to farm/household
    • Health insurance benefits
  • Same study says men are worth $23,700

(1994 Wayne State University study)

wi farm women s roles
WI farm women’s roles?
  • Farm bookkeeping and bill paying
  • Farm errands and vegetable gardening
  • More likely to work with livestock than do field work
  • Tasks requiring manual labor rather than those with machinery.
  • 63% contributed 40 or more hours of on- farm work per week.

The Roles of Women on Wisconsin Dairy Farms at the Turn of the 21st Century No. 16, November, 2001

your relationship with money
Your Relationship with Money
  • Money Coat of Arms Exercise
  • Emotional Uses of Money Exercise
  • How Organized are you? Exercise
getting organized
Getting Organized
  • Do you know where your……
    • Property deeds
    • Insurance papers
      • Health
      • Home/Farm
      • Life
      • Vehicle
    • Loan Papers
    • Wills, trust

………………..Are?

your assignment
Your Assignment
  • Organize Your Loans
    • Farm Business
    • Personal
  • Organize Your insurances
    • Life
    • Crop
    • Disability
    • Health
    • Farm/Home
    • Auto