Women do not make enough money to save comfortably; if you can only save $10 a paychek without starving[ you are not inclined to save; and to spend any bonus cash on junk as a relief from the otherwise unremitting deprivation.

Women are conditioned by the culture to spend, spend, spend; fashion is the number one oppressor of women: women are conditioned to look good, have the latest fashions, perfume, and jewelry; and all of this takes lots of cash that could otherwise go into savings
Women’s clothes are much more expensive than men’s

As caretakers, women must spend on children, relatives, pets, friends, their own health care, etc.

Women did not get financial advice from their parents because they probably thought it would be a waste of time

It has very little to do with waiting for prince charming; as many women have resigned themselves to the single life dispite the struggle

Until women overcome the oppression and negative conditioning of a highly misogynistic and materialistic culture aimed largely at women; women will remain enslaved; its that simple; women must create independent identities for themselves based on practicality and sensibility to make the most of what they have. copyright Merl Elton