Financial empowerment isn’t about having it all figured out. It is about taking small, consistent steps to protect yourself and your future. While there has been a lot of progress over the years, women are still not talking about finances as much as men are. The more we talk about finances, whether it be on public platforms or in private amongst friends and family, the more we can feel empowered to make financial decisions.
As a woman, business owner, and mom of twins, I’ve seen firsthand how important it is to be financially secure, especially when life throws curveballs.
Here are five finance tips I wish every woman knew:
1. Get critical illness and disability insurance (especially if you are self-employed).
You are your biggest asset. If you couldn’t work for six months, how would your bills get paid? I’ve had too many friends diagnosed with cancer or chronic illnesses, and the financial stress only made their recovery harder. Insurance isn’t just a “nice-to-have,” it is a form of self-care. If you’re self-employed or your workplace coverage is limited, prioritize this. I tell all my friends: protecting your ability to earn an income is step one.
2. Do not worry if you have not started investing yet, just start.
Many women feel like they’re “behind” financially. But the truth is, the best day to start is today. Whether it is $20 or $200, consistency matters more than perfection. Open a TFSA, RRSP, or use an app that rounds up your purchases—it all adds up over time.
3. Avoid the overly strict budget trap.
Just like with dieting, extreme restrictions often backfire. You do not have to cut out lattes or fun nights out. The key is balance. Create a budget that’s realistic, not punishing.Prioritize saving, but also give yourself room to enjoy your life guilt-free.
4. Find a money voice you trust.
There’s so much financial advice out there, it can feel overwhelming. My tip? Pick one person or platform you connect with and follow them consistently. For me, that’s been Nicole Lapin. I’ve read all her books, follow her on social, and take her tips seriously. It’s helped me stay focused and avoid analysis paralysis.
5. Know that financial literacy is power.
You don’t need a finance degree to take control of your money. You just need to start
learning. Whether it’s through books, podcasts, or your bank’s online tools, every bit of
knowledge builds confidence and protection. Because protecting your finances is ultimately about protecting you. And you’re worth that, and more.
Jane Stoller aka Organized Jane is a keynote speaker and the author of Organize Your Business like a Boss.
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