Financial literacy is not just about dollars and cents — it’s about confidence, security, and freedom.
Women who understand how money works are better equipped to make empowered decisions in every part of their lives — from their careers and relationships to retirement and legacy planning.
Yet, too often, women are left out of the financial conversation. It’s time we changed that.
At Your Future Strategy, we’ve seen firsthand how transformative financial literacy can be for women of all ages. Whether it’s a young woman starting her first job, a mother returning to the workforce, or someone navigating divorce or retirement, understanding money builds resilience. It allows women to plan for the life they want — not just the life they think they can afford.
The gender gap is real — and costly
Despite enormous social progress, many women still earn less than their male counterparts, take time out of the workforce for caring responsibilities, and live longer — all of which impact their ability to accumulate wealth over time. Add to this a lack of targeted financial education, and it’s no surprise that women are more likely to retire with significantly less superannuation than men (the current superannuation gap for women in Australia is around 25%).
Financial literacy doesn’t solve every structural issue, but it is a powerful equaliser. It gives women a seat at the table — and the ability to walk away when needed. It means knowing how to read a payslip, create a budget, invest with purpose, and set boundaries around money. These are not just technical skills; they’re life skills.
Confidence starts with clarity
We often hear from women that they don’t feel confident with money. But in almost every case, the problem isn’t ability — it’s access. Too many women grow up being told that money is complicated, or that someone else will take care of it. This learned behaviour is what holds them back.
The good news? Confidence is teachable. With the right guidance and support, anyone can learn to take control of their finances. We’ve seen women go from feeling overwhelmed to feeling empowered — often after just a few honest conversations and some practical tools.
The ripple effect of financial independence
When a woman becomes financially literate, the impact doesn’t stop with her. It extends to her children, her community, and even the economy. She becomes a role model, a mentor, and often a catalyst for generational change.
Financial independence gives women options. It means they can leave unsafe relationships, start businesses, take career risks, and live on their terms. That’s the power of education — and why we must make it accessible to every woman.
At Your Future Strategy, we believe that every woman deserves the opportunity to understand and own her financial future. Because when women thrive, everyone benefits.
About Your Future Strategy
Your Future Strategy is a multi-disciplinary financial services firm with experts across the financial landscape, including qualified professionals in financial planning, strategic accounting, lending, investments, estate planning and superannuation.
As financial strategists, they help create a well-designed pathway for people to tick off financial goals to give them choice in their future, whether that’s saving for children’s schooling and university, building a significant property portfolio, creating and protecting their legacy, or retiring early.
The current global economic outlook is marked by uncertainty. With escalating trade tensions, financial market volatility, inconsistent policy responses, and…
The following article was taken from Money and Finance Magazine, published on Tuesday, 30th July. Read the article in full below: https://www.moneyandfinancemagazine.com/gareth-croy-on-empowering-women-through-financial-literacy/
Financial literacy is not just about dollars and cents — it’s about confidence, security, and freedom.
Women who understand how money works are better equipped to make empowered decisions in every part of their lives — from their careers and relationships to retirement and legacy planning.
Yet, too often, women are left out of the financial conversation. It’s time we changed that.
At Your Future Strategy, we’ve seen firsthand how transformative financial literacy can be for women of all ages. Whether it’s a young woman starting her first job, a mother returning to the workforce, or someone navigating divorce or retirement, understanding money builds resilience. It allows women to plan for the life they want — not just the life they think they can afford.
The gender gap is real — and costly
Despite enormous social progress, many women still earn less than their male counterparts, take time out of the workforce for caring responsibilities, and live longer — all of which impact their ability to accumulate wealth over time. Add to this a lack of targeted financial education, and it’s no surprise that women are more likely to retire with significantly less superannuation than men (the current superannuation gap for women in Australia is around 25%).
Financial literacy doesn’t solve every structural issue, but it is a powerful equaliser. It gives women a seat at the table — and the ability to walk away when needed. It means knowing how to read a payslip, create a budget, invest with purpose, and set boundaries around money. These are not just technical skills; they’re life skills.
Confidence starts with clarity
We often hear from women that they don’t feel confident with money. But in almost every case, the problem isn’t ability — it’s access. Too many women grow up being told that money is complicated, or that someone else will take care of it. This learned behaviour is what holds them back.
The good news? Confidence is teachable. With the right guidance and support, anyone can learn to take control of their finances. We’ve seen women go from feeling overwhelmed to feeling empowered — often after just a few honest conversations and some practical tools.
The ripple effect of financial independence
When a woman becomes financially literate, the impact doesn’t stop with her. It extends to her children, her community, and even the economy. She becomes a role model, a mentor, and often a catalyst for generational change.
Financial independence gives women options. It means they can leave unsafe relationships, start businesses, take career risks, and live on their terms. That’s the power of education — and why we must make it accessible to every woman.
At Your Future Strategy, we believe that every woman deserves the opportunity to understand and own her financial future. Because when women thrive, everyone benefits.
About Your Future Strategy
Your Future Strategy is a multi-disciplinary financial services firm with experts across the financial landscape, including qualified professionals in financial planning, strategic accounting, lending, investments, estate planning and superannuation.
As financial strategists, they help create a well-designed pathway for people to tick off financial goals to give them choice in their future, whether that’s saving for children’s schooling and university, building a significant property portfolio, creating and protecting their legacy, or retiring early.