Jan. 23, 2025
Acknowledging Big Changes-Transforming Financial Perspectives
Have an unforgettable discussion regarding issues that affect every woman - maybe not now, but someday! Excerpts from chapter 1 of Bonita's new book, "Money, Mindset & the Suddenly Single-the Ultimate Guide for Divorcees &...
Have an unforgettable discussion regarding issues that affect every woman - maybe not now, but someday! Excerpts from chapter 1 of Bonita's new book, "Money, Mindset & the Suddenly Single-the Ultimate Guide for Divorcees & Widows"-acknowledging the profound impact these big life changes (like divorce or losing a spouse) have. Shape your financial destiny. May this be a ray of hope & a source of strength. Simple steps you can take to help your financial situation.
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The topics and opinions expressed in the following show are
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solely those of the hosts and their guests and not
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be directed to those show hosts. Thank you for choosing
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Welcome to to Ask Good Questions Podcasts, broadcasting live every Wednesday,
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six pm Eastern Time on W four CY Radio at
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w fourcy dot com. This week and every week, we
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will reach for a higher purpose in money and life,
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as well as a focus on health and wellness. Now,
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let's join your hosts, Banita Bell Anderson as together we
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start with Asking Good Questions.
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Hey, Hello, thank you for joining us.
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This is your host Benita Bell Anderson, and we are
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here again with the Ask Good Questions podcast. So today
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I'm going to get my slides going. We are going
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to oops, I have one head. We're gonna be talking
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about something that I'm calling acknowledging big changes transforming financial perspectives.
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This is actually ideas out of the first chapter of
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my book Money Mindset and the Suddenly Single. You can
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find where to get that on Amazon on the Ask
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Good Questions podcast dot com website where there is a
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bonus downloads link and there is all the downloads that
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you will be able to find for all the different episodes.
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So anyway, today we're gonna talk about some things that
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really have to do with divorces and people that are
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going through a loss of a spouse. I really want
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to kind of start off today with what the state
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of women is in the retirement world today and kind
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of what that looks like, what some of the numbers are.
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I want to talk about, you know, kind of looking
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over a cliff when you have a big life change happening,
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the emotional roller coaster that might be happening, goals dealing
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with emotional things that are happening to you, and final
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tips things to do to help you and your financial situation.
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So let's look at what most women are experiencing. At
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least this is the data. So I want to tell you,
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you know, this is kind of an overall broad sweep
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of what women experience in the United States today. Basically,
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what we're talking about is financial success for women, and
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it's a goal for many, but women face unique barriers
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that can make that goal really more difficult to achieve.
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Understanding today's financial landscape can help women rise to the challenge,
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know their worth, and take control of their futures.
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So the crazy thing is that.
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With this study, women make eighty three point seven cents
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for every dollar that their male counterparts make in the
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same type of job. This translates into a lot of
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different things, but it's just you know, it's getting better,
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and it's getting better, but these are just some of
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the realities that happen. So the average SO security benefit
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for a woman is typically smaller than it is for
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a man. Like the reason I wrote this book was
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partly because I went through a great, big, huge divorce
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that I never expected to have happen, and that was
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twenty five years ago now, But I had been having babies.
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I was a stay at home mom. Loved being a
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stay at home mom. But that means my sobsecurity check
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now is smaller than would have been if I had
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been working all the time and not having babies.
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For women.
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That means the average is about eighteen thousand and five
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h six and for men the average is about twenty
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three three sixty four. So there's also some sobering data
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about the number of women in their fifties who may
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be forced to lower their standard living after retirement. I
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have actually seen this with some of my female clients
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who are older women, single older women, single women.
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The number of women in.
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Their fifties who may be forced to lower their standard
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of living in single women that is about forty percent.
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Single income households is about thirty two percent, and two
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income households is about forty six percent, So that's almost half.
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That's a little scary.
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If that doesn't help you motivate you to get going
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on your saving for retirement, I don't know what will.
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But here's the really interesting thing. Women control it. Well
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there's one. There's another thing that I'm going to show
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you a little bit later. That said all like eleven
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point three, but this study showed that women control ten
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trillion dollars in US financial assets. But that is going
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we're five years.
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From now, that figure is expected to rise to thirty
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trillion dollars.
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Part of that is because women are becoming more and
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more successful in the marketplace, as well as women living
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longer than men and ending up with the assets.
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So here's another some more data.
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There's something called a C suite, you know, like the
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corporate suite or the companies that have vice presidents and
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such like that. Forty four percent of companies have three
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or more women in their C suite. That's up from
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twenty nine percent in twenty fifteen, so ten years ago
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it was much smaller, so you can see things are changing.
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Sixty seven percent of women are investing outside of their
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retirement accounts, and that is up from forty four percent
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in twenty eighteen. So in a lot of cases, these
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numbers just keep getting better and better. The interesting thing
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about women and finances is two hundred and fifty two
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million entrepreneurs out of four hundred and eighty two million
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in the world, are female. Seventeen percent of those are
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black women that are currently or have already started a
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new business. And women own business employ over nine million
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workers and generate over fifty two trillion. Wow, So women
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own businesses is a big deal. So many women report
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having strong relationships with their financial advisor. I can tell
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you that as a financial advisor. What has been expressed
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to me a lot of times by older single women
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is that they want somebody to trust. So, in fact,
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seventy percent of women say that they would prefer or
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they would refer their financial professional to a brand or
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a relative. Whatever your financial needs are, we are here
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to support you, whether you come to us to get
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some questions answered, or we support you in finding the
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health you deserve. We want to help.
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Let's play the video.
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The idea of a confidence gap among women has gained
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notice in recent years, and in the world of finance,
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the effects of this gap can be especially apparent. Even
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though women have no more reason to lack confidence than
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men do. Only about twenty percent of women say they
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feel fully prepared to make wise financial decisions, and last year,
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as few as nine percent of women believed their investments
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could outperform those made by men. But here's the truth.
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Ladies have fantastic financial instincts. Studies show that female investors
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thrive and often outperform their male counterparts. Women have proven
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they have the patience, discipline, and long term commitment it
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takes to persist through the ups and downs of the markets.
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In the United States, women currently control over eleven point
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two trillion dollars in investible assets. That's a lot to
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feel confident about the power to drive more money into
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the market while shaping a better future for themselves and
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their loved ones. We want to make sure everyone feels
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equipped to climb their personal mountain. You can be sure
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we'll be here to support you every step of the way.
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All right, moving on, Well, let's get into the nitty
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gritty about this. The moment that your life shifts due
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to a divorce or losing a spouse, it marks the
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beginning of.
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A whole new chapter. It really does.
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In might feel like you're suddenly navigating uncharted waters, or
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maybe skiing down a mountain completely out of control, facing
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both freedom and the weight of new responsibilities.
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This chapter in my book.
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Is about acknowledging the profound impact that these changes have
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on your life. I've been through this, I know what
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I'm talking about. And it's also the impact on your family.
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I've seen that, and more importantly, recognizing the opportunity for
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growth and empowerment amidst those challenges. Life's unexpected urns can
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leave you feeling like you're standing at the edge of
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a cliff looking into the unknown. Whether it's the end
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of a marriage or the loss of a partner, that
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initial shock can be overwhelming. But amidst the turmoil, there's
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a silver lining, a chance to rebuild and redefine your
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life on your terms. This chapter in my book is
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your guide to embracing this new beginning, armed with knowledge
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and strategies to help you navigate the challenges ahead. So
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the first step in moving forward is acknowledging that change.
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It's okay to feel a mix of emotions, grief and
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relief and fear and hope. These feelings are all part
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of that process. But as you stand at this crossroads,
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remember you're not alone. Many have walked this path before you.
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You know that, and many have found ways to thrive
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in the face of adversity. So this chapter in my
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book is what I'm trying to do, is help you
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understand the impact of your new reality and how to
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turn it into a foundation for growth. So a lot
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of times they can feel like an emotional roller coaster.
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It's natural to experience a wide range of emotions. We're
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going to explore how to navigate these feelings and offer
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strategies to find stability and peace. There is a financial
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reassessment that suddenly managing finances alone can really be daunting.
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So we'll cover practical steps to take control of your
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financial health, ensuring that you're prepared for the future. And
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then we really need to have a support team. Rebuilding
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your support network is crucial. I found that sometimes it
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just is requiring a different set of friends.
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Learn how to foster.
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Connections that will help you through this transition and beyond.
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As you begin to navigate this new reality, it's essential
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to move forward and try to find some purpose in it.
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That means setting goals for yourself, both personally and financially,
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and taking concrete.
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Steps to achieve them. Right does that make sense?
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So setting new goals really kind of means reinventing your life.
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What do you want your life to look like?
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Now, we're going to discuss how to set realistic, achievable
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goals that reflect your values and your aspirations. You really
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need to embrace independence. It's not going to happen overnight.
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I know, I remember just feeling completely broken. You have
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to somehow you will get to where you discover the
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power of independence and learning how to enjoy your own
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company and make decisions that benefit you. One thing that
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we're going to we're actually going to talk about stress
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on a whole other episode. But managing stress for physical
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health is basically recognizing the physical symptoms of stress, and
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that is really a first step towards addressing them.
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Here's a more detailed.
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Look at strategies for managing stress and your physical effects
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on your body. So establishing a routine. Creating a structured
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daily routine can provide a sense of normalcy and control. Hey,
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regular meal times, physical activity, and a consistent sleep schedule
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can help regulate your body's stress response.
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Go to bed at the same.
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Time every night, get up at the same time every day,
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starting on your day with gratitude journaling and possibly using
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positive affirmations. One thing I've used is a app called Calm.
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There's other ones out there's probably even more than has
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ever been, but the Calm app for me is great
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for giving me something structured to listen to as I'm
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getting into bed and also as I get up in
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the morning. Incorporating exercise, you cannot abuse your body. You
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have got to keep with the program and engage in
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regular physical activity because that releases endorphins and that's the
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body's natural painkillers and mood elevators. Really, exercise also helps
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regulate sleep patterns and reduces the risk of chronic health
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conditions that are exacerbated by stress. I can't stress this enough.
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Join a program that will give you accountability to show
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up and to consistently get this done for yourself. I
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have used a lot of YouTube workout videos, gone to
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gyms and classes, including a personal trainer who has an
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online workout routine that you join on zoom. There could
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be fifteen to thirty people doing this at six am
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on most mornings of the week, So just do something.
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There's a lot out there to support you. And then
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maintaining a balanced diet. Choose a diet rich in fruits
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and vegetables and lean proteins and whole grains. You can
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go out and find lots about whole food plant based diets.
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Avoid excessive caffeine and sugar, which can contribute to anxiety
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and energy crashes. There are a lot of podcasts out there,
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lots of information to help you with nutrition and healthy
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living information. Some of my favorites are doctor Neil Barnard,
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doctor Steven Gundry, doctor Mark Hyman, doctor Joel Furman, and
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I've recently also, you know, I've used energy Bits, which
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is allergy based supplements with that company called energy Bits.
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There's a plethora of information that will help you with that.
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So start dealing with emotions, which which can be such
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a big deal when you're in the aftermath of a
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