Jan. 16, 2025
Women, Money & Power –take control of your financial future!
Women, Money & Power! Identify your financial personality– be able to understand your personal approach to planning for your financial future. There are different issues & concerns like life events, balancing the needs of elderly parents &...
Women, Money & Power! Identify your financial personality– be able to understand your personal approach to planning for your financial future. There are different issues & concerns like life events, balancing the needs of elderly parents & children. Excerpts from my just-released book, “Money, Mindset and the Suddenly Single” in which we explore some options on how you can proceed if you go through a divorce, or your spouse dies – the woman is now alone, and needs to forge ahead on her own.
Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask Good Questions is viewed on Talk 4 TV (www.talk4tv.com).
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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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those of W FOURCY Radio. It's employees are affiliates. We
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make no recommendations or endorsements for radio show programs, services,
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or products mentioned on air or on our web. No
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liability explicit or implies shall be extended to W FOURCY
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Radio or it's employees are affiliates. Any questions or comments
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should be directed to those show hosts. Thank you for
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choosing W FOURCY Radio.
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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 host, Anita bell Anderson, as together we
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start with Asking Good Questions.
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Welcome to the Ask Good Questions podcast. Thank you so
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much for joining us today for women, money and power
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taking control of your financial future. And my name is
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Benita bell Anderson. I'm your podcast host and a financial advisor.
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Let's go to the slides I have. Okay, today is
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all about taking control of financial future of women. Got
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some interesting things to share with you today and there
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will be a download for you. Go to the Ask
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Good Questions podcast dot com website. There's a link for
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bonus downloads. There you will find a financial questionnaire that
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applies to this website and applies to this podcast. All right,
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so a little bit for those that don't know me,
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I am a licensed financial advisor fiduciary. I've been an
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investor coach and I have actually been in this industry
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for twenty five years. I'm an independent SEC licensed registered
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investment advisor. I do have a book that has just
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recently come out called Money Mindset and the Suddenly Single,
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The Ultimate Guide for Divorcees and Widows. At the end
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of the podcast will be information about where you can
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go find that book. Now. I went through a life
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changing divorce and I also remarried and my husband lost
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his first wife to cancer. So this book is all
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about people that go through divorces and people that lose
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their spouse. We all, no matter what happens to you
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in life, we need to know how to rebuild our
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life after a life changing event. I have three grown
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daughters with their attendant space, elses and children. My husband
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has four grown sons with also spouses and children between
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them all, I have twenty three grandchildren. Who would have
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ever thought? So I enjoy doing this podcast. I'm tremendously
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enjoying having fun with this. I am a financial advisor,
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I am an author and coaching clients, so it's a
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busy life and I love it that way. We are
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going to go through some data from a study done
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by Alliance, which is an insurance company, and we're going
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to do basically identifying financial personality, how that behavior influences
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the decisions you make, and women's issues and concerns. But
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first we have a short minute and a half video
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to show you. So let's roll the video.
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Now, what do you want out of life? What's important
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to you? What kind of future do you want to build?
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You have so much to focus on in the here
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and now. It can be hard to think about tomorrow,
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but there's no question the choices you make in the
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here and now will shape the future, both for yourself
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and the ones you love. There's no doubt that women
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face unique financial challenges. On average, women tend to live
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longer than men, accumulate lower lifetime earnings and face higher
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healthcare costs. But your ideal financial strategy is based on
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knowing what you want out of life, what you want
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your future to be like, and what you can do
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right now to make that possible. Sometimes we need to
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take time to look after what matters, whether it's the
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family we have or the family we build. So if
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you know where you want to go, how do you
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get there? First, set clear goals for your future and
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share them with your financial professional. Continue to educate yourself
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on best practices for your investments, and review your financial
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strategy often. Most importantly, whatever your goals, remember that you
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are not alone. We are here beside you, celebrating everywhere.
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All right, So we are going to talk about all
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of those things that you see there on our agenda
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as well as at the end, we're going to talk
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about seven critical principles of sound money management that come
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from my book. All right, So let's identify your financial
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personality now. I really am hoping you know, if you're
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listening to this or watching this and you haven't downloaded
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the PDF, please do that at least you know sometime soon.
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But we will go through what that test says is
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basically what's your financial personality? Right, So it's going to
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identify kind of how you tick. It's you know, it'll
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help you understand your particular needs better. It'll help you
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understand a little bit more about your financial decision making process.
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You'll understand help you understand your approach to planning your
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financial future. And so again, find that pdf. It's a
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financial workshop questionnaire. Find it on the podcast website at
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ask Good Questions podcast dot com. And there's a link
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that says bonus downwards, all right, so you'll click on that.
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So if you don't have that right now, this may
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be a little bit hard to see if you're watching
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the video, but at least you'll get an idea of
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what this is, what's your why. Identifying your financial personality
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will allow you to better understand your particular needs, making
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your decision making processes and personal approach to planning your
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financial future so much smoother. This way, you can also
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be better understood by your investor coach. All right, So
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if you were going to use a scale and how
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much do you agree or disagree with the following statements? Okay,
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this will be kind of fun. You'll give yourself a
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point value for each one of these statements, and then
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you'll add up your points at the end. So strongly
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agree is five points, Somewhat agree is four.
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Points, Neutral neither here nor there three points, but disagree
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is two points, and strongly disagree is one point.
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All right, here's the questions. I feel I am confident
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when it comes to managing money and investing. Okay, give
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yourself a number there. Number two. I feel I have
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adequately planned for retirement, savings and security. Give yourself a
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point value. Number three. I feel I am educated when
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it comes to managing money and investing. Give your self
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a point value. Number four. I feel I have sufficient
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knowledge about money and investing, and I am very involved
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in the management of my long term savings and investments.
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How do you think give yourself a point value? Number five.
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I feel I am clear about my financial goals and
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my plans to achieve them. Okay. Number six, I feel
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I am highly responsible and take initiative when it comes
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to money and investing. What do you think? Give yourself
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a point value number Let's see one, two, three, four, five,
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sixty seven. It is very important to me that I
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always have a complete understanding of my household financial situation
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do you think give yourself a point value? And the
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last one is when in a relationship, I like to
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collaborate with my partner in financial decisions. So you're going
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to give yourself a point value for that one. You
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are then going to tuttle up all of your points
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and give yourself a score. This is a two part
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download that when you have this in front of you,
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you'll find that you've figured out what your personality is.
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Thirty five to forty points you are a financial initiator,
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twenty seven to thirty four points you are a financial analyzer.
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Now we are going to go through each of these.
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Twenty to twenty six points you are a financial collaborator,
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fourteen to nineteen points you're a financial void, and eight
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to thirteen points you are a financial dreamer. So this
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page does have descriptions of each one of these, but
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we are going to go through some slides so that
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you can kind of get a better idea of what
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each of these is really you know, delve into it.
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So if you've added up your points, how do you
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feel you did? Did you learn anything about yourself? Is
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it exciting? Are you depressed? Are you resolving to do better?
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Kind of the thought here for me is to help
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to encourage you to do something about this, not just
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listen to it, but actually do something about it. I
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want you to be more in tune with your behaviors
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as they relate to money and finances. I want you
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to position yourself to take the next steps for you
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and help you assume control of your financial future. I
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want you to realize that you are the best judge
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of the accuracy of any financial description that reflects your
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financial behavior. And so let's take a little closer look
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at what each of those descriptions means. So again, they
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were financial initiator, analyzer, collaborator, void, and dreamer. We're going
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to start at number five and go up the list.
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Which one describes you or maybe you feel like I'm
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a combination of a couple of them, right, So let's
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talk about that dreamer. I've met quite a few people
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that are kind of a voids and dreamers. They really
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this is a person that really doesn't have a confident
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history with money. They maybe have never had the opportunity
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or responsibility of taking care of their own money, and
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they feel intimidated when thinking about managing their own finances.
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They really lack experience and knowledge, and especially this is
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really can be a problem if you're suddenly divorced or
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if you've suddenly lost a spouse who did it all.
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Sometimes people will feel hopeless and hope somebody else will
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do it. A lot of times people will defer all
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financial matters to a partner. So in that study I
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reference to eight percent of women typically identify with this type.
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They're comfortable with somebody else doing it. Please please, please,
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It's a stereotypical approach in the past. It's really this
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is something that's really before the time that women really
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started gaining the right to earn their own money, and
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women started realizing that they needed to know more about
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how to control their own money. Right, So does this
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describe you? If it does, well, we've got some work
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to do. Huh. Number four is the financial avoid I
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call her the uncertain searcher. She is concerned about her
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future and her current finances, but she doesn't feel confident
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enough to make good decisions to resolve her financial problems,
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and she's overwhelmed by all the choices out there. So
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eleven percent of women say that they fall into this category.
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They're confused about money. There's too many complex financial choices.
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They're worried about their situation, but they avoid making financial
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decisions because of the lack of knowledge and experience. They
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just want to not deal with it if they can
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avoid avoid, right, So there's a lot of work here
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to do too. If you fall into this category, well,
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let's go up the ladder a little bit. This gal's
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getting there. I call her the collaborator. I also call
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her the power partner. Now, twenty four percent of women
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identified themselves this way. Very balanced in life, healthy, happy,
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cooperative in their main relationship. They are really successful with
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resolving financial issues. They provide their family with financial comfort
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and stability. They're all about sharing financial power on an
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equal basis with their life partner, and they prefer to
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make decisions as a team. There's nothing wrong with this.
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The problem is, like I wrote the book about people
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that suddenly find themselves. The reason I call that money
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mindset and the suddenly single is because when someone loses
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that partner, if they're in this situation and they lose
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that partner, then sometimes they can feel lost. All right,
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let's go up the scale one more to the financial analyzer.
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I call this gal the perceptive planner. She has a
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good understanding of household finance. She has taken initiative in
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thoroughly researching investment opportunities and tracking financial results. She's a
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comparison shopper. She's an avid saver, and she rarely buys
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anything that she hasn't really thought out and that she
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can't afford. She has very analytical behavior, very disciplined approach,
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and this type of gal has usually worked with financial
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advisors in the past. She is the type of person
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that's going to want to seek out holistic, all around
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good advice, and she's going to keep trying to get
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it right. Though there were quite a few women in
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this group, thirty five percent of women in that study
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said they fell into the group. The thorough researcher, weighing
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all the options, being clear on the road ahead before
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making financial decisions. Probably keeps the spreadsheet of everything she's doing.
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I do that. I have a spreadsheet for everything I'm doing,
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otherwise I might forget Anyway, let's talk about that gal
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who's the number one, the financial initiator. I also call
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her the alpha female. Now, eighteen percent of women actually
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surveyed saw themselves as an alpha female confident, optimistic, proactive,
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really feels like she's sophisticated in financial knowledge. A lot
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of times gals that are in this situation, I find
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that they are like this, but they want to have
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you as a partner because they don't want to have
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to deal with their investments all by themselves. They are
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confident in making good financial decisions, they are clear about
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their goals, and they usually do take the initiative to
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work with a financial advisor. Now, just to let you know,
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in a couple of weeks, we are going to be
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having a podcast episode about choosing a financial advisor. So
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just a little sneak ahead that we're going to be
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doing that to go into that issue. But here's an
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