BUCKS COUNTY WOMAN
FINANCE
The nesting
instinct… that primal
urge driving women to
rearrange, redecorate and reorganize.
Wecallinthecarpetcleaners,unclutterourclosetsandflipover
themattresses.(Oratleastwethinkaboutit!) Thetheoristssay
that it first shows itself days or weeks before giving birth. But I
am sure I know women who have never experienced pregnancy
and are not particularly driven by domestic impulses, who have
felt overwhelmingly compelled at times to get their house in
order.Butwhatabouttheirfinancialhouse?
Inthesetougheconomictimes,keepingourfinancialhouse Becausewomenmaylivelongerthanmen,weactuallyneed
inorderismoreimportantthanever.Thisisespecially tostartyoungerandinvestmoreaggressively.Weneedto
importantforwomen.Why?Initiallyitmightbedifficultto evaluateourinvestmentstobesuretherateofreturnis
believethatourfinancialrequirementsareallthatdifferent aheadofinflationandtaxes.Thisincreasesthechancesthat
frommen’s.Itistruethatthegeneralprinciplesoffinancial ourretirementdollarswillnotbeeatenupbythetimewe
planningareuniversalbutwomenfaceuniquechallenges actuallyreachourretirementyears.Womenalsotendtoput
thatadduptodifferentfinancialneeds. offinvestinguntillaterinlife,losingsomeeffectsofearly
compounding.Couplethiswiththefactthatweearnless
Itissafetosaythatwewillbesolelyresponsibleforour
thanmenonaverageandfrequentlymoveinandoutofthe
financessometimeinourliveswhetherwearesingle,
workforcetakingtimeofftoraisechildrenorcareforaging
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attached,divorcedorwidowed.Womenliveonaverage
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parents.Theselowersalariesequatetolowerretirement M
sevenyearslongerthanmen,soweneedmorefor
savingsandlowersocialsecuritybenefitsuponretirement.
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retirement.Theaverageageofwidowhood,accordingto
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BusinessWeek,is56.Andamarriagehasa50/50chance Sowhatdoesthismeanforyou?Startnow.Ifyouhavea
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Y
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ofbeingsuccessful.Youoweittoyourselftolearnasmuch financialplaninplaceandaremarried,besurethatyouand
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aboutsavingandinvestingyourmoneyasyoucan. yourpartnerarebothonthesamepage.Couplesshould
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