Money Monday | Financial Empowerment for Women
Source: R1 Digital / other
.
March is Women’s History Month—a time to reflect on the remarkable contributions of women throughout history. Yet, while women continue to break barriers in every sphere, many still struggle with financial empowerment and support. That’s why financial expert Jini Thornton gives us her top five tips to help women manage their finances, build wealth, and secure their future at every stage of life, addressing common challenges and offering powerful solutions. Here’s what she had to share.
Want news at your fingertips? Text “ERICA” to 52140 to join our club. (Terms and conditions)
1. Face Your Finances Head-On
“Ladies, the running is over,” Jini says in her signature direct-yet-encouraging tone. Many of us avoid looking at our finances when we feel overwhelmed, but Jini emphasizes that there’s no better time than now to address these feelings.
“We can do hard things,” she assures listeners. Acknowledging where you stand financially—whether it’s debt, unclear budgeting, or lack of savings—is empowering. Once you identify your starting point, you can move forward toward lasting financial health.
Take Action:
- Assess your income, expenses, debts, and savings.
- Create a realistic budget to take control of your financial story.
2. Automate and Separate Your Savings
Concerned about having nothing saved for a rainy day? Jini introduces two simple yet highly effective words to shift your savings habits: automation and separation.
“Have savings automatically taken from your paycheck and sent to a separate account,” she advises. Removing the manual effort ensures consistency, and keeping funds in a separate account reduces the temptation to dip into them. For added security, Jini even suggests choosing a bank without online access to make withdrawals harder.
Take Action:
- Set up an automatic transfer to a savings account each payday.
- Consider direct deposits into an account you don’t check daily.
CLICK HERE TO DOWNLOAD OUR APP AND TAKE US WITH YOU ANYWHERE!
3. Start Young, Secure Your Future
For young women, particularly those in their twenties, Jini offers a heartfelt reminder that the decisions they make today will impact their future selves.
“Your 50- or 60-year-old self is counting on you,” she stresses. Developing financial discipline now—saving, investing, and contributing to retirement accounts—provides a head start for lifelong security.
Take Action:
- Begin contributing to a retirement fund, even if it’s a small amount.
- Establish the habit of saving and investing consistently.
4. Leave a Legacy
When speaking to older women, Jini highlights the importance of leaving behind a well-organized financial legacy. “We must have order in our lives,” she says. Beyond accumulating wealth, the focus shifts to ensuring your loved ones know how to access it.
Simple steps like listing beneficiaries, creating a will, and ensuring your documents are in order can bring peace of mind and avoid unnecessary complications for future generations.
Take Action:
- Update your will, life insurance beneficiaries, and trusts.
- Make a list of important financial documents and tell trusted loved ones where to find them.
5. Treat Savings Like a Bill
Jini’s ultimate mindset shift? Treat savings as a non-negotiable bill—one that comes before anything else.
“It’s about behavior,” she explains. By prioritizing savings and allotting funds as the first step of your budget, you’ll force yourself to manage your remaining finances within that boundary. Even starting with $10 from each paycheck can create momentum, building the habit of consistent savings.
Take Action:
- Arrange your budget so that savings are the first item you “pay.”
- Begin with any amount you can manage—even small steps matter.
READ MORE STORIES ON GETUPERICA.COM:
The Power of Intention
Jini’s message is clear: financial empowerment for women begins with intention. Whether it’s building a safety net, preparing for retirement, or creating a legacy, cultivating good financial habits unlocks greater security and freedom.
“Intentional is just another word for focused,” Jini says. By tuning into your finances and putting in the work, you’ll create the life you—and future generations—deserve.
Take control of your financial destiny, one step at a time.
Related Article: Money Monday: Save Money on Travel
Related Article: $46 Billion in College Scholarships | Money Monday
HEAD BACK TO GETUPERICA.COM
The article ‘Money Monday | Financial Empowerment for Women‘ was created with the help of Jasper.AI
