The Feminization of Wealth: Make 2025 Your Year to Build Wealth and Gain Financial Power
- Davina Jackson
- Dec 1, 2024
- 7 min read
Updated: Dec 8, 2024
Welcome to The Woman CFO – a space crafted just for you, where we embark on a journey of financial empowerment.
Money has long been a symbol of power, and for too long, that power has been out of reach for women. But the times are a'changing.
Women are stepping into financial independence like never before, shattering outdated norms and transforming the way wealth is earned, managed, and shared.
This movement, often called "the feminization of wealth," is more than just a shift in numbers - it's a shift in possibilities.
And as we approach 2025, the importance of financial independence for women has never been clearer.
Yes, women are rewriting the rules of wealth, but the journey is far from over. With systemic barriers, the wage gap, and societal expectations still lingering, we’re at a critical juncture. They make the path to financial empowerment a little bumpier—but they don’t make it impossible.
This week’s blog post will be all about preparing for 2025 - a year where women should be hyper-focused on building wealth and claiming their financial independence.
Why? Because financial power isn’t just about money; it’s about rewriting the rules so you can live life on your terms, build security, and shape a future you’re excited to wake up to.
So let’s dig into the feminization of wealth, what it really means, the unique challenges women face (especially women of color), and how we can break through those barriers to thrive financially in 2025 and beyond.
Key Points
The feminization of wealth is transforming how women build and control financial power, but challenges remain.
Despite progress, barriers like the wage gap, wealth gap, and caregiving pressures still limit women’s financial growth.
Women of color, especially Black women, face unique challenges but are also leading in entrepreneurship and innovation.
Women are redefining wealth by prioritizing financial literacy, value-based investing, and community-driven support.
2025 is a pivotal year for women to focus on building wealth and achieving financial independence to live life on their terms.
Steps like investing confidently, negotiating for fair pay, and building generational wealth can help you secure your future.
Your financial independence isn’t just about you - it’s about creating opportunities and inspiring future generations.
Instant Gratification Zone: Skip to the Good Stuff
What Is the Feminization of Wealth?
The feminization of wealth refers to the growing influence of women as wealth holders, financial decision-makers, and entrepreneurs.
Women are earning, saving, and investing more than ever, positioning themselves as key players in the global economy.
A few statistics highlight this shift:
Women control 32% of the world’s wealth, and this number is expected to grow.
42% of U.S. households are now led by women as the primary breadwinners.
Women are making 70-80% of purchasing decisions in the household.
This trend signals a monumental cultural shift, as women move from being passive participants in financial decisions to being active wealth creators and managers.
But let’s be real: this power doesn’t come without challenges. Women still face systemic barriers that threaten to slow down this financial momentum.
That’s why 2025 needs to be the year we push harder to take full control of our financial futures.
How Women Are Rewriting Wealth
Women are not just participating in the financial world - they’re redefining it. Here’s how:
1. Financial Education
Women are actively seeking knowledge, taking courses, and leveraging resources to improve their financial literacy.
2. Community Building
Groups like women-led investment clubs and financial coaching communities are empowering women to make informed decisions by giving them the tools and support needed to growth their wealth.
3. Investing with Purpose
From ESG funds to women-focused ventures, women are aligning their investments with their values, proving that wealth can be a tool for change.
4. Entrepreneurial Growth
Women-owned businesses are booming, with female entrepreneurs contributing significantly to the economy while building personal wealth.
We account for 39.1% of all businesses in the United States, employing over 12 million workers. Worldwide, we own one-third of all businesses. Talk about woman power!
Barriers That Still Exist
Even as women gain financial power, structural and societal challenges remain. Let’s look at the most pressing ones:
1. The Wage Gap
On average, women still earn less than men. For every dollar a man earns, women make about 82 cents - and it’s even worse for women of color.
2. The Wealth Gap
Earning less means saving and investing less, leaving women with far fewer assets compared to men over a lifetime.
3. Caregiving Responsibilities
Women often take on unpaid caregiving roles, from raising children to caring for aging parents, which can disrupt careers and retirement savings.
4. Lack of Financial Confidence
A study found that women are less likely to invest than men, often citing lack of confidence as a major reason. Yet, when women do invest, they often outperform men!
5. Systemic Barriers
From access to credit to biases in financial services, women still face systemic obstacles that make building wealth harder than it should be.
While these challenges are real, they are not insurmountable. It just makes it all the more important for us to prepare for 2025 by equipping ourselves with the knowledge, tools, and confidence to succeed financially.
The Unique Impact on Women of Color, Especially Black Women
When we talk about the feminization of wealth, we must acknowledge the uneven playing field.
Women of color, particularly Black women, face additional barriers that impact their ability to build wealth:
1. Lower Earnings
Black women earn just 64 cents for every dollar a white man earns. This wage gap translates to less wealth accumulation over time.
2. Higher Student Loan Debt
Black women carry the highest student loan debt burden, often delaying wealth-building milestones like homeownership, investing, saving for retirement, or starting a business.
3. Fewer Inheritance Opportunities
Systemic racism and discriminatory practices have limited generational wealth transfer, leaving many Black women without the financial head start others may have.
4. Resilience and Leadership
Despite these challenges, Black women are leading the charge in entrepreneurship and creating opportunities for themselves and their communities.
According to Harvard Business Review, 17% of Black women are starting or running new businesses, compared to 10% of white women and 15% of white men.
This makes black women one of the fastest-growing groups of entrepreneurs in the U.S., proving that strength and innovation can shine even in adversity.
So, for 2025 to be the year of financial independence, we must focus on dismantling these barriers while celebrating the resilience and achievements of women of color.
How You Can Build Wealth and Gain Financial Power in 2025
Ready to take control of your financial future? Let’s talk simple, actionable steps to help you build your wealth in 2025:
Step #1: Close the Confidence Gap
Invest in your financial education and trust yourself to make smart money decisions.
Step #2: Negotiate for More
Know your worth and advocate for fair pay. Use resources like salary comparison tools to back up your case.
Step #3: Build a Safety Net
Prioritize an emergency fund to cover 3-6 months of expenses, giving you financial security in uncertain times.
Step #4: Invest with Confidence
Start where you are—even small, consistent contributions can grow significantly over time. Platforms like robo-advisors make it easier than ever.
Step #5: Focus on Generational Wealth
Think beyond your own lifetime. Whether it’s homeownership, investing, or starting a business, focus on opportunities to pass wealth down.
Step #6: Seek Support
Surround yourself with women who share your goals. Join financial communities or hire a financial coach to stay accountable and inspired. You don’t have to do this alone!
Why This Matters for 2025 and Beyond
When women build wealth, the impact goes far beyond bank accounts. We create opportunities, strengthen communities, and inspire future generations, creating a ripple effect that drives positive change.
In other words, the feminization of wealth isn’t just a financial trend. It’s a societal shift toward equality, independence, and empowerment.
But we have to act now. By addressing systemic challenges, advocating for ourselves, and taking deliberate steps toward wealth-building, we can make 2025 the year women truly own their financial power.
2025: Your Wealth, Your Power
Women are stepping into their financial power, challenging systemic barriers, and rewriting the rules of wealth - showing that the feminization of wealth isn’t just a trend; it’s a revolution.
But there’s so much work that still needs to be done - from negotiating for better pay, learning to invest, to supporting women in your community - and you have the power to be part of this movement.
That’s why 2025 must be the year we women focus on building wealth, breaking barriers, and claiming financial independence.
To be very clear: Our wealth is our power. It’s the key to living life on your terms, achieving your dreams, and creating a legacy.
So let’s start today by taking one action that moves you closer to your financial goals. Whether it’s opening a savings account, learning about investments, or joining a financial community. Every step counts, no matter how small.
Let’s make 2025 the year we rewrite the future of wealth - together.
Ready to embrace your inner CFO? Join our community. Share your financial goals, budgeting tips, and success stories in the comments.
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