Lack of financial savvy can put women (and men) at a substantial disadvantage. Statistics say it is only a matter of time before 85% to 90% of women will be on their own financially. Some will never marry, some will see their marriages end in divorce, and many will outlive their husbands. Women also have lower average earnings than men, more gaps in their employment history due to child rearing and/or care of elderly parents, greater average life expectancies, and more severe impacts resulting from life events like widowhood and divorce.
Enter Money Talk: A Financial Guide for Women, a 198-page workbook that explains basic personal finance concepts and contains dozens of worksheets to apply the content personally. The 4th edition of the book was revised in 2018 to include the 2017 Tax Cuts and Jobs Act as well as changes to credit laws, health insurance rules, Social Security, estate planning, and other financial topics. I initially wrote Money Talk in 2004 with former Rutgers Cooperative Extension colleague Patricia Q. Brennan and oversaw the 2018 revision.
A copy of Money Talk: A Financial Guide for Women is available online. The book can be accessed in its entirety or by individual sections using the links below.
Total Money Talk Book (198 pages)
Money Talk Book Front Material (8 pages)
Money Talk Book Back Material (12 pages)
Session 1: Financial Basics (44 pages)
Session 2: Are You Covered? Insurance Basics (26 pages)
Session 3: Investing Basics (30 pages)
Session 4: Investing for Retirement (44 pages)
Session 5: Planning for Future Life Events (34 pages)
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