Despite all the advances women have made in the realm of personal finance, when it comes to saving for retirement, they still lag behind their male counterparts. On average, men's retirement account balances are more than 50 percent higher than women's.
Add up all of the above. I just found you $400. Now I know there are some so trapped in poverty that this in no way applies to them. But we are talking almost half of Americans today would struggle with a $400 emergency. At what point do you finally declare a financial emergency and start saving?