Index

  • Abundance mindset:
    • giving and, 152–153
    • negotiating from, 102–103
    • new challenges in, 101
    • openness in, 95
    • in personal relationships, 134–135
  • Abuse, financial, 136–137
  • Accountability partners, 55
  • Active management, 100
  • Adverse accounts, 82–83, 160
  • Advertising, 60
  • Advice, offering financial, 148
  • Affordable car, 63–65
  • Affordable childcare, 117, 118, 123
  • Affordable housing, 62–63
  • Allianz Insurance, 7
  • Allowance policy, 55, 137
  • Ally, 98
  • Alternative mortgage programs, 83
  • American Dream, 61–62
  • AnnualCreditReport.com, 21, 160
  • Another chance mortgages, 83
  • Arguments, with partner, 54–55, 136–138
  • Art, as asset, 20
  • Assets:
    • determining value of, 20
    • examples of, 19–20
    • in household net worth, 17–19
    • selling, to improve net worth, 32–33
  • Attitude, during negotiations, 92–93
  • Automated bill‐paying, 67–68, 71
  • Autonomy, 121, 140–141
  • Average household income, 51
  • Average wage index, 51
  • Babysitters, 115–118, 121
  • Balance transfers, 52
  • Bank accounts:
  • Banks, 61, 79, 110–111
  • Baton Rouge, La., 107
  • Beliefs:
    • capabilities and, 2, 3, 12–13
    • in negative money mindset, 5
  • Bendix, Trish, 5, 6
  • Bills:
    • automated bill‐paying, 67–68, 71
    • in budgeting process, 44
    • checking account for paying, 110
    • negotiating to reduce, 92–93
    • researching, 69
  • Binder, emergency, 113–114, 162
  • Black Community, xvi, 19
  • Boss mindset, xv, xviii, 1–13
    • action steps for creating, 159
    • in Covid‐19 pandemic, 11–13
    • described, 9–10
    • on earning more money, 101–104
    • on emergency funds, 107, 109
    • emotional labor and, 5–7
    • on household net worth, 33–34
    • making goals with, 40–41
    • for moms, 2–4
    • money confidence in, 7–9
    • negative money/scarcity mindset vs., 4–5, 10–11
    • in relationships with friends and family, 133–136
    • statements from, 10–11
    • vulnerability in, 131
  • Boundary setting, 147–148
  • Brokerage accounts, 98, 101
  • Budget:
    • for buying a home, 57–61
    • one‐month emergency fund based on, 107
    • Smith family sample, 49–50
    • spending categories on, 43–45
    • sticking to, 42, 53–55
    • three anchors for, 61–67
  • Budgeting, 35–55
    • action steps for, 159–160
    • allocating income to expenses, 46–47
    • household net worth and, 33
    • improving skill with, 72
    • joint family goals, 39–43
    • for millennial mothers, 37–38
    • one‐month ahead, 67–72
    • paying off debt, 50–53
    • and sinking funds, 47–48, 50
    • for small acts of kindness, 153–154
    • by stay‐at‐home moms, 120, 122
    • take‐home income, 45–46
    • by working moms, 123, 124
  • Buffett, Warren, 99–100
  • Business owners:
    • negotiating for, 88
    • net worth for, 28–30
  • California, childcare costs in, 122
  • Capabilities, beliefs and, 2, 3, 12–13
  • Car(s):
    • affordable, 63–65
    • determining value of, 20
    • in money discussion with kids, 145
    • negotiating when buying, 93
    • net worth and purchase of, 23
  • Car fund, 46–47
  • Car loans, 50, 63–65, 81
  • Car repairs, 110
  • Cash, 60, 69, 144
  • Cash flow, defined, 60
  • Cash flow management, 57–72
    • action steps for, 160
    • emergency funds and, 110
    • improving, 71–72
    • one‐month ahead system for, 67–71
    • ROADSS system for, 69–71
    • three budget anchors for, 61–67
  • Cash savings, net worth and, 26
  • Catastrophic events, 105–107
  • Certified Financial PlannerTM (CFP®), 98, 145–146
  • Change:
    • embracing, 158
    • leading by example to create, 141–142
  • Charitable organizations, 154–155
  • Charity Navigator, 154, 162
  • Cheap, 130, 134
  • Checking accounts, 110, 111
  • Childcare:
  • Childcare vs. career dilemma, 115–125
    • factors in, 124–125
    • financial analysis for stay‐at‐home moms, 118–122
    • net worth is decision making about, 24–28
    • outsourcing for working moms, 122–124
    • reinvesting in the babysitter, 117–118
    • running the numbers in, 162
  • Children:
    • college savings accounts for, 30, 33, 145–146
    • earning of money by, 91, 155
    • emergency binder information about, 113
    • extracurricular activities of, 123, 162
    • financially stable home for, 124–125, 136
    • giving by, 155–156
    • homeownership and having, 63
    • legacy for, 90–92
    • money conversations with, 142–146
    • relationship with, 142–146
    • whole life insurance for, 112
  • Christmas gifts, 48, 110, 135–136
  • Collections notices, 82–83, 160
  • College education:
    • conversation with kids about, 145–146
    • saving for children's, 30, 33, 112
    • student loans, 21, 80, 146
  • Communication:
    • about money history, 137–139
    • about taboo subjects, 90–91, 128–130, 142
    • with family and friends about financial goals, 130–131
    • money conversations with children, 142–146
    • money conversations with partner, 139, 141
  • Community college, 146
  • Compound interest, 33
  • Confidence, 3, 7–9, 130
  • Confrontation, 88, 92, 133
  • Contentment, 156, 157
  • Control, 136–137
  • Covid‐19 pandemic, xiv–xv
    • boss mindset in, 11–13
    • emergency funds and, 106–107, 111
    • food budget in, 66
    • working from home in, 116
  • Credit:
    • building, 81–82
    • diversity of/credit mix, 78, 80
    • monitoring, 74, 75, 82–85
  • Credit cards:
    • budgeting to pay off, 50–52
    • day‐to‐day spending on, 74–75
    • deciding to use, 42–43
    • with FICO score monitoring, 85
    • past spending on, 69
    • paying off, 50–52, 79
    • secured, 80, 81
    • starter, 80, 81
    • 30% balance rule for, 79
  • Credit history, length of, 78–82
  • Credit inquiries, 80, 82
  • Credit Karma, 84, 85, 160
  • Credit mix, 78, 80
  • Creditors, negotiating with, 83, 86
  • Credit report, 21, 76–77, 85
  • Credit score, 73–86
    • benefits of high, 72
    • and credit report, 85
    • described, 76–77
    • events with negative impact on, 82–83
    • excellent, 78, 83–84, 86
    • homeownership and, 61, 83–84
    • improving, 77, 81–82, 85–86, 160
    • interest rate and, 81
    • meaning of FICO score, 78–80
    • monitoring, 82–85
    • subprime, 81, 83
    • uses of, 75
  • Credit Sesame, 84, 85, 160
  • Credit utilization, 79, 82, 84
  • Cultural norms, emotional labor due to, 5–6
  • Dads, see Partner(s)
  • DAFs (donor‐advised funds), 154–155, 163
  • Data breaches, 84
  • Death, protecting family after your, 113–114
  • Debit cards, 69, 110
  • Debt. See also Paying off debt
    • after holidays, 135, 136
    • in budgeting process, 44
    • credit score and, 75, 81
    • emergency funds and, 108–109
    • expanding business without incurring, 30
    • friends and family members' view of, 130, 148
    • high‐interest, 51–53, 108
    • and net worth, 18
  • Debt Incineration Method, 52
  • Debt owed, in FICO score, 78, 79
  • Debt‐to‐Income (DTI) ratio, 61
  • Decision making:
    • as emotional labor, 6–8
    • financial, 3–4, 7–8, 39, 42
    • financial goals as basis for, 15–17
  • De la Cretaz, Britni, 9
  • Delegation, 9, 157
  • Depreciation, 63, 81
  • Depression, 128, 129
  • Destination weddings, 131–133
  • Detroit, Mich., 58
  • Dignity mortgages, 83
  • Disappointment, 132–133, 148
  • Discomfort, in negotiations, 95–96
  • Discounts, 70
  • Discouragement, 54
  • Disliked tasks, outsourcing, 124
  • Diversification, in index fund, 100
  • Diversity of credit (credit mix), 78, 80
  • Donor‐advised funds (DAFs), 154–155, 163
  • Down payment, on house, 61–62
  • Downsizing car loan, 64–65
  • Dream home, 59–60
  • DTI (Debt‐to‐Income) ratio, 61
  • Earning more money, 87–104
    • action steps for, 161
    • boss mindset about, 101–104
    • and investing, 96–101
    • negotiating to increase income, 94–96
    • and negotiating to reduce bills, 92–93
    • reasons to pursue wealth, 88–92
  • Earning potential, 119
  • Economic Policy Institute, 122
  • Education Savings Accounts (ESAs), 33, 112, 145, 146
  • Emergency binder, 113–114, 162
  • Emergency funds, xiv–xv, 104–111
    • accessing, 110–111
    • action steps for building, 161
    • budgeting to increase, 50
    • for catastrophic events, 105–107
    • and high‐interest debt, 108
    • mini‐, 110
    • and net worth, 24
    • one‐month starter, 107–108
    • separate bank accounts for, 109–111
    • six‐plus‐month, 108–109, 111
    • three‐ to six‐month, 111
  • Emergency planning, by stay‐at‐home moms, 119–120
  • Emotional labor, 5–7, 9, 38
  • Emotions, in negotiations, 93
  • Employee, negotiating to earn more as, 95
  • Employer‐matched retirement contribution, 97–98
  • Employer‐sponsored retirement plans, 97–98, 119
  • Empowerment, 10–11, 43
  • Entrepreneurs, personal freedom for, 89–90
  • Equifax, 76
  • Equity, negative, 63, 81
  • Established family, net worth for, 28–30
  • Excellent credit score, 78, 83–84, 86
  • Expenses:
    • allocating income to, 46–47
    • budget anchors, 61–67
    • omitting unnecessary, 69–70
  • Experian, 76
  • Experian Automotive, 63
  • Extracurricular activities, 123, 162
  • Extreme generosity, 92
  • Facebook, 123, 129, 148
  • Facebook Marketplace, 70, 109
  • Fair Isaac Corporation (FICO), 76, 80
  • Family(‐ies). See also Protecting your family
  • Family events, attending, 131–133
  • Fed Up (Hartley), 5
  • Fees, investment, 98, 100
  • FICO (Fair Isaac Corporation), 76, 80
  • FICO 8 Score, 85
  • FICO 10 Score, 85
  • FICO Auto Score, 85
  • FICO score, 72, 73, 76–80, 85
  • Fidelity, 101
  • Fiduciaries, 98, 161
  • Finances, organizing, 110–111, 144
  • Financial abuse, 136–137
  • Financial advisors, 98
  • Financial aid, for college, 146
  • Financial decision‐making, 3–4
    • in household budget meetings, 39
    • joint family goals as basis for, 42
    • by stay‐at‐home moms, 118–122, 162
    • by women, 7–8
  • Financial freedom, 40
  • Financial goals:
    • budgeting based on, 39–43
    • cash flow management to pursue, 67
    • decision making based on, 15–17
    • and disagreements about money, 139
    • household discussions of, 33–34
    • and household net worth, 18
    • as motivator, 53–54
    • for one‐month ahead budgeting, 70
    • reaching, 4
    • savings accounts for separate, 110, 111
    • sinking funds for, 48
    • telling family and friends about, 130–131
  • Financial infidelity, 137
  • Financial issues in relationships, 127–149
    • action steps for improving, 162
    • conversations about taboo subjects, 128–130
    • with friends and family, 130–136
    • and influence of network on financial success, 147–148
    • with kids, 142–146
    • with partner, 136–142
  • 501(c)(3) charities, 154–155
  • 529 accounts, 33, 112, 145–146
  • Flexible jobs, 118
  • Flexible spending accounts (FSAs), 98
  • Florence, Italy, 87
  • Food:
    • as budget anchor, 65–67
    • dining out with friends, 134–135
    • outsourcing preparation of, 123–124
  • Fraud protection, 75
  • Freedom, 40, 89–90
  • Friends, 129, 134–136, 147
  • Frugality, 134
  • FSAs (flexible spending accounts), 98
  • Fun money accounts, 140–141
  • Generosity, 144
    • being generous to yourself, 156–158
    • extreme, 92
    • giving with, 152
    • at holidays, 136
    • infectiousness of, 154
  • Gifts, Christmas, 48, 110, 135–136
  • Giving, 151–158
    • and abundance mindset, 152–153
    • action steps for increasing, 162–163
    • and being generous to yourself, 156–158
    • budgeting for small acts of kindness, 153–154
    • to charitable organizations, 154–155
    • as lesson for kids, 155–156
    • while paying off debt, 155
  • Goals, see Financial goals
  • Gratitude, 156, 157
  • Grocery store, saving money at, 65
  • Gross income, 45, 61, 119
  • Happiness, luxury car and, 64–65
  • Hard credit inquiries, 82
  • Hartley, Gemma, 5, 6
  • Healthcare, 98, 119
  • Health insurance premiums, 45–46
  • Health savings accounts (HSAs), 98
  • Help, asking for, 123, 124, 129, 130
  • High‐interest debt, 51–53, 108
  • Holidays, overspending at, 135–136
  • Home:
    • affordable housing, 62–63
    • budget for buying, 57–61
    • credit score needed to buy, 83–84
    • determining value of, 20
    • negotiating when buying, 93
    • net worth and value of, 24–25
    • renting vs. owning, 61–63
  • Household budget meetings, 38–39, 54–55. See also Budgeting
  • Household net worth, 15–34
    • calculating, 19–21, 159
    • defined, 17, 18
    • and discussing money goals, 33–34
    • example scenarios, 21–33
    • for homeowners, 62
    • leased cars and, 65
  • “How to Get Your Partner to Take on More Emotional Labor” (de la Cretaz), 9
  • HSAs (health savings accounts), 98
  • Hurricane Katrina, 105–106
  • “I Live With a Woman—We're Not Immune to Emotional Labor” (Bendix), 5
  • Income. See also Earning more money
    • allocation of, to expenses, 46–47
    • average household, 51
    • in budgeting, 44
    • in childcare vs. career dilemma, 26–27
    • comparisons of, 94–95
    • in Debt Incineration Method, 52
    • gross, 45, 61, 119
    • and net worth, 23
    • take‐home, 27, 45–46, 59, 119
    • term life insurance based on, 112
    • variable, 46, 59
  • Independence, for children, 143–144
  • Index, defined, 99
  • Index funds, 99–100
  • Individual retirement accounts (IRAs), 97, 98, 119
  • Infidelity, financial, 137
  • Influence, 10, 141–142, 147–148
  • Insecurity, 148
  • Instagram, 148
  • Insurance:
    • asking for discounts on, 70
    • buying, 111–113, 161
    • and net worth, 27
    • private mortgage, 62
  • Interest:
    • compound, 33
    • cost of, over loan, 81
    • high‐interest debt, 51–53, 108
  • Interest rates:
    • credit card, 51, 52
    • credit score and, 75, 81, 83–84
  • Internet service provider, negotiating with, 92–93
  • Interruptions, 54
  • Intrusive thoughts, 128
  • Investing, 96–101
    • in index funds, 99–101
    • insurance vs., 112
    • learning more about, 96–99, 161
    • managing spending to afford, 38
    • for stay‐at‐home moms, 119
  • IRAs, see Individual retirement accounts
  • Jewelry, as asset, 20
  • Joint accounts, access to, 137
  • Joint household net worth, 27–28
  • Joint responsibilities, 6
  • Joy, 154
  • Kelly Blue Book, 20
  • Kindness, 151–154, 156–157
  • KRC Research, 6
  • Labor, emotional, 5–7, 9, 38
  • Late payments, 51, 68, 73–74, 77, 82
  • Leadership, 4, 9, 43, 141–142
  • Leases, car, 65
  • Legacy, creating a, 42, 90–92
  • Length of credit history, 78–82
  • Liabilities, 17–21
  • Life insurance, 112
  • Loan(s):
    • car, 50, 63–65, 81
    • cost of interest over term of, 81
    • student, 21, 80, 146
    • subprime mortgage, 83
  • Louisiana, 105–106, 122
  • Luxury vehicles, 64–65
  • Maintenance costs, home, 62
  • Media, messages about wealth from, 88
  • Mental health, 52–53, 128–129
  • Mental load. See also Peace of mind
    • with boss mindset, 133
    • budget anchor‐associated, 65
    • emergency funds to alleviate, 109
    • outsourcing to reduce, 124
    • for stay‐at‐home moms, 121
  • Michigan, childcare costs in, 122
  • Micromanagement, of partner, 139–140
  • Millennial moms:
    • budgeting by, 37–38
    • childcare providers for, 122–123
    • emotional labor related to money for, 6–7
    • holiday stress for, 135
  • Millennials:
    • buying a dream home for, 59–60
    • holiday debt for, 135
    • homeownership regrets of, 62
  • Millionaire, defined, 18
  • Mindset:
  • Mini‐emergency fund, 110
  • Mintel, 98
  • Missed payments, 77
  • Mistakes, making, 158
  • Moms, boss mindset for, 2–4. See also specific types, e.g.: Millennial moms
  • Money:
    • children's use of, 155–156
    • connecting work and, 142–143, 145
    • conversations with children about, 142–146
    • earning more, see Earning more money
    • emotional labor related to, 6–7
    • influence of, on human history, xvi
    • lessons for kids about earning, 91, 155
    • as taboo topic, 90–91, 129–130, 142
  • Money confidence, 3, 7–9
  • Money goals, see Financial goals
  • Money history conversations, 137–139
  • Money management, 8, 89–90, 120
  • Money stories, changing, xvii
  • Monthly payments, 60
  • Mortgage payments, 59, 61–63
  • Mother's helpers, 117–118
  • Mutual funds, 98, 99
  • National Student Loan Data System (NSLDS), 21
  • Needs, prioritizing your own, 157
  • Negative equity, 63, 81
  • Negative money mindset, see Scarcity mindset
  • Negative net worth, 21–24
  • Negative view of wealth, 88–89
  • Negotiating, 161
    • with creditors, 83, 86
    • increasing income by, 94–96
    • reducing bills by, 92–93
  • Net income, see Take‐home income
  • Network, for financial success, 147–148
  • Net worth, see Household net worth
  • New credit, in FICO score, 78, 80
  • New Jersey, 122
  • New Orleans, La., 106, 107
  • NSLDS (National Student Loan Data System), 21
  • Obsessive compulsive disorder (OCD), 128
  • One‐month ahead budgeting, 67–71
  • One‐month starter emergency fund, 107–108
  • $1,000 emergency fund, 107–108
  • Openness, about rates, 94–95
  • Outsourcing, 122–124, 157, 162
  • Overdrafts, 68
  • Overspending, 108–109, 135–136
  • Partner(s):
    • arguments with, 54–55, 136–138
    • childcare vs. career discussions with, 120–121
    • delegating to, 9
    • financial issues in relationships with, 136–142
    • influencing, 141–142
    • joint financial goals for, 33
    • joint household net worth with, 27–28
    • productive budget meetings with, 53–55
    • with separate bank accounts, see Separate accounts (for partners)
    • spending by, 137
  • Paycheck‐to‐paycheck families:
    • budgeting for, 47
    • emergency funds for, 109
    • scarcity mindset of, 38
    • tracking net worth for, 18
    • views of debt by, 148
  • Paying off debt:
    • budget for, 50–53
    • on credit cards, 50–52, 79
    • giving while, 155
    • and household net worth, 23–24, 32–33
    • improving credit score by, 82
    • protecting your family by, 108
  • Payment history, 78, 79, 84
  • Peace of mind. See also Mental load
    • budgeting to improve, 55
    • giving yourself, 157
    • from one‐month ahead budgeting, 71
  • Personal freedom, 40, 89–90
  • Personal time, for stay‐at‐home moms, 121
  • Pinterest, 65
  • Planning:
    • in budgeting, 46–47
    • for investing, 96–97
    • in motherhood, 2–3
    • net worth as basis for, 17
    • use joint family goals for, 41–42
  • PMI (private mortgage insurance), 62
  • Ponzi schemes, 101
  • Positive net worth, 24–28
  • Postpartum depression (PPD), 128, 129
  • Priorities, reevaluating, 12
  • Private mortgage insurance (PMI), 62
  • Protecting your family, 105–114
    • action steps for, 161–162
    • in catastrophic events, 105–107
    • emergency binder, 113–114
    • emergency funds for, 104–111
    • insurance for, 111–113
    • for stay‐at‐home moms, 119–120
  • Raise, asking for a, 95–96
  • Referrals, childcare provider, 123
  • Refunds, 67
  • Regions Bank, 7
  • Reinvesting in the babysitter, 117–118
  • Relationships, financial issues in, see Financial issues in relationships
  • Relationship therapist, 9
  • Renting, homeownership vs., 61–63
  • Resentment, 121
  • Responsibility, for moms, 2–4
  • Restaurants, 66, 134–135
  • Retirement saving:
    • in employer‐sponsored plans, 97–98, 119
    • and net income, 45–46
    • and net worth, 23, 26, 27, 29–30, 32, 33
    • for stay‐at‐home moms, 119
  • Rewards, 24, 54
  • ROADSS system, 69–71, 160
  • Roth IRA, 97
  • Same‐sex couples, 5, 31–33
  • Saving(s):
  • Savings accounts, 110, 111
  • Scarcity (negative money) mindset:
    • boss mindset vs., 4–5, 10–11
    • combating, 8–9
    • credit score as cause of, 74
    • in family culture, 91
    • impact of, 152–153
    • for paycheck‐to‐paycheck families, 38
    • self‐sabotage associated with, 102
    • statements from, 10–11
  • Schwab, 101
  • Secured credit cards, 80, 81
  • Self‐compassion, 156–157
  • Self‐doubt, 116
  • Self‐employed people:
    • net income for, 45–46
    • personal freedom for, 89, 90
    • retirement accounts for, 98
    • setting of rates by, 94–95, 102
  • Self‐reflection, 139, 142, 159, 161
  • Self‐worth:
    • and conversations about financial goals, 131
    • and generosity to yourself, 158
    • negotiating to earn more and, 102–103
    • net worth vs., 18, 21
    • scarcity mindset and, 153
  • Selling objects:
    • to build emergency fund, 109
    • to improve net worth, 32–33
    • for one‐month ahead budgeting, 70
  • Separate accounts (for partners):
    • for fun money, 140–141
    • household budget meetings with, 39
    • household net worth with, 31–33
    • one‐month ahead budgeting with, 67–68
  • SEP‐IRA, 98
  • Service providers:
    • negotiating with, 62–63, 70
    • reducing number of, 70
  • Servicers, loan, 21
  • Shame, 52–53, 129–131, 140
  • Side hustles, 71, 96
  • Single moms:
    • delegation by, 9
    • emotional labor for, 5
    • household budget meetings for, 38–39, 55
    • household net worth example, 21–24
    • outsourcing for, 122
  • Sinking funds, 47–50
  • Six‐plus‐month emergency fund, 24, 108–109, 111
  • Small acts of kindness, 151–154
  • Small purchases, spending on, 66–67
  • Social media, 129
  • Social Security Administration, 51
  • Soft credit inquiries, 82
  • Solo 401k plan, 98
  • S&P 500 Index, 99, 100
  • S&P 500 Index fund, 100
  • Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), 35–37
  • Spending:
    • by children, 155
    • credit cards for, 74–75
    • determining level of, 70
    • managing household, 37–38
    • overspending, 108–109, 135–136
    • by partner, 137
    • researching past, 69
    • reviewing, to build budget, 43–44
    • on small purchases, 66–67
  • Spending awareness, 48
  • Spending categories, budget, 44–45
  • Spousal IRA, 98, 119
  • Starter credit cards, 80, 81
  • Status quo, maintaining, 102, 103, 136
  • Stay‐at‐home moms. See also Childcare vs. career dilemma
    • childcare trading by, 121
    • emotional labor for, 6
    • expectations of, 117, 118
    • financial decision‐making by, 118–122, 162
    • household net worth for, 26
    • spousal IRAs for, 98, 119
    • term life insurance for, 112
  • Stefani, Gwen, 79
  • Stock, defined, 99
  • Stock market, 97
  • Studentaid.gov, 21
  • Student loans, 21, 80, 146
  • Subprime credit scores, 81, 83
  • Subprime mortgage loans, 83
  • Taboo subjects, 90–91, 128–130, 142
  • Take‐home income:
    • in budgeting, 45–46
    • in childcare vs. career dilemma, 27, 119
    • mortgage payment as percentage of, 59
  • Taxes, 45–46, 101, 154
  • Term life insurance, 112
  • Tesla Model X, 145
  • 30% balance rule, 79
  • Three‐ to six‐month emergency fund, 111
  • Total Stock Market Index fund, 100
  • Trade school, 146
  • Traditional IRAs, 97
  • TransUnion, 76
  • UltraFICOTM score, 77
  • Unexpected events:
    • emergency funds for, 107–108
    • sinking funds for, 47–48, 50
  • United States Census Bureau, 51
  • Vacations, sinking funds for, 48
  • Vanderbilt University, 7
  • Vanguard, 101
  • VantageScore, 77, 84
  • Variable income, 46, 59
  • Vulnerability, 162
    • in conversations about money, 130–131
    • in conversations with partner, 139, 141
    • in friendships, 147
  • Wealth, 3, 88–92
    • for extreme generosity, 92
    • homeownership to build, 62
    • and leaving a legacy, 90–92
    • and money confidence, 7–8
    • negative view of, 88–89
    • for personal freedom, 89–90
  • Wealth gap, xvi
  • Wedding dilemma, 131–133
  • Whole life insurance, 112
  • WIC (Special Supplemental Nutrition Program for Women, Infants, and Children), 35–37
  • Widows, budget meetings for, 39
  • Wills, 113, 162
  • Women:
    • emotional labor for, 5
    • financial decision‐making by, 7–8
    • investing by, 98–99
    • money confidence of, 3
    • raise negotiations for, 96
    • scarcity mindset of, 153
  • “Women, Money, and Power Study,” 7
  • Women and Wealth Survey, 7
  • “Women Aren't Nags—We're Just Fed Up” (Hartley), 5
  • “Women of Influence,” money confidence for, 8
  • Young couple, household net worth example, 24–28
  • Zillow, 20
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