{"id":17665,"date":"2023-11-29T09:46:53","date_gmt":"2023-11-29T17:46:53","guid":{"rendered":"https:\/\/dornsife.usc.edu\/news\/?p=17665"},"modified":"2023-11-29T09:56:42","modified_gmt":"2023-11-29T17:56:42","slug":"financial-literacy-gender-gap","status":"publish","type":"post","link":"https:\/\/dornsife.usc.edu\/news\/stories\/financial-literacy-gender-gap\/","title":{"rendered":"There\u2019s a financial literacy gender gap \u2212 and older women are eager for education that meets their needs"},"content":{"rendered":"\n\n\n    \n                                \n\n  \n    \n\n\n\n\n\n\n<div\n  class=\"cc--component-container cc--article-hero \"\n\n  \n  \n  \n  \n  \n  \n  >\n  <div class=\"c--component c--article-hero\"\n    \n      >\n\n    \n<div class=\"inner-wrapper\">\n          \n<div class=\"f--field f--image\">\n\n    \n    \n    \n    \n    \n    \n              \n      <img\n                            data-src=\"https:\/\/dornsife.usc.edu\/news\/wp-content\/uploads\/sites\/7\/2023\/11\/Financial_Literacy_Rabinovich_Top-copy-768x432.jpg\"\n          data-srcset=\"https:\/\/dornsife.usc.edu\/news\/wp-content\/uploads\/sites\/7\/2023\/11\/Financial_Literacy_Rabinovich_Top-copy-1920x1080.jpg 1920w,https:\/\/dornsife.usc.edu\/news\/wp-content\/uploads\/sites\/7\/2023\/11\/Financial_Literacy_Rabinovich_Top-copy-1280x720.jpg 1280w,https:\/\/dornsife.usc.edu\/news\/wp-content\/uploads\/sites\/7\/2023\/11\/Financial_Literacy_Rabinovich_Top-copy-768x432.jpg 768w\"          data-sizes=\"(min-width:1200px) 75vw, (min-width:768px) 83vw, 100vw\"          class=\"lazyload\"\n        \n                  alt=\"A middle-aged to elderly woman wearing a gray long-sleeve shirt sits at a table using a calculator and looking through papers and receipts\"\n        \n        \n                                      \/>\n\n    \n    \n  \n  \n\n<\/div>\n  \n      <div class=\"image-caption\">\n          \n<div class=\"f--field f--description\">\n\n    \n  Knowledge is power \u2014 especially where money is concerned. (Image source: iStock.)\n\n\n<\/div>\n    <\/div>\n  \n  <div class=\"text-wrapper\">\n          <nav aria-label=\"Breadcrumb\" class=\"breadcrumbs\">\n        <ul>\n                      <li><a href=\"\/news\/stories\/\">News<\/a><\/li>\n                      <li><a href=\"\/news\/stories\/\/?category=social-impact\">Social Impact<\/a><\/li>\n                  <\/ul>\n      <\/nav>\n    \n              \n<div class=\"f--field f--page-title\">\n\n    \n  <h1>There\u2019s a financial literacy gender gap \u2212 and older women are eager for education that meets their needs<\/h1>\n\n\n<\/div>\n    \n          <div class=\"subtitle\">\n            \n<div class=\"f--field f--description\">\n\n    \n  Only a small fraction of women have received any financial education at all.\n\n\n<\/div>\n      <\/div>\n    \n           <strong class=\"author-field\"><span >By<\/span><a href=\"mailto:communication@dornsife.usc.edu\">Lila Rabinovich<\/a><\/strong>\n    \n          <span class=\"post-date-field\">November 29, 2023<\/span>\n      <\/div>\n<\/div>\n\n\n  <\/div><\/div>\n\n  \n    \n\n\n\n\n\n\n<div\n  class=\"cc--component-container cc--social-share \"\n\n  \n  \n  \n  \n  \n  \n  >\n  <div class=\"c--component c--social-share\"\n    \n      >\n\n    \n  <div class=\"content-wrapper\">\n    <span class=\"a2a_kit a2a_kit_size_32 addtoany_list\" style=\"line-height: 32px;\">\n      <span class=\"title\">\n        Share\n      <\/span>\n                        <a class=\"a2a_button_copy_link\" target=\"_blank\" href=\"\/#copy_link\" rel=\"nofollow noopener\" title=\"Link\">\n            <span class=\"a2a_svg a2a_s__default a2a_s_copy_link\">\n              <svg height=\"19\" viewBox=\"0 0 19 19\" width=\"19\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m7.43475275 9.52380952-2.17490843 2.26076008c-1.08745421 1.058837-1.68841575 2.518315-1.68841575 4.0350275 0 1.5167124.60096154 2.9475732 1.68841575 4.0350274 1.058837 1.0874543 2.51831502 1.6884158 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xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m8.14285714 9.42857143c-.17142857 0-.34285714 0-.51428571.08571428l7.28571427 6.34285719c.3428572.2571428.6857143.2571428.9428572 0l7.2857142-6.34285719c-.0857142-.08571428-.2571428-.08571428-.4285714-.08571428zm-1.28571428 1.11428567v.1714286 8.5714286c0 .6857143.6 1.2857143 1.28571428 1.2857143h14.57142856c.6857143 0 1.2857143-.6 1.2857143-1.2857143v-8.5714286c0-.0857143 0-.0857143 0-.1714286l-7.2 6.3428572c-.7714286.6857143-1.8857143.6857143-2.6571429 0z\" fill-rule=\"evenodd\" transform=\"translate(-6 -9)\"\/><\/svg>\n            <\/span>\n            <span class=\"a2a_label visually-hidden\">Email<\/span>\n          <\/a>\n                  <\/span>\n  <\/div>\n\n  <\/div><\/div>\n \n\n\n\n  \n    \n\n\n\n\n\n\n<div\n  class=\"cc--component-container cc--rich-text \"\n\n  \n  \n  \n  \n  \n  \n  >\n  <div class=\"c--component c--rich-text\"\n    \n      >\n\n    \n      \n<div class=\"f--field f--wysiwyg\">\n\n    \n  <p>Every day, families across the U.S. have to make difficult decisions about budgeting, spending, insurance, investments, savings, retirement and on and on. When faced with these choices, financial literacy \u2014 that is, knowing how to make informed decisions about money \u2014 is key.<\/p>\n<p>Yet, Americans in general <a href=\"https:\/\/gflec.org\/wp-content\/uploads\/2021\/10\/TIAA-Institute_GFLEC_P-Fin-Index-Finacial-literacy-and-wellbeing-in-a-five-generation-America_TI_Yakoboski_October-2021.pdf\" target=\"_blank\" rel=\"noopener\">aren\u2019t very financially literate<\/a>. And recent research suggests <a href=\"https:\/\/helpageusa.org\/wp-content\/uploads\/2023\/06\/Report-V3-updated.pdf\" target=\"_blank\" rel=\"noopener\">women are less financially literate than men<\/a>, regardless of their schooling, income or marital status.<\/p>\n<p>As a <a href=\"https:\/\/cesr.usc.edu\/people\/staff\/lilarabi\">social scientist<\/a> who studies aging and the social safety net, I recently took part in a large analysis of older women\u2019s financial literacy. My team and I found that men\u2019s financial literacy scores were 25% higher than women\u2019s on average, even though the two groups showed no difference in math skills or overall cognitive ability.<\/p>\n<p>Black and Hispanic women saw an even greater financial literacy gender gap, with scores that were, on average, 40% to 45% lower than those of white, non-Hispanic men.<\/p>\n<h2>Why financial literacy matters later in life<\/h2>\n<p>This gap is a big problem, especially as women approach older age. Because they tend to live longer \u2014 almost <a href=\"https:\/\/doi.org\/10.1001\/jamainternmed.2023.6041\" target=\"_blank\" rel=\"noopener\">six years<\/a> more than men, according to the latest figures \u2014 and <a href=\"https:\/\/www.nber.org\/system\/files\/working_papers\/w24429\/w24429.pdf\" target=\"_blank\" rel=\"noopener\">leave the workforce earlier<\/a>, women face longer retirements.<\/p>\n<p>And when they reach retirement age, women often have <a href=\"https:\/\/www.gao.gov\/blog\/growing-disparities-retirement-account-savings\" target=\"_blank\" rel=\"noopener\">inadequate savings<\/a>, in part because they face more <a href=\"https:\/\/eric.ed.gov\/?id=EJ1232354\" target=\"_blank\" rel=\"noopener\">family-related career interruptions<\/a> and are concentrated in <a href=\"https:\/\/www.bls.gov\/opub\/mlr\/2000\/09\/art3full.pdf\" target=\"_blank\" rel=\"noopener\">lower-paying jobs<\/a>.<\/p>\n<p>Consider that in 2020, women who worked full time earned a median of <a href=\"https:\/\/www.bls.gov\/opub\/reports\/womens-earnings\/2020\/home.htm\" target=\"_blank\" rel=\"noopener\">US$891 a week<\/a>, versus men\u2019s $1,082. Their career interruptions, lower earnings and earlier retirements mean that female Social Security recipients get <a href=\"https:\/\/www.ssa.gov\/news\/press\/factsheets\/women-alt.pdf\" target=\"_blank\" rel=\"noopener\">only 80%<\/a> of the benefits that men do.<\/p>\n<p>Financial education can\u2019t erase the effects of decades of structural inequality, of course. But the evidence shows that it can <a href=\"http:\/\/dx.doi.org\/10.2139\/ssrn.2753510\" target=\"_blank\" rel=\"noopener\">make a difference<\/a> by helping women make more informed decisions for their future.<\/p>\n<figure>\n<div class=\"video-embed\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/swXHv0khiWY?wmode=transparent&amp;start=0\" width=\"440\" height=\"260\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div><figcaption><span class=\"caption\">A brief introduction to financial literacy concepts from New York University.<\/span><\/figcaption><\/figure>\n<h2>Demand for financial education is high<\/h2>\n<p>Only 16% of women ages 40 to 65 have ever received any financial education, according to <a href=\"https:\/\/helpageusa.org\/wp-content\/uploads\/2023\/06\/Report-V3-updated.pdf\" target=\"_blank\" rel=\"noopener\">a survey of women my colleagues and I fielded in 2022<\/a>. Among African American, Native American and Asian American women, this figure falls to 8% to 10%.<\/p>\n<p>Our survey also showed that behaviors that can help with financial security are patchy among respondents. Close to 30% never put money into an emergency fund or savings account, nearly 40% never put money into an investment or retirement account, and 60% have never talked to a financial professional. Tellingly, only 20% said they felt relaxed about their financial future.<\/p>\n<p>But not all is doom and gloom: More than 70% of women in our survey said they were interested in receiving financial education. Demand was especially high among Hispanic\/Latina (93%), Black (85%) and Asian American (80%) women.<\/p>\n<p>Our survey respondents said they wanted to learn about long-term planning and other issues specific to their life stage, not just general money management principles. They also said they would prefer flexible programs that make it easy for busy people to participate, as well as those delivered by trusted agents in their communities, such as schools or community centers.<\/p>\n<p>Right now, there aren\u2019t many financial literacy programs specifically designed to address the needs of older women. But this research gives us a blueprint for future programs. Employers, financial service providers, community groups and national organizations all have an important role to play in empowering older women with the financial literacy skills they want and need.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img loading=\"lazy\" decoding=\"async\" style=\"border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;\" src=\"https:\/\/counter.theconversation.com\/content\/213050\/count.gif?distributor=republish-lightbox-basic\" alt=\"The Conversation\" width=\"1\" height=\"1\" \/><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https:\/\/theconversation.com\/republishing-guidelines --><\/p>\n<p><a href=\"https:\/\/theconversation.com\/profiles\/lila-rabinovich-1470597\" target=\"_blank\" rel=\"noopener\">Lila Rabinovich<\/a>, Social Scientist, <em><a href=\"https:\/\/theconversation.com\/institutions\/usc-dornsife-college-of-letters-arts-and-sciences-2669\" target=\"_blank\" rel=\"noopener\">USC Dornsife College of Letters, Arts and Sciences<\/a><\/em><\/p>\n<p>This article is republished from <a href=\"https:\/\/theconversation.com\" target=\"_blank\" rel=\"noopener\">The Conversation<\/a> under a Creative Commons license. Read the <a href=\"https:\/\/theconversation.com\/theres-a-financial-literacy-gender-gap-and-older-women-are-eager-for-education-that-meets-their-needs-213050\" target=\"_blank\" rel=\"noopener\">original article<\/a>.<\/p>\n\n\n\n<\/div>\n\n\n  <\/div><\/div>\n\n\n\n  \n        \n  \n    \n\n\n\n\n\n\n<div\n  class=\"cc--component-container cc--article-related-stories \"\n\n  \n  \n  \n  \n  \n  \n  >\n  <div class=\"c--component c--article-related-stories\"\n    \n      >\n\n    \n  <div class=\"inner-wrapper\">\n              \n<div class=\"f--field f--section-title\">\n\n    \n  <h2>\n          Related Articles\n      <\/h2>\n\n\n<\/div>\n    \n                  <article>\n              \n<div class=\"f--field f--cta-title\">\n\n    \n  <h3>\n          <a href=\"https:\/\/dornsife.usc.edu\/news\/stories\/whether-a-voter-casts-a-ballot\/\" \n                        class=\"\" \n      >How gender, race, age and voter ID laws affect whether a voter actually casts a\u00a0ballot<\/a>\n  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financial education for older women impacts society and the economy, and how underserved groups could benefit from financial literacy training.<\/p>\n","protected":false},"author":13,"featured_media":17679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[64,87,95,83],"class_list":["post-17665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-impact","tag-center-for-economic-and-social-research","tag-expert-viewpoint","tag-social-sciences","tag-the-conversation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>There\u2019s a financial literacy gender gap \u2212 and older women are eager for education that meets their needs<\/title>\n<meta name=\"description\" content=\"A USC Dornsife social scientist explains how 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