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For women especially, it's important to be financially independent.

Women need to support women.

The reality about being economically dependent on someone else usually doesn't work out for women in the end. It's about being an adult and being responsible for your life. Most women have to work, so let's just get on with it.

Older couples bring obligations such as support payments and debt as well as decades of financial experience to a marriage.

Most people assume that women are responsible for households and child care. Most couples operate that way - not all. That fundamental assumption holds women back.

Most women outlive their spouses. Divorce remains at record rates. It's important for a woman to be able to control her finances.

The deal is that women have entered the workforce, but they have not been relieved of the domestic responsibilities.

Expanded credit access has helped households maintain living standards when suffering job loss, illness, or other unexpected contingencies.

Women tend to have recognition and peer group support - recognition from friends and family that this has to be a big issue in their lives. They're more comfortable expressing the need for support and receiving it.

If a woman did not work and have the opportunity to save and invest on her own throughout her lifetime, she is often totally reliant on her family and Social Security for her retirement years.