There’s a moment I see in so many women — a tiny pause, a self-deprecating laugh, and then the familiar confession rolls out:

“Oh… I’m just not a numbers person.”

I’ve heard it a thousand times, and it always lands the same way.
Not because it’s true — it never is — but because it’s a story we’ve been taught to believe. A story wrapped in humour, resignation, and a quiet apology for not knowing something we were never actually taught.

Every time I hear a woman say this, I see the same underlying message: “I don’t trust myself with money. Someone else should do it.”

And that moment — that tiny surrender — is where the trouble begins.

So today I want to tell you the story of how women go from “not a numbers person” to financially fluent. It’s not complicated. It’s not mathematical. It’s not about turning you into an accountant. It’s about reclaiming the parts of yourself you quietly handed over years ago.

Let’s begin.

Step One: Change the Story

The shift doesn’t start in your bank account.
It starts in your identity.

Imagine a woman — let’s call her Laura. She’s smart, capable, runs a household, runs a business, runs her entire life. But when money comes up? She shrinks. She apologises. She hands it over like a hot stone she’s afraid to touch.

Laura isn’t bad with money.
She was simply never taught.
And at some point, she mistook lack of knowledge for lack of ability.

That is the story women inherit:
Money is complicated. Money is masculine. Money is something someone else should handle.

When you rewrite that story — when you shift from “I’m hopeless with money” to “I’m learning this, and I’m allowed to learn this” — everything opens.

It is impossible to become powerful with money while telling a powerless story about yourself.

So we start by changing the story.
We forgive ourselves for not knowing.
We claim financial fluency as an identity we are stepping into — not a club we’re excluded from.

Step Two: Know Your Real Numbers — Not the Fantasy Version

Once a woman changes the story, she’s ready for clarity. Not drama. Not shame. Just truth.

And truth is stabilising.

There comes a moment — usually during a quiet morning coffee or a weekly money date — where she looks at her real cost of living for the first time. Not the “I think it’s around…” version. The real version.

Because confidence cannot grow in mystery.
It grows in reality.

I tell women this simple formula, and you can feel the relief instantly:

Whatever your life costs… add 50%. That is your safety number.

It’s not restrictive.
It’s not punitive.
It’s simply grounded.

The extra 50% creates breathing room — space for savings, super, emergencies, investing, holidays, joy. It’s the difference between living on the edge and living with stability.

When a woman knows her real number, she stops guessing.
She stops feeling behind.
She stops living in financial fog.

Clarity is the quietest, most underrated confidence booster there is.

Step Three: Track Your Money Weekly — Not Emotionally

Here’s where women often expect chaos — but instead find calm.

Tracking your cash flow weekly is not about spreadsheets or colour coding. It’s about presence. It’s about saying, “I’m the adult in my financial life, and I check in the way I check in with anything that matters.”

Not at 10pm after a glass of wine.
Not during a panic spiral.
Not when you’re exhausted and already overwhelmed.

But in a steady, regulated moment where your nervous system is on your team.

A woman who checks her money weekly is a woman building wealth in real time. She’s not shocked anymore. She’s not guessing. She’s not in avoidance.

This one habit turns financial chaos into financial clarity, and clarity into financial power.

Three Quick Wins to Boost Your Net Worth Today

Once the big pieces are in motion, I always encourage women to take three small actions — not because the dollar amount will change their life overnight, but because the identity shift will.

First: she sits down and cancels the subscriptions she forgot existed. The apps she never uses. The memberships she swore she’d try. Black Friday usually adds a few extras to the pile. Within minutes, she’s reclaimed money she didn’t even realise was leaking away.

Next: she starts investing. Not dramatically. Not recklessly. Just a tiny step — a round-up app, a micro-investing account, or a little extra going into super. And suddenly she feels it: “My money is working for me.” It’s small, but it’s a beginning. And beginnings matter.

Then: she renegotiates something. A phone plan. An energy bill. Her internet. Her home insurance. The confidence that surges through a woman who calls a company, asks for a better deal, and gets it… that stays with her.

Every woman I know who renegotiates something walks away taller — not because of the savings, but because she remembers her power.

Money Isn’t Masculine. Money Isn’t a Personality Trait. Money Is Freedom.

One of the greatest lies we’ve been sold is that financial literacy is masculine — spreadsheets, budgets, tracking, planning. As if being responsible with your own future somehow makes you less feminine, less spiritual, less soft.

Money has no gender.
Money has no moral stance.
Money doesn’t care about your personality type.

Money is neutral.
Money is a tool.
And tools become dangerous when women don’t know how to use them.

Outsourcing your money is outsourcing your power.
And we are done with that.

Not on my watch.