Today on Crina and Kirsten Get to Work, our hosts have “the talk”—no, not that one. We’re talking money—earning it, saving it, investing it, and, most importantly, not stressing ourselves into a financial spiral.  While our dynamic duo are certainly not investment experts, they are two regular chicks talking about what regular chicks think about and do with their hard earned dollars.

First things first: stop punishing yourself for things beyond your control (looking at you, scale). Instead, focus on what is in your control—like making smart money moves, setting yourself up for financial success, and dodging bad investment advice from that one cousin who just put every penny they have in crypto.

Women have historically been encouraged to save, but not necessarily invest. That’s changing. More women than ever are putting their money to work—seven in ten now own stock, a massive jump from last year. Gen Z women are leading the charge, with 71% already investing in the stock market, outpacing older generations. Even so, financial stress is real. More than half of working women feel behind on retirement savings, and nearly half say money negatively impacts their mental health.

Despite the challenges—hello, gender pay gap, unpaid labor, and single-parent superhero status—women are financial powerhouses. We are most proud of providing for our families, paying off debt, and saving for the future.

Unfortunately, the financial industry still has work to do to provide the kinds of services we women want. Nearly two-thirds of us lady breadwinners say it’s patronizing, catered to men, and assumes their spouse is the primary earner. But that hasn’t stopped us from taking charge of their money. The reality? By 2030, women in the U.S. will control much of the $30 trillion in assets currently held by baby boomers. That’s a serious power shift.

What is the biggest money regret we have? Not investing sooner. But here’s the good news: it’s never too late. Step one is checking in on your financial health—do you know your 401k balance? Can you cover an emergency expense? Then, put your money to work. 

Women are stepping up, showing up, and investing like bosses. So let’s keep the momentum going—our future (and our wallets) depend on it.