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Empowerment through financial literacy

Finding equal footing in a male-dominated financial space

To Her Credit offers targeted advice about personal finance based on unique challenges faced by women. It is authored by women with different financial backgrounds, dedicated to encouraging empowerment through financial literacy.

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Over the last century, women have come a long way. We’ve taken huge strides toward social and political equality, and demonstrated our fierce independence, intelligence and determination. From Condoleezza Rice becoming the first female African-American Secretary of State to the New York stock exchange appointing its first female leader in its 226-year history, we’ve seen some major successes.

But despite the triumphs, women still face unique struggles simply on the basis of gender:

  • Women earn less than men over their lifetimes.
  • Only 12 percent of working women have access to paid maternity leave.
  • Known as the “pink tax”, women’s products cost an average of 7 percent more than similar men’s products.

The truth is, women have more hidden costs in our daily lives and the potential for more financial setbacks in the future. But despite these challenges, women are less educated about personal finance – due in part to perceptions that finance is a “man’s issue.” Though we no longer live in a world where men are the primary breadwinners, financial education has not caught up with modern realities.

This needs to change.

We’ve made great strides toward equality, but we’re not there yet. Until that happens, it’s vitally important to our financial well-being to educate ourselves and take back control of our finances.

See Related: Financial advice: One size doesn’t fit all

Who we are

We are three women working at, maintaining completely different relationships with personal finance.


Weak footing, inevitable fall: Coming from a lower-middle class household, I was the first woman in my family to graduate from college. With no secure financial foundation, I had to learn things the hard way. Now, my goal is to make up for lost ground and financial setbacks. –AO


Strong beginnings, unexpected difficulties: After an upper-middle class upbringing filled with strong female role models, entering a world full of challenges for women was an abrupt change. Going forward, my goal is to become financially independent with a better understanding of how to overcome difficulties. –ES


Expanding perspective, gaining confidence: Growing up in an environment where women weren’t empowered to succeed financially, I learned that finance was a man’s game. With a lot of research, I gained the confidence to do it myself. My goal is to go beyond personal finance basics to become a money management pro. –CM

Despite our different backgrounds, we have the exact same goal: learning to thrive financially – not just survive.

What’s to come

If you struggle to take charge of your own finances or haven’t even thought about it yet, you’re not alone. That’s why we’re inviting you on this journey with us.

In this series, we will share financial advice by women, for women. Women face a unique set of financial challenges, and we will offer targeted advice relevant to specific needs. We’ll cover topics such as compensating for the pink tax, steps you can take to close the gender pay gap, how to plan for retirement with a longer average life span and much more.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Credit Card Rate Report Updated: October 21st, 2020
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