I’m grateful to the many people who were generous with their time and expertise in the researching of this book. I’ve tried to credit them in the text, but also want you to be able to follow up and learn more from them on your own.
Gina Aldaz, wealth management advisor, Talis Advisors, Plano, TX
Robin Arzon, vice president of Fitness Programming and head instructor, Peloton, and author of Shut Up and Run
Maggie Baker, PhD, psychologist, financial therapy specialist, and author of Crazy About Money
John Bodnar, CFP, founder/CEO of Bodnar Financial Advisors
Mika Brzezinski, cohost, Morning Joe, MSNBC, and author of Know Your Value
Nancy Butler, CFP, speaker and author of Above All Else: Success in Life and Business
Amy Castoro, president and CEO, the Williams Group, and coauthor of Bridging Generations: Transitioning Family Wealth and Values for a Sustainable Legacy
Lisa Chastain, money coach specializing in millennials and author of Girl, Get Your Shit Together!: Control Your Money, Live Purposefully, and Love Your Life! #Adulting Your Way
Amanda Clayman, financial therapist, Los Angeles
David Clingingsmith, associate professor of economics, Weatherhead School of Management, Case Western Reserve University, Cleveland, OH
Kathleen Cronin, regional outreach and communications coordinator, NJSBDC Bergen County (Small Business Development Center)
Vincent Cucuzza, CFP, Barnum Financial Group, Elmsford, NY
Eric J. Dammann, PhD, clinical psychologist/psychoanalyst and executive coach, New York, NY
William Davis, CFP, Ameriprise Financial, Yardley, PA
Nathan Dungan, founder of Share Save Spend, which helps individuals and families develop healthy money habits that honor their values and enhance their financial well-being
Dan Egan, director of behavioral finance and investing, Betterment
Joe Elsasser, CFP, creator of Social Security Timing software, and managing partner, Sequent Planning, Omaha
Dave Fanger, CEO, Swell Investing
Marlow and Chris Felton, financial advisors and authors of Couples Money: What Every Couple Should Know About Money and Relationships
Jane Wolf Frances, social worker, lawyer, psychotherapist, and author of Parenting Our Parents
Stacy Francis, president and CEO, Francis Financial, New York, NY
Amber Freeman, head of research, Swell Investing
Megan Gorman, managing partner, Chequers Financial Management, and writer, The Wealth Intersection (blog)
Lisa Gould, personal financial consultant and life coach
Michael Hackard, founder, Hackard Law, and author of The Wolf at the Door: Undue Influence and Elder Financial Abuse
Linda Henman, “the Decision Catalyst,” author of Tough Calls: How to Move Beyond Indecision and Good Intentions
Mindy Jensen, community manager of BiggerPockets, author of How to Sell Your Home: The Essential Guide to a Fast, Stress-Free, and Profitable Sale, and cohost of BiggerPockets Money Podcast
Alexander Joyce, retirement planner and president/CEO, ReJoyce Financial, Carmel, IN
Eliot Kaplan, career coach, Westchester, NY, eliotkaplancoaching.com
Michael Kay, CFP, Livingston, NJ, author of The Feel Rich Project: Reinventing Your Understanding of True Wealth to Find True Happiness
Brad Klontz, PsyD, CFP, founder, Financial Psychology Institute, associate professor of practice in financial psychology, Creighton University Heider College of Business, and author of Mind over Money: Overcoming the Money Disorders That Threaten Our Financial Health
Les Kotzer, wills and estates lawyer, and author of The Wills Lawyers: Their Stories of Money, Inheritance, Greed, Family, and Betrayal
Abe Lee, real estate agent, broker, real estate educator, and developer, Honolulu, HI
Joy Loverde, eldercare industry consultant and author of Who Will Take Care of Me When I’m Old?
Christine Luken, “financial lifeguard,” financial coach, and author of Money Is Emotional: Prevent Your Heart from Hijacking Your Wallet
Larry Mandelker, estate and trusts lawyer, Seyfarth Shaw, New York, NY
Elle Martinez, creator and host, Couple Money website and podcast, and author of Jumpstart Your Marriage and Your Money: A 4-Week Guide to Building Wealth Together
Shannon McCracken, chief development officer, Charity Navigator
Lance McHan, former real estate appraiser and investment property owner, and current real estate agent, Stockton, CA
Tracie McMillion, CFA, head of global asset allocation strategy, Wells Fargo Investment Institute
Ryan McPherson, CFP, Atlanta
Eric Meermann, CFP and EA, Palisades Hudson Financial Group
William Meyer, founder and managing principal, Social Security Solutions
Sarah Newcomb, senior behavioral scientist, Morningstar, and author of Loaded: Money, Psychology, and How to Get Ahead Without Leaving Your Values Behind
Cady North, CFP, CEO, and financial advisor, North Financial Advisors, Washington, DC
Michael Norton, professor of business administration, Harvard Business School; member, Behavioral Insights Group, Harvard; and coauthor of Happy Money: The Science of Happier Spending
Susan Oleari, Chicago regional president, Bank of Montreal
Una Osili, professor of economics and associate dean for research and international programs, Lilly Family School of Philanthropy, Indiana University
Kate Paine, owner, Standing Out Online, and former executive director, Women Business Owners Network, Vermont, 2010–2013
Scott and Bethany Palmer, a.k.a. “the Money Couple”
Lauren Papp, professor of human development and family studies, University of Wisconsin–Madison
Fran Pastore, founder, president, and CEO, Women’s Business Development Council
Leisa Peterson, CFP, business strategist, money coach, and host of the podcast Art of Abundance
Deborah Price, founder, the Money Coaching Institute, and author of The Heart of Money: A Couple’s Guide to Creating True Financial Intimacy
Marc Prosser, cofounder, FitSmallBusiness.com
Bruce Purdy, acting assistant administrator, Office of Women’s Business Ownership, SBA
Cari Rauch, life and money coach
Victor Ricciardi, assistant professor of financial management and behavioral finance and risk expert, Goucher College
Ellen Rogin, CFP, Northfield, IL
Carolyn Rosenblatt, elder law attorney and mediator with a background in nursing; founder, AgingParents.com; and author of The Family Guide to Aging Parents: Answers to Your Legal, Financial, and Healthcare Questions
Belinda Rosenblum, CPA, financial strategist at OwnYourMoney.com
Gena Rotstein, philanthropic wealth advisor, Karma & Cents, social impact lab, Calgary
Gretchen Rubin, author of The Happiness Project and cohost of the podcast Happier with Gretchen Rubin
Mary Jo Saavedra, gerontologist, aging life care manager, and author of Eldercare 101
Carolyn Saunders, head of pensions and long-term savings, Pinsent Masons, London
Carrie Spaulding, career and relationship coach, the Thirtysomething Coach, carriespaulding.com
Barbara Stanny, speaker, money/wealth coach, and author of Overcoming Underearning, Secrets of Six-Figure Women, and Prince Charming Isn’t Coming
Kristin Sullivan, CFP, Denver, CO
Denise Supplee, Realtor, property management specialist, real estate investment educator, operations director, and cofounder of SparkRental
Alexandra Taussig, senior vice president, women and investing, analytics, marketing & communications, Fidelity Investments
Jacquette Timmons, financial behaviorist, and president and CEO, Sterling Investment Management
Cindy Troianello, financial coach and author of Money Smart Happy Heart: Have the Happiness Money Can’t Buy and the Big Things It Can!
Susan Turnbull, founder and principal, Personal Legacy Advisors, and author of The Wealth of Your Life: A Step-by-Step Guide to Creating Your Ethical Will
Mikelann R. Valterra, certified money coach and accredited financial counselor, and cofounder of MoneyMinderOnline.com
Laura Vanderkam, author of I Know How She Does It: How Successful Women Make the Most of Their Time and All the Money in the World: What the Happiest People Know About Getting and Spending
Sharon Vornholt, real estate investor and author of Louisville Gals Real Estate Blog (LouisvilleGalsRealEstateBlog.com)
Patrick Wanis, PhD, human behavior and relationship expert, Miami, FL
Judith Ward, CFP, T. Rowe Price
Karen Southall Watts, “professional encourager,” entrepreneurial coach, and author of Ask and Achieve: Questions in the Middle of a Woman’s Life
Tensie Whelan, director, NYU Center for Sustainable Business, and clinical professor, business and society
Nicole Wipp, elder law/estate planning principal attorney and founder, Family & Aging Law Center, Milford, MI
Fewer women ask for business financing (Fundera, May 2017), https://www.fundera.com/blog/the-state-of-online-small-business-lending-q2-2016
Opportunity versus Necessity Entrepreneurship: Two Components of Business Creation, https://siepr.stanford.edu/sites/default/files/publications/17-014.pdf
Women business owners and borrowing: https://bschool.pepperdine.edu/news/2017/11/women-business-owners-struggle-get-business-loans-inc/
Raising Kids Who Launch: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/Family-Finance-Study-Executive-Summary.pdf
“Women Feel Less Safe Than Men in Many Developed Countries,” Gallup, http://news.gallup.com/poll/155402/women-feel-less-safe-men-developed-countries.aspx
“Sex Differences in Physician Salary in US Public Medical Schools,” JAMA, https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2532788
“Women and Money in Australia: Across the Generations,” Rozlin Russell, Jozica Kutin, Rachael Green, Marcus Banks, Amalia Di Iorio, RMIT University, 2016
The Allianz Women, Money, and Power Study, Allianz Life, https://www.allianzlife.com/about/news-and-events/news-releases/Women-Money-and-Power-Study
“Are Women More Emotional Than Men?,” Psychology Today, www.psychologytoday.com/blog/sexual-personalities/201504/are-women-more-emotional-men
Sharing Bank Accounts, Bankrate: http://www.bankrate.com/personal-finance/credit/money-pulse-0517/
Financial Infidelity, CreditCards.com: https://www.creditcards.com/credit-card-news/financial-infidelity-cheating-poll.php
Retirement Smile Curve, Morningstar: https://corporate.morningstar.com/ib/documents/MethodologyDocuments/ResearchPapers/Blanchett_True-Cost-of-Retirement.pdf
Long-Term Health Care Costs, Fidelity: https://www.fidelity.com/viewpoints/retirement/retiree-health-costs-rise
Consumer Spending, Bank of America: https://promo.bankofamerica.com/friendsagain/assets/images/BOA_2017-Trends-in-Consumer-Mobility-Report_Wave3-V7.pdf
Women and Money, Fidelity: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/women-fit-money-study.pdf
Long-Term Care Insurance Costs, American Association for Long-Term Care Insurance: http://www.aaltci.org/news/long-term-care-insurance-association-news/long-term-care-insurance-prices-drop-aaltcis-2018-price-index-reports
Finland/UK Study on Social Groups: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4852646/
Keeping Up with the Joneses, Morningstar: http://www.morningstar.com/lp/the-comparison-trap
Value of an Advisor, Morningstar: https://corporate1.morningstar.com/uploadedFiles/US/AlphaBetaandNowGamma.pdf
Value of an Advisor, Envestnet: http://www.envestnet.com/content/docs/capital-sigma-sources-advisor-created-value
Value of an Advisor, Vanguard: https://advisors.vanguard.com/iwe/pdf/FASQAAAB.pdf
Women-Owned Businesses, American Express: https://www.americanexpress.com/us/small-business/openforum/articles/women-owned-firms-springing/?linknav=us-of-keywords-findmore-findmore-stateofwomen-ownedbusinessesreport-article
David Clingingsmith Research: http://faculty.weatherhead.case.edu/clingingsmith/NEIW.pdf
Daniel Kahneman Research: http://www.pnas.org/content/107/38/16489.full
The Emotional Impact of Having Money in the Bank: https://www.ncbi.nlm.nih.gov/pubmed/27064287
Michael Norton on Prosocial Spending: https://happylabubc.files.wordpress.com/2014/02/dunn-aknin-norton_prosocial_cdips.pdf
Couples and Money, Money magazine: http://time.com/money/2800576/love-money-by-the-numbers/
Mom Spending Guilt, BabyCenter: https://www.babycenter.com/0_moms-and-money-how-to-beat-spending-guilt-financial-stress-a_2422237.bc
Stressful Life Events, Fidelity and Stanford University: https://www.businesswire.com/news/home/20170502005877/en/Life-Happens.-Health-Wealth-Connected-Fidelity-Research
Eldercare Conversations, Fidelity: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/Family-Finance-Study-Executive-Summary.pdf
Cost of Care, Genworth: https://www.genworth.com/about-us/industry-expertise/cost-of-care.html
Emotional Stress of Caregivers: http://www.prweb.com/releases/2015/06/prweb12765231.htm
Cost of Informal Caregiving: https://www.rand.org/news/press/2014/10/27.html
Lost Wages, Met Life: https://www.aarp.org/content/dam/aarp/livable-communities/learn/health/metlife-study-of-caregiving-costs-to-working-caregivers-2011-aarp.pdf
Cognitive Impairment: https://academic.oup.com/psychsocgerontology/article/58/3/S179/583380
“Housing America’s Older Adults,” Harvard, http://www.jchs.harvard.edu/research/housing_americas_older_adults
Long-Term Care Expectations, Age Wave: https://mlaem.fs.ml.com/content/dam/ML/Articles/pdf/ML_Finance-Study-Report_2017.pdf
Estate Plans, LexisNexis: https://www.lexisnexis.com/en-us/about-us/media/press-release.page?id=1311095221427043
Having a Will, Caring.com: https://www.caring.com/articles/wills-survey-2017
“Gender Differences in Giving,” ScienceDaily: https://www.sciencedaily.com/releases/2017/10/171009123213.htm
“Waiting for Merlot: Anticipatory Consumption of Experiential and Material Purchases,” Psychological Science, October 2014
“How Your Bank Balance Buys Happiness: The Importance of ‘Cash on Hand’ to Life Satisfaction,” Emotion, August 2016
“Buying Time Promotes Happiness,” Proceedings of the National Academy of Sciences of the United States of America, July 2017
“Prosocial Spending and Happiness: Using Money to Benefit Others Pays Off,” Current Directions in Psychological Science, February 2014
Find a financial therapist: https://www.financialtherapyassociation.org/
Find a lawyer for a prenup: http://aaml.org/
Check your Social Security statement: SSA.gov
Determine a Social Security strategy: SocialSecuritySolutions.com or MaximizeMySocialSecurity.com
Choose a financial planner: Garrett Planning Network, NAPFA.org, XY PlanningNetwork, FPANet.org
Background check an advisor: BrokerCheck.org, PaladinRegistry.com, BBB.org
Calculate your long-term care insurance costs: https://www.genworth.com/long-term-care-insurance/source/make-a-plan/ltc-insurance-cost.html
Keep a time log: http://lauravanderkam.com/books/168-hours/manage-your-time/
Care for an older parent: AARP.org/caregiving (also in Spanish), Eldercare.gov, Caregiver.org, benefitscheckup.org
Find a geriatric care manager: Aginglifecare.org
Create a basic will: LegalZoom.com
Find an estate planning attorney: LegalMatch.com
Vet a charity: CharityNavigator.org, Guidestar.org, BBB.org
Create an ethical will: http://www.personallegacyadvisors.com/store/the-wealth-of-your-life/