A Word of Hope for Women and Their Bad Relationship With Money

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I am often asked what I mean with a “bad relationship with money”?

Relationship is defined as “the mutual dealings, connections, or feelings that exist between two parties”, in this case between a woman and her money.

After 8 years of helping entrepreneurial women set up and run their businesses, I have observed that women have a much harder time than men when it comes to:

• Dealing with their money as wise stewards.
• Connecting to their numbers in a healthy manner.
• Feeling comfortable and at ease when it comes to money issues.

Even in our modern day world, statistics clearly show that most women have a bad relationship with money:

According to a study by Financial Finesse, in which the firm analyzed more than 3,000 responses to an online financial planning questionnaire, men seem to be much more comfortable and confident about money than women are:


Source of Image: The Financial Brand

(Financial Finesse works with companies who offer financial counseling services to their employees. The firm has over 300 corporate clients who have a combined 500,000+ employees.)

The scenario is even more disconcerting when it comes to retirement planning:

ING Women and Retirement Readiness reported in their WISER 2013 Forum that men tend to have higher average account balances across all employer retirement plans. The gap gets wider with age – women who are 70+ years have less than half the balance of men the same age.

Quite an alarming fact, if you consider that:

• 80-90% of women will be solely responsible for their finances at some point in their lives- mainly due to divorce and the fact that on average women outlive men by seven years (National Center for Women and retirement research)

• Even though women have a longer life expectancies, when asked how much they were aiming for in retirement savings, women aimed lower, with a median goal of $200,000 versus $400,000 for men. (Retirement Fitness Survey 2010)

• The average age of widowhood is 55 years old. (US Census Bureau)

• The average woman spends 15% of her working years outside of the workforce caring for children and elderly parents compared to the average man’s 1.6%. (Women’s Institute for a Secure Retirement and National Center for Women’s Retirement Research)

• Nearly two-thirds of U.S. women ages 40 to 79 have already dealt with a major financial “life crisis,” such as job loss, divorce, the death of a spouse, or serious illness. (AARP, “Understanding Women’s Financial Needs and Behavior,” 2007 survey.)

Women are clearly faced with an enormous challenge when it comes to money. Fewer than two in 10 women feel “very prepared” to make wise financial decisions. Half indicate that they “need some help,” and one-third feels that they “need a lot of help.” (Financial Experience &Behaviors Among Women 2010−2011 Prudential Research Study)

But there is hope in the face of these alarming statistics! God our Provider never intended for us to stress out about money!

When God described an accomplished entrepreneur in His Word, He used the example of a woman, not a man. Moreover, she was everything that is culturally required of a woman today—good mom, great wife, savvy professional—AND a successful steward over money. (See The Virtuous Woman, The Book of Proverbs, Chapter 31:10-31)

(I extensively cover that topic in my book “The Sleeping Queen”! )

In my opinion she is God’s epitome of womanhood, never imposed on us as an impossibly high standard, but the true expression of the heartfelt intention from a loving Father to His queen daughters.

As in all other areas of our lives, we can receive His promises by faith in Him and Jesus’ finished work on the cross.

His Word assures us that He will take good care of us:

My God shall supply all your need according to His riches in glory by Christ Jesus. (Philippians 4:19)

If you have a bad relationship with money and you need wisdom for your financial situation today, stop stressing and spend time nurturing the most important relationship in your life!

Go to your Creator, the source of all provision and wisdom, and bask in His unconditional love for you. He will reassure you in His love and give you wisdom to make the right decisions for your future.

Once you have stirred up your faith to receive His supernatural grace, peace and provision, you’ll be ready to lay out a practical plan for your finances, under the guidance of the Holy Spirit!

Never underestimate the power of God’s love for you! Let Him surprise you with His goodness!

With love,

christian businesswoman





P.S. Do you need to increase your income? It all starts with improving your relationship with money on a biblical and practical basis. Let’s talk about it! Click on this link to apply to one of my complimentary “Money Breakthrough Sessions” and I’ll personally assess your situation and show you how you can improve your finances.



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About The Author

Bettina Langerfeldt

Bettina Langerfeldt is a Transformational Catalyst, Thought Leader and author of the upcoming book “The Sleeping Queen”. Since 2007, Bettina has created a successful online business in the Spanish market. Now she’s taking her inspiring message and expertise to Christian women worldwide. Bettina empowers Christian business women to heal their relationship with money so they can build a thriving business by bringing their divine calling into the marketplace while embracing themselves as “Queens” in their business and life.

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