01
Treating RSUs Like a Bonus Instead of a Concentrated Risk
The moment RSUs vest, you own a concentrated position in a single stock — the same company whose paycheck you already depend on. That's double exposure.
02
Under-Contributing to Retirement Because "The Bonus Will Cover It"
A dollar not invested at 38 costs far more than a dollar not invested at 48. The compounding math is unforgiving — and the 401(k) gender gap proves it.
03
Holding Too Much Cash While Inflation Quietly Erodes It
A $200K emergency fund feels safe. But at 4.5% HYSA yield with 3% inflation, your real return is negligible — and may even be negative.
04
Having No Plan for the Motherhood Earnings Penalty
Mothers working full time earn 31% less than fathers. The average woman loses more than $500,000 in lifetime earnings from the economic impact of becoming a mother.
05
Skipping Disability Insurance Because "That Won't Happen to Me"
You've insured your car and your home. But have you insured your most valuable asset — your ability to earn $300K+ for the next 25 years?
06
Waiting to Invest Until You Feel Ready
Only 54% of women feel confident making investment decisions — yet women outperform male investors by 0.4–1.8% annually. The confidence gap is costing you real money.
07
Missing the Mega Backdoor Roth Opportunity
Most high earners max their 401(k) and stop there. But the Mega Backdoor Roth allows up to $72,000 annually in tax-free growth — and most eligible employees have no idea it exists.
08
No Estate Plan at 40, Even With Significant Assets
Without one, state law decides where your assets go, who raises your children, and who makes medical decisions for you. 67% of Americans with significant assets have no will.
09
Letting a Partner's Financial Avoidance Become Your Risk
Women who have ceded financial decision-making to a partner often discover significant problems only during a crisis — when options are most limited.
10
Working With a Financial Advisor Who Doesn't Speak Your Language
An advisor who doesn't understand RSU vesting, OTE compensation, or the gender pay gap cannot give you the best advice. Generic advice produces generic results.
