Top 3 Personal Finance Myths That Hold Women Back

Let’s just stop right here.

This might be the most deep-rooted of all the personal finance myths, and it’s one that cuts right to the soul. Somewhere along the way, society decided that men were the “money people” — the investors, the breadwinners, the financial decision-makers. And women? We were cast in the supporting roles — the budgeters, the coupon clippers, the ones who “just don’t get numbers.”

But here’s the truth: money is not male. Money is energy. It’s a dynamic, flowing force — the energy of exchange, nourishment, abundance, and well-being.

Sound familiar?

That’s right. Those are feminine energies. In fact, if you dive deep into ancient wisdom, money aligns more with the divine feminine than the rigid structures of the masculine. Lakshmi, the goddess of wealth and abundance in Hindu tradition, isn’t some stern banker in a suit — she’s the embodiment of beauty, grace, flow, and prosperity.

So no, money is not a male thing. That’s one of the most harmful personal finance myths out there. It's just that the financial industry was built in a man’s image — logical, hierarchical, and often intimidating. But that doesn’t mean it’s the way. It’s just one way. And we’re here to explore your way.

Sister, if I had a dollar for every time I heard this one...

This personal finance myth has become so normalized that many women say it like they’re announcing their coffee order. “Oh, I’m not good with numbers. I’ll let my partner handle that.” Or, “I’m a creative — spreadsheets scare me!”

But let me ask you this:

Did you figure out how to manage a household? Raise kids? Navigate relationships, work schedules, meals, moods, and a never-ending to-do list?

Then you’re already handling a TON of complex variables every single day. You don’t need to be a math whiz or love Excel to get a handle on your money. You just need a system that speaks your language — and the willingness to take that first baby step.

Women are natural organizers, intuitive decision-makers, and master multitaskers. Numbers? They're just data. And data is power. Once you shift your mindset from “I’m bad at this” to “I can learn this — on my terms”, the fog starts to lift, and confidence rolls in.

Let’s kick this personal finance myth to the curb. Your brain is more than capable — and your heart already knows that your financial future is worth investing in.

Now, let’s tackle the most dangerous personal finance myth of them all.

This is the one that whispers, “You don’t know enough. Let someone smarter do it.” It’s rooted in fear — the fear of making a mistake, of losing money, of looking stupid. But here’s the thing: no one cares about your money more than you do. Not your advisor. Not your bank. Not your partner. Not even the fund manager with three Ivy League degrees.

That doesn’t mean professionals don’t have valuable knowledge — they absolutely do. And yes, there are times when working with a financial pro can be helpful and empowering. But the responsibility? That still sits with you.

When things go sideways (and they sometimes do), your advisor doesn’t carry the emotional or financial impact — you do. That’s why delegating without understanding is a dangerous game.

Let’s break this personal finance myth and say it loud: You are the best steward of your wealth.

These personal finance myths aren’t just stories — they’re systems. Systems designed to keep women disempowered, confused, and disconnected from our own financial power.

But when you begin to unravel these lies — when you start to learn, apply, and trust — something beautiful happens.

You rise.

You rise into the role of wise steward, conscious investor, and empowered money goddess.

Until next time, keep mastering your money game with ease and grace, like a dame!

With love,

~Viktoria