Insights From The 2025 Women & Money Report

In the summer of 2025, we analyzed a subset pool of our audience and received 591 responses from women in the Clever Girl Finance community to understand how women today feel about their finances: what’s working, what’s challenging, and what’s changing. This survey examined demographics, geographic location, overall financial wellness, personal debt, and more. The findings offer powerful insights into women’s confidence, concerns, and financial progress.

Who we are

Clever Girl Finance is one of the largest personal finance media/education platforms for women in the U.S. We are a mission-driven company aimed at providing women with much-needed practical advice, financial guidance, and support.

We do this through our over 30+ completely free personal finance courses(which include free one-on-one mentor calls), 40+ free worksheets, 1-on-1 coaching calls, articles, podcast, YouTube channel, the Clever Girl Finance book series and an incredibly supportive online community.

Our mission is to provide women with the education, tools, and encouragement they need to build real wealth and achieve financial wellness on their own terms. We provide access to relatable financial content designed to help women take charge of their money without shame or judgment.

Changing the narrative to accurately reflect today’s truths about women and money

Since our first survey in 2020, our goal has been to spotlight the voices of women navigating their financial journeys. The mainstream narrative often paints women as disengaged or disempowered when it comes to money, but our data tells a different story. Women are actively budgeting, saving, investing, and striving toward financial independence.

Over the years, Clever Girl Finance has supported thousands of savvy women who are boldly pursuing their financial goals. We see their labor of love in building solid futures for themselves and their families. And we know the big role that financial literacy plays in shifting their mindsets and financial outcomes.

The women behind this survey

The overwhelming majority of women who took part in this survey are based in the United States (71.7%), followed by Africa (9%), Europe (7.3%), and Canada (7.1%). However, we also received responses from Latin America, Asia, Australia, and the Caribbean, representing a diverse pool of women from a wide range of geographic and economic backgrounds.

50.6% of respondents self-identified as Black or African American, 35.7% as White/Caucasian, 9.6% as Hispanic/Latina/Spanish origin, 5.6% as Asian, 1.7% as Native American, and 0.5% as Native Hawaiian or Other Pacific Islander. An additional 4.2% selected “other,” and 0.5% selected “unknown.”

That said, it really doesn’t matter what your age, race, income level or marital status are. Anyone can and should pursue a better financial future. Not only is it the right thing to do; it's also very possible.

Our commitment to women and money

We’re committed to walking this journey with women, and in this survey and through our findings, we want to celebrate our community as they work their way towards their financial wellness despite any financial hardships, motivate other women needing encouragement as they embark on their financial journeys and dispel the misconceptions about women and money.

To get the full details, download the report today!