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Own your worth – Pulse 2023
Wealth and the single woman
The opportunities and challenges of being in financial control
The latest Own your worth – Pulse report looks at high-earning single women in the US. We found that most single women embrace financial control and take pride in managing their own finances. Yet, 67% say they’re worried about getting the right financial advice.
Download the report (PDF)
Own your worth 2023
Tradition, trust and time
The challenges women breadwinners face embracing their financial clout
Women are contributing more to their families’ incomes than ever before. In our latest survey, we found that nearly one-third of US women in heterosexual couples are the primary breadwinner. Yet many women breadwinners remain less engaged than men breadwinners in decision-making about the money they’ve earned. Why?
We look at the reasons for this disparity between women and men breadwinners and how financial participation, comprehensive planning and the support of financial professionals can help correct this imbalance.
Download the report (PDF)
Our latest insights
Women breadwinners are less likely than men breadwinners to decide where their earnings go
% who say they handle the following somewhat or much more
Women primary earners
Men primary earners
Investments
Paying bills
Financial planning
Chart explains the percentage of women primary earners and men primary earners who handle short- and long-term financial decision somewhat or much more. Women primary earners handle investments 52%, bill paying 51% and financial planning 48%. Men breadwinners handle investments 83%, bill paying 79% and financial planning 78%.
Women are less comfortable than men being the primary breadwinner, but more so in same-sex couples
I prefer being the breadwinner
% of primary earners who agree
Women in heterosexual couples
Women in same-sex couples
Chart shows who prefers being the primary breadwinner in a couple by percentage: women in heterosexual couples 49%, women in same-sex couples 65% and men in heterosexual couples 87%.
Women are more engaged in childcare and household responsibilities
% who say they manage the following somewhat or much more
Women primary earners*
Men primary earners**
Childcare
Laundry
Cooking
Cleaning
*92% of spouses employed; 8% not
**60% of spouses employed; 40% not
Graph shows the percentage of women primary earners and men primary earners who manage household responsibilities somewhat or much more. Women primary earners manage childcare 55%, cooking 51% and cleaning 48%. Men primary earners manage childcare 31%, cooking 31% and cleaning 34%.
Download the full report (PDF)
Together we can help you pursue what’s important
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Own your worth 2022
Women on purpose
Values, money and the pursuit of more intentional lives
In the last few years, the world has changed in fundamental ways. Everyone has a point of view about those changes, but we can all agree it’s been a catalyst for reevaluation on every level. We discovered, for women especially, it has stirred a desire to focus on a greater sense of purpose. Here’s how.
Download the report (PDF)Women on purpose
Our insights
Women are making deliberate choices to achieve their purpose
Nearly 9 in 10 believe money is a tool to effect change
This is reflected in their current actions, as a large majority of women have been involved in both charitable giving and volunteering over the past year. They are also using their purchasing power and career choices to make an impact.
The vast majority of women recognize the power of financial engagement
agree that being involved in long-term financial planning can enable a greater impact
The majority of women agree that money is a tool that can be used to help fulfill their purpose. And 82% believe they can pursue a more meaningful life without having to sacrifice their own financial well-being.
Download the report (PDF)Women on purpose
Download the report highlights (PDF)Women on purpose
Own Your Worth Women's Forum
The launch of our newest research, Women on Purpose, included a special forum, spotlighting how exceptional women are using their financial clout, time and purchasing power to lead purpose-driven lives through innovative social impact, strategic giving and enlightened advocacy.
Introduction
Women on Purpose introduction
Paula Polito, Vice Chairwoman, UBS Global Wealth Management with Dr. Elizabeth Dale, PhD, professor of philanthropic studies and nonprofit leadership, introduce groundbreaking findings of newest Own your worth report.
The Innovators
The Innovators
Asha Curran, Co-founder and CEO of GivingTuesday, and Alison Moore, CEO, Comic Relief US, on being frontline philanthropy innovators.
The Entrepreneur
The Entrepreneur
Komal Ahmad, Founder of Copia, on how she is using technology to solve hunger and food waste across North America.
The Leader
The Leader
Melissa Beste, Akris Global CEO, on purposeful leadership.
The Real MVP
The Real MVP
Dr. Wanda Durant on why she’s an MVP of giving.
The Magnifiers
The Magnifiers
Andine Sutarjadi, Asian Women Giving Circle Steering Committee and Deborah McManus, Co-founder, WellMet Philanthropy on the power of giving circles.
The Torch Bearer
The Torch Bearer
Marlo Thomas, award-winning actress and humanitarian, on a lifetime of giving as the fundraising force behind St. Jude Children’s Research Hospital.
Research and insights
This is just the latest of our ongoing efforts to explore the evolving relationship between women and money.
See below for a complete list of our previous Own Your Worthreports as well as additional research.
- 2021 reportDownload pdf
- 2020 report
- 2019 report
- 2018 report
- Investor Pulse: Women and COVID
- Singles‘ report
- Women and Legacy
- Women and Investing
- Women’s Wealth 2030: parity power and purpose
- The funding gap: Investors and female entrepreneurs
- My financial confidence workbook
Financial participation
Tips and tools, without jargon or complexity, starting with a quiz that identifies each person’s money language and ideas for how to begin your financial journey.
Money Move Quiz
Money Move Quiz
What's your money language?
We all know one size does not fit all, and that goes for your financial planning too. Learn your language and make the money move that’s right for you. Don’t worry, we’ve got some ideas.
Take the quiz
Top 10 Money Moves
Welcome to the money table
You belong in this seat, and you're just getting started. Big or small, your next money move takes you even further. Money moves are action steps that get you involved with your finances, and we have plenty for you to choose from. Wherever you are, there's a money move to make. So, let's get started.
You can't make your dream come true if you don't know what it looks like. Figure out what truly matters to you, and what you want in your future.
These are the moves that keep you moving. They have a positive ripple effect across everything you do, and set you up for larger decisions.
Make these moves today for the life you want tomorrow. A little bit of action now could grow and build, paying off later (in a big way).
Tips
When you're moving cash forward you may need cash to fall back on.
Consider saving and keeping some cash for an adequate emergency fund.
Money Talk
When you open the lines of communication early and often, money talks don’t have to be contentious. UBS research shows that partners who share financial decisions feel more positive about the future and less anxious about money.1
1UBS Investor Watch,Own Your Worth, 2019
Cash Cushion
If you need to help care for someone else down the road, you may want to increase your cash to cover their needs as well. Contact a Financial Advisor to help you plan.
Money talk guides
Money talk guides
Our fill-in-the-blank money talk guides are the perfect way to organize your thoughts when it comes to commonly avoided conversations. Start planning now.
Kickstart guides
Money Beliefs
These conversations are tricky. You and your partner may have different ideas about what you want your money to do, both now and after you're gone. If you understand why your partner feels differently, it will be easier to come to an agreement. Use this Kickstart Guide to help start a conversation that gets to the root of both your values.
Download the guide (PDF)
New Financial Goals
It’s time to reevaluate how your financial goals fit with the goals you have for your life. Meeting with a Financial Advisor can help you build a comprehensive plan and remove some anxieties around the unknown. Here is a list of questions to talk with a Financial Advisorabout right now:
Download the guide (PDF)
Financial Dreams
Dreaming about what you want your money to do can be fun. Use this Financial Dreams Kickstart Guide to get going.
Download the guide (PDF)
Women and wealth events
Highlights from women who share what they’ve learned about relationships, money, financial empowerment and investing in yourself.
Own Your Worth Event Highlights
Check out highlights from some ofour recentOwn Your Worth events with names you might recognize.
Ivy McGregor
Ivy McGregor, Global Impact Leader and Executive Director of BeyGOOD Foundation, shares her inspiring story and her career as a global leader in philanthropy and social enterprise.
Lifting as we Climb
A special conversation on Women in Leadership with three trailblazing women.
Women on Purpose
Click here to view highlights and replays of the 2022 Women on Purpose Forum in NYC
IWD event
International Women’s Day
A special message celebrating the economic, political and cultural progress made by women.
Real life, real stories
Real life, real stories
Candid conversations about the benefits of equal participation in financial matters—and the costs of not being involved.
Own Your Worth video series
- Why do women defer long-term financial decisions?
- Why do men lead on long-term financial decisions?
- The benefits of equal partnership
- The costs of not being involved
- Lessons learned
- Male allyship
Paulina Porizkova
Love and money do mix, with Paulina Porizkova
Career. Marriage. Motherhood. Divorce. Widowhood. Model and author Paulina Porizkova has seen it all, and shares her advice for making sure youare taking control of your finances.
Michelle Williams
Breaking through
Former Destiny’s Child singer and Grammy Award-winning megastar Michelle Williams talks about overcoming mental health challenges to gain clarity across every aspect of her life.
Hear some of the powerful and personal insights revealed in her new book, Checking In.
Her story could help you or someone you know.
Laura Dern
Touching audiences, changing Hollywood with Laura Dern
Oscar Award-winning actor and producer Laura Dern shares how her fight for equal pay is breaking the glass ceiling in Hollywood, and how she talks money with her daughter.
Own Your Worth 2020
Own your worth 2020
An all-star line-up—featuring Billie Jean King, Lisa Leslie, Paula Polito, Paulina Porizkova, Elaine Welteroth and Dr. Jill Yavorsky—shares their own stories of money, power and resilience.
Explore more
UBS Wealth Way
Your wealth is about more than stocks and investing. It’s about you.
Sustainable/Inclusive Investing
Reimagine the power of people and capital to create a world that’s fair, sustainable and allows everyone the opportunity to thrive.
Family Advisory & Philanthropy
We help make it simpler for you and your family to manage your philanthropy and maximize your impact.
Optimus Foundation
Impactful philanthropy—we deliver breakthrough solutions to pressing social and environmental issues.
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Expiration:6/30/2024 Approval date:6/12/2023 Review Code:IS2303665
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