Women Don't Struggle with Money

August 07, 2025•4 min read

You Women Actually Struggle With Money—They Just We're Never Taught How to Own It

You Don’t Actually Struggle With Money, You Were Just Never Taught How to Own It

Let’s get one thing straight:

You didn’t start your business to play catch-up with your books, stress about cash flow, or spend hours guessing whether you can afford to pay yourself.

You started it to do meaningful work.
To have more freedom.
To earn more. And keep more.

But somewhere along the way, you started believing that you “struggle” with money.

Maybe someone told you that.
Maybe the numbers felt too confusing.
Maybe the systems felt too heavy.
Maybe you just never had someone teach you the right way.

Here’s what I want you to know:

You don’t actually struggle with money.
You’ve just been expected to thrive in a system that never taught you how.

Let’s Look at the Facts

Most women entrepreneurs are not struggling because they’re “bad with money.”

They’re struggling because they’ve been taught to:

Focus on service, not profit.
Prioritize others, not themselves.
Work hard, not get smart about money.

And the business world? It still assumes we’ll figure it out alone, in the margins of our already-full lives.

But here’s what the numbers really show us:

💸 Cash Flow Is the Silent Business Killer

82% of small businesses fail because of cash flow problems.
60% experience cash flow issues every year.
And while most worry about it, less than half check in on their numbers weekly.
(Source: U.S. Bank, QuickBooks)

That “I made money but still feel broke” confusion?
It’s real. And it's a system issue—not a personal failure.

🧩 The Money Management Gap

43% don’t even use a separate business bank account.
54% don’t have a formal budget.
Nearly half are DIYing finances late at night hoping they’re not missing anything.
(Source: TD Bank, Clutch.co)

Translation: Most of us were never taught how to set up a money system that actually works.

🆘 Business Savings? What Savings?

Only 1 in 4 small businesses could cover 60 days of expenses.
The median small biz cash buffer? Just 27 days.
66% say they’d struggle to access $5,000 in an emergency.
(Source: JPMorgan Chase, CNBC)

This isn’t because you’re reckless.
It’s because most business advice skips over how to manage money once it’s made.

It’s Not About Intelligence—It’s About Access (and the System)

Here’s the thing:
You are wildly capable.

You’re leading, serving, creating, showing up, and growing something meaningful.

But the truth is—women were never given an equal financial starting line.

Let’s talk about it:

Women own nearly 40% of U.S. businesses but receive less than 2% of venture capital funding.
Women earn 82 cents to every dollar men earn—and that gap is wider for women of color.
By retirement, women have about 30% less wealth than men on average.
(Source: McKinsey, U.S. Census, National Institute on Retirement Security)

And if you grew up in a household where money was tight, hush-hush, or filled with stress?

You likely inherited beliefs that aren’t even yours to carry.

This isn’t about shame.
It’s about naming what’s real—and deciding that it ends with you.

You’re not behind.
You’re just the first one in your lineage to change the story.

What Actually Fixes This?

Not more free downloads.
Not another half-filled spreadsheet.
Not Googling “how to pay yourself” at 2am.

👉 The real fix is financial coaching for entrepreneurs—especially women.

Why Financial Coaching Changes Everything

Financial coaching isn’t about restriction or judgment.
It’s about giving you tools, support, and clarity to:

✔ Set up a profit system that fits your personality and business
✔ Pay yourself without the tax-season panic
✔ Understand your numbers (without a finance degree)
✔ Know exactly where your money’s going
✔ Turn income into true wealth
✔ Feel powerful and proactive with your finances

At Freedom Sun, we don’t just teach spreadsheets.

We teach you how to take back your power.

We help you build a business that feels calm, clear, and financially sovereign—so you can make smart decisions, grow confidently, and never wonder if you’re “doing it right” again.