---
title: 47 The 5 Things Every Woman Needs to Know About Money in Their 40's
description: Your 40s are often a decade of everything. Peak earning years, peak spending years, and peak responsibility years, and normally this is all happening at once. You might be raising teenagers, supporting ageing parents, navigating a relationship or separation, and stepping up in your career or business… all while wondering, “Am I actually on track financially?”
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Mar 30, 2026, 12:00:00 AM
# 47 The 5 Things Every Woman Needs to Know About Money in Their 40's
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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Your 40s are often a decade of everything. Peak earning years, peak spending years, and peak responsibility years, and normally this is all happening at once. You might be raising teenagers, supporting ageing parents, navigating a relationship or separation, and stepping up in your career or business… all while wondering, *“Am I actually on track financially?”*
This is the decade where money starts to feel different. For many women, this is the point where they realise they’ve been managing life… but haven’t fully stepped into their financial world.
In this episode, Naomi and Helene break down the five things every woman needs to know about money in her 40s, combining real-life experience, practical strategies, and the mindset shifts needed to move from reactive to intentional when it comes to your finances.
In this episode, we cover:
- Why your 40s are one of the most financially demanding decades of your life
- How major life events like divorce, career shifts, and caring responsibilities impact your finances
- The mindset shift from “I’ll deal with it later” to “I’m in the room now”
- The 5 biggest things that women need to know about money in their 40’s
- Each of these tips has practical tips that can be applied to help you apply it
- Your loving kick up the bum — how to pick one area and take action this week
Pick one area from this episode that resonated with you — cashflow, debt, super, kids’ costs, or protection — and take one action this week.
If you’d like help getting clarity and direction with your money, you can reach out:
naomi@hermoneymatters.com.au
[www.hermoneymatters.com.au](https://www.hermoneymatters.com.au/)
helene@hermindsetmatters.com.au
[www.hermindsetmatters.com.au](https://www.hermoneymatters.com.au/)
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
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Naomi Holmes is a Corporate Authorised Representative of Alethia Partners Pty Ltd (ABN 98 676 423 117), which holds Australian Financial Services Licence (AFSL) No. 557729.
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