Top 5 Money Hurdles for Women

Hey there, ladies! 

Today, let’s dive into a topic that affects us all: money. As women, we’ve come a long way in our pursuit of financial independence, but there are still some unique hurdles we face. In Australia, these challenges are particularly pronounced. In this blog post, we’ll explore the top five money hurdles for women Down Under and discuss strategies to overcome them. So grab a cuppa and let’s get started!

Gender Pay Gap:

Unfortunately, the gender pay gap persists in Australia, despite significant progress. On average, women earn around 14% less than their male counterparts. This disparity not only affects our current earnings but also has long-term implications for our retirement savings and financial security. It’s crucial to advocate for equal pay and negotiate fair salaries to bridge this gap.

Superannuation Gap:

Speaking of retirement savings, here’s hurdle number two: the superannuation gap. Due to career breaks, part-time work, and lower wages, women often accumulate less superannuation (or pension) savings than men. As a result, we face a higher risk of financial insecurity in our golden years. It’s essential to prioritize our superannuation contributions, seek professional advice, and consider strategies such as salary sacrificing to catch up.

Lack of Financial Literacy:

Money matters can be intimidating, and unfortunately, many women in Australia feel less confident about their financial literacy compared to their male counterparts. This knowledge gap can lead to suboptimal financial decisions, reluctance to invest, and missed opportunities for growth. Let’s take charge by educating ourselves through books, online resources, workshops, and seeking advice from financial professionals. Building our financial knowledge empowers us to make informed choices and take control of our financial futures.

Balancing Work and Family:

Achieving work-life balance is a perpetual challenge for many women, and it directly impacts our financial well-being. Balancing a career with caregiving responsibilities can limit our earning potential and professional growth. As we navigate this juggling act, it’s crucial to explore flexible work arrangements, negotiate parental leave policies, and seek support from our partners, family, and friends. Remember, finding a healthy balance allows us to thrive both personally and financially.

Underrepresentation in Leadership and Entrepreneurship:

Women in Australia are still underrepresented in leadership roles and entrepreneurship, which can hinder our financial progress. Breaking through glass ceilings and shattering gender norms requires perseverance, networking, and mentorship. Let’s support and uplift each other, celebrate our achievements, and work towards creating a more inclusive and diverse business landscape. By encouraging women’s entrepreneurship and empowering each other, we can pave the way for financial success.

Ladies, we may face several money hurdles in Australia, but with the right strategies and support, we can overcome them. Let’s stand together, advocate for our worth, and strive for financial independence. By addressing the gender pay gap, closing the superannuation gap, increasing our financial literacy, achieving work-life balance, and breaking down barriers in leadership and entrepreneurship, we can create a brighter financial future for ourselves and the generations to come.

Remember, financial empowerment starts with us. 

Let’s take control of our finances, pursue our dreams, and embrace our power as women in Australia. 

You’ve got this!

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Hi, I'm Alisha

I coach women (and businesses) how to value themselves and their female talent. I guide women through a process of releasing limiting beliefs, building their personal wealth and how to navigate the parental transition journey to create a truly flourishing life.

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What Bali Taught Me (That I Already Knew But Needed to Remember)

What Bali Taught Me (That I Already Knew But Needed to Remember)

I’m writing this from Bali, somewhere between a freshly squeezed juice, a pool and a wedding.

And something has already shifted. It always does when I genuinely stop.

I want to share what came up. Not because it’s unique to Bali. Because I think it’s available to all of us, if we let it be.

The Last Time I Was Here

The last time I came to Bali I was single, no kids, and deep in a Kundalini yoga and meditation phase of my life. I spent the first half of the trip in full spiritual immersion and the second half, because I’ve always loved a bit of balance, drinking cocktails on the beach and dancing under the stars until the early hours.

Both halves were exactly right for who I was then.

This time I arrived with a husband, two boys, and a wedding to celebrate. And yes, there was still a dance floor involved at some point. Some things are just non-negotiable. 💃🏾

What struck me most wasn’t how different this trip felt. It was how much of me felt exactly the same underneath all of it. The same woman who needs stillness and movement in equal measure. Who finds clarity near water. Who comes alive on a dance floor and also genuinely loves a morning of complete quiet.

Returning to a place at a different point in your life has a way of showing you who you’ve stayed.

What the Quiet Taught Me

When you step away from the noise long enough, things become clear that were impossible to see up close.

For me this trip it was this: I’d let the pace creep back in. Gradually, quietly, the way it always does. The early mornings on the phone. The evenings half-present. The low-level hum of tasks that never quite switched off.

Nothing dramatic. Just the slow drift back toward a version of myself I’d worked hard to move away from.

Bali reminded me of the difference between functioning and flourishing. I’d been functioning beautifully. I hadn’t been flourishing.

That’s useful information. And I wouldn’t have had access to it without stopping long enough to hear it.

What I’m Taking Home

A renewed commitment to the structures I know work for me.

Movement scheduled like a meeting, non-negotiable. Two email windows a day instead of a constantly open inbox. Evenings that belong to my family, not my business. And the regular, protected breaks that make all of it sustainable.

These aren’t new practices. But the trip reminded me what it actually feels like when I honour them. And that reminder is worth more than any new productivity system I could have come home with.

Something Coming in July

I’m coming home with something brewing.

Reset & Rise is on 24 July. It’s a 90-minute online masterclass for women who know something needs to change but aren’t quite sure where to start.

We work through what’s keeping you stuck, what needs to shift, and what the next real step looks like. It’s practical, personal, and it works.

Details dropping very soon. If you want to be first to know, book a Discovery Call and I’ll make sure you hear about it before anyone else.

Book your free Discovery Call here: https://calendly.com/alishawaterman/exploration-session

In joy, Alisha

What Happens When You Actually Stop

What Happens When You Actually Stop

Tomorrow I’m flying to Bali with my family.

And I want to write something honest before I go.

About what it actually feels like to step away. Not the Instagram version. The real one.

The First 48 Hours

I won’t pretend it feels completely natural from the start.

There’s always a low-level restlessness in the first couple of days. A quiet voice asking whether something important needs you. Whether things are okay without you.

I’ve learned not to fill it. Not to manage it or scroll through it or replace it with productivity.

Just to let it be there.

That’s harder than it sounds. For women who are wired for achievement, stillness can feel almost dangerous. Like falling behind. Like failing. The discomfort of it is real.

But it’s temporary. And what comes after it is worth every uncomfortable moment.

What Comes After

Around day three, something settles.

The thoughts slow down. The background hum of responsibilities quiets. You start sleeping deeply. Finishing conversations without half your attention somewhere else.

And then clarity starts arriving.

Not forced clarity. Not the kind you squeeze out of a journaling session at 6am before the house wakes up. The kind that just shows up when you’ve finally created enough space for it.

This is what real rest does. It doesn’t just restore you to where you were. It recalibrates you. Shows you what you’ve been too close to see clearly.

What I’m Expecting to Find

The last time I was in Bali I was single, no kids, deep in my Kundalini yoga and meditation phase. I spent the first half of the trip in full spiritual immersion and the second half, because balance has always been my thing, drinking cocktails on the beach and dancing under the stars until the early hours.

Both halves were perfect.

This time I’m arriving with a husband, two boys, and a wedding to celebrate. Completely different chapter. Same woman underneath, just with a lot more life packed in since then.

I’m expecting Bali to do what it always does. Slow me down enough to hear myself think. Remind me what I’m doing all of this for. Send me home clearer than when I left.

And I’ll be sharing what comes up when I’m back.

You Don’t Need to Go to Bali

I’m not telling you to book a holiday. I know that’s not available to everyone right now.

What I am saying is that somewhere in your life, there is a version of genuine rest available to you. An hour on a Sunday morning with no agenda. A weekend afternoon you protect from productivity. Ten minutes of actual stillness every day.

The question isn’t whether you can afford to rest. It’s whether you can afford not to.

And whether you believe, in your body not just your head, that you are allowed to stop.

Because for so many of us, that’s the real work.

If this resonated and you’d like to explore what building more space into your life could look like, I’d love to have a conversation.

Book your free Discovery Call here: https://calendly.com/alishawaterman/exploration-session

In joy, Alisha

If Your Business Stops When You Stop, You Haven't Built a Business

If Your Business Stops When You Stop, You Haven't Built a Business

I’m getting ready to step away from my business for a couple of weeks.

And my business will keep running while I’m gone.

Not by accident. Because I’ve built it that way.

This isn’t a post about having it all figured out. It’s about something I had to learn the hard way, and something I think matters for every woman building a business or a career she actually wants to sustain.

The Job vs The Business

If your business stops the moment you stop, it’s not really a business yet. It’s a job that you happen to own.

There’s no judgment in that. Most of us start there. But it’s worth naming, because it points to the work that needs doing.

A business that can run without you for two weeks doesn’t happen by accident. It requires systems, scheduled content, automated processes, clear client communication, and the willingness to trust what you’ve built.

None of that is complicated. But it does require a decision made in advance that your time away is non-negotiable.

Because if it’s not non-negotiable, everything else will fill the space. Everything else is always there.

What the Prep Actually Looks Like

For me, stepping away meant all social content scheduled through Metricool before I leave. Email automations set up to capture enquiries. An out-of-office with a clear return date. Clients briefed on my availability.

Straightforward on paper. But it also required something less logistical.

It required me to actually trust that things would hold without me actively holding them.

That’s the part nobody talks about. The inner work of stepping back. The voice that says what if something goes wrong, what if someone needs me, what if it all falls apart without me there.

That voice is not evidence that you need to stay. It’s evidence that you haven’t yet fully trusted what you’ve built.

And trust, like most things, comes from evidence. From stepping away once and seeing that things held. Then again. And again.

The Deeper Point

Being able to step away is not a sign that you’re not needed. It’s a sign that you’ve built something real.

A business that can travel, that can hold itself while you rest, that doesn’t require your constant presence to function, that’s not a luxury. That’s the goal.

There was a time I would have been stressed out at the thought of leaving for a week. Overthinking, overfunctioning, preparing for every possible scenario, and then not really switching off while I was away because part of me was already bracing for the chaos waiting on my return.

I am genuinely not that person anymore. And the freedom of that is hard to overstate.

What would need to be in place for you to step away for two weeks? That’s a useful question to sit with.

Because you deserve breaks that feel like actual breaks. Not working holidays dressed up as rest.

If you’re ready to build a business and a life that can sustain you, I’d love to have a conversation.

Book your free Discovery Call here: https://calendly.com/alishawaterman/exploration-session

In joy, Alisha

Halfway Through the Year. How Are You Actually Doing?

Halfway Through the Year. How Are You Actually Doing?

June.

We are almost exactly halfway through the year.

And before you scroll past that fact, I want to ask you to sit with it for a moment.

Not to audit your progress. Not to tally up the goals you haven’t hit. But to give yourself a genuine, honest mid-year check-in.

The January Version of You

The intentions you set in January were made by a version of you who didn’t know what this year would bring.

She didn’t know which relationships would shift, which opportunities would arrive, which things would turn out to matter less than she thought.

So before you measure yourself against those goals, it’s worth asking: do they still fit? Are they still the right things for the life you’re actually living right now?

Some will be. Some won’t. Both are completely valid.

A Kinder Way to Check In

Instead of asking did I hit my goals, try asking these three questions.

What am I genuinely proud of from the first half of this year, however small?

What have I learned about myself that I didn’t know in January?

What do I want the second half of this year to feel like?

That last one is the most important. Not what do I want to achieve. How do I want to feel. Because when you know the feeling you’re building toward, the actions become much clearer.

Your Second Half Starts Now

You don’t need to wait for a new year, a new month, or a Monday.

The second half of this year starts right now, with whatever you decide today.

If the first half was harder than you expected, that’s not failure. That’s information. Use it.

If you’ve drifted from the person you wanted to be this year, you haven’t lost her. She’s still available to you. The question is just what small step brings you back.

I’ll be honest with you. There have been moments in the first half of this year where I’ve had to come back to myself too. Where the pace crept back in, where I caught myself running on residual energy again, where I had to deliberately choose to reset rather than push through.

The difference now is that I catch it faster. And I know what to do when I do.

That’s what the work builds. Not perfection. Awareness and the tools to come back.

The second half of this year is yours. All of it.

What’s one thing you want to be true by December that isn’t true today?

Start there.

If you’d like some support figuring out what that looks like for you, I’d love to have a conversation.

Book your free Discovery Call here: https://calendly.com/alishawaterman/exploration-session

In joy, Alisha