In Australia, women approaching retirement have about 23% less superannuation than men. As a figure that means approx. a $17 Billion gap, and it’s currently being investigated by the Australian government to understand how the gap has gotten so great. To reflect upon how the gap has occurred, it’s seems glaringly obvious.In Australia, currently there is a 12% gender pay gap within the work force, meaning that on average in a fulltime job, for every dollar a man earns, a woman earns .88cents.Then to account for the unavoidable biology, women are out of the work force for extended periods of time during their child bearing years, with a staggering majority not returning to full time work due to undertaking the carer role of their children, if not additionally, their ageing parents.And to top it off, in Australia, 1 in 10 women leave the workforce due to unmanageable peri-menopause or menopause symptoms that can start to occur in their 40’s onwards.In review, when you summarise the above of forced time out of the workforce versus earning capacity, it’s clear it is limited, especially in comparison to a males ability to work continuously if he so chooses. That’s where Rebecca Pritchard, an Award Winning Senior Financial Planner at Rising Tide Leading Financial Experts strongly advises women to review their position, including doing the due diligence that’s needed to split their partners superannuation. When asked the question about what is the point in practical terms, as if their partner passes away or they divorce, it will ultimately be equalised, Rebecca responded with “women need to start valuing our moral equity!”. If our wages are unequal and our working capacity is limited due to child bearing, and then the majority are undertaking the carer role where there is no financial value placedand it inhibits earning capacity, then how does all of that effect our self worth if society and the financial world doesn’t place value on it? In the broader picture and financial world, the system and structure hasn’t placed equitable value on a woman’s time out of the workforce, or the carer role, but change is coming with the Australian Government announcing taxpayers taxes will fund superannuation payments on paid parental leave, and that’s a good place to start. But we speak with Rebecca on the broad picture of how the value of adollar can hold a value on your sense of self, so if you can make financial and administrative changes in your personal money management, it could shift the value you place on your contribution to your household, and in-turn build your financial and emotional self worth.   Rebecca Bull – Creator / Executive Producer / Co-Host Zoe Weir – Co-Creator / Co – Host Sophie Jackson – Producer  Social Media – Naughty Nancy Social Media Agency Website / Brand Design – Foster Creative Video Editor – Luke Morgan See omnystudio.com/listener for privacy information.