Who saves more—men or women? The data shows men tend to have higher savings levels, but it’s not a simple issue of discipline. In 2025, men contribute an average of $2,352 per month into savings, while women contribute $1,825—about 78% of men’s rate. Yet women’s saving expectations are even lower; they aim to save just 53% of what men plan to save this year. Compounding the challenge, women frequently report dissatisfaction with their savings—40% of women vs. 28% of men say they’re very or completely dissatisfied—and 53% of women say they saved less in 2024 than in 2023, compared to 42% of men.

So why does this gap exist? Structural and systemic factors, not willpower, are the real culprits. Women earn significantly less—roughly 85% of what men make—which constrains their ability to save. They're more likely to face career interruptions due to caregiving roles, leading to lost income and missed retirement contributions. Additionally, savings behaviors suggest women may actually be more cautious: they’re more likely to curb spending even though fewer report being financially well-off. Intriguingly however, when women do invest, they often outperform men—thanks to a more conservative and thoughtful investing style.

At XML, we believe in changing the narrative. Our XML Women Division is committed to bridging these gaps by offering financial literacy and planning tailored specifically for women. The newly relaunched division provides holistic support—everything from budgeting and investing guidance to debt management and family financial planning through webinars, mini-guides, and online tools.

Have questions about how these insights and ideas could impact your personalized wealth management strategy? Let’s talk.

This communication is for information and educational purposes only. This is not a recommendation for the sale or investment in any product or strategy or to be perceived as individual advice. Information presented has been prepared from sources believed to be reliable but is not guaranteed and does not represent all available data necessary for making investment decisions. Economic and market forecasts presented herein reflect a series of assumptions and judgments as of the date of this presentation and are subject to change without notice. Forecasts do not consider the specific investment objectives, restrictions, tax and financial situation or other needs of an individual. Actual data will vary and may not be reflected here. Accordingly, these forecasts should be viewed as merely representative of a broad range of possible outcomes. The opinion expressed by this individual is based on facts and circumstances known at this time, is subject to change and does not reflect the opinions of all financial professionals of XML.