the jane confidence brief
Timing is Everything
Congratulations. There has never been a better time in modern history to be a woman.
You made it. Now let's make it count.
Focus on the gain
We're finally being included in medical studies. The complete female anatomy was only officially documented last year. We've had the autonomy to apply for credit without a male co-signer only since 1984.
And now this: Australia is on the cusp of an estimated A$5.4 trillion intergenerational wealth transfer, with women expected to control the majority. In the US, US$30 trillion is expected to change hands. The greatest intergenerational wealth transfer in modern history. It is already underway. In our lifetime. To our generation of women.
There has never been a better time to be a woman.
Not because things are perfect. Not because the work is done. But because right now, today, you have access to opportunities your mother didn't, and your grandmother couldn't have imagined.
Ask them. They'll tell you.
And yet, most of us are still looking ahead at the gap. How far we still have to go. How much we don't have yet. How behind we feel.
Here’s what I know…
You cannot build from scarcity. You can only build from what you recognise as already real.
So before we talk strategy, before we talk portfolios, income and next steps, I want you to look back. At how far you've come. At what you've already survived, built, and figured out.
That's not a motivational exercise. That's the foundation.
Financial confidence doesn't start with a number. It starts with a point of view.
And yours starts here: You made it. This is your time. Now let's make it work.
Aim high
Most women are excellent at knowing what they don't want. They can tell you exactly what they're worried about, what they can't afford, what feels out of reach.
Far fewer can tell you exactly what they do want.
Not a vague sense of "more." A number. A life. A specific, unapologetic vision of what financial freedom looks like for them personally.
This is not a small thing. Women have spent generations being told that wanting too much is unbecoming. That ambition needs to be softened. That asking for what you're worth is somehow impolite.
It isn't. It's essential.
So here is your first Jane practice: get specific. Not comfortable-specific. Genuinely, excitedly, slightly-nervously specific.
What do you want your income to be twelve months from now? What is your net wealth target by the end of this year? What does your financial life look like when it's working exactly as you want it to?
Write it down. Not as a wish. As a destination.
Because here is what I know to be true: life is rigged in your favour. But only if you show up and take part.
Make your move
Knowing where you want to go is step one. Step two is telling someone.
There is something that happens when you say a financial goal out loud (or write it in an email, or text it to a friend) that makes it real in a way that keeping it in your head never will. It stops being a daydream and starts being a direction.
So this month, your move is simple:
Write down your number. Your income target. Your net wealth goal. Whatever feels both exciting and slightly terrifying - that's the right number.
Then tell one person. A friend, a partner, a woman in your life who gets it. Say it out loud. Own it.
You don't need a financial plan to do this. You don't need to know how yet. You just need to be willing to claim it.
That's where confidence starts. Not in the knowing. In the claiming.
Until next time
You showed up. That already puts you ahead of most.
Next issue we move into the how - the practical steps that turn your number into a plan. Until then, do the work above. It matters more than you know.
PS. The Jane app is coming. We're building it carefully, because you deserve something built properly. Watch this space.
Julia Scott
Co-Founder, Money by Jane
Information provided by Money by Jane is general in nature and does not take into consideration your personal financial situation. It is for educational purposes only and does not constitute financial advice nor financial product advice in any way. Remember, the value of any investment can go down as well as up. Before acting, you should consider seeking independent personal financial advice that is tailored to your needs from an appropriately licensed or authorised financial adviser. 