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Seven things women need to know about money
关于金钱:女性需要知道的七件事

Ahead of International Women’s Day, experts share inspirational tips on how to transform your finances
在国际妇女节之前,专家们分享了如何改变你的财务状况的鼓舞人心的建议。
This article is the latest part of the FT’s Financial Literacy and Inclusion Campaign
本文是FT金融扫盲与包容运动(Financial Literacy and Inclusion Campaign)的最新部分
The pandemic has transformed our relationship with money, nudging millions of people around the world to think about their safety net, examine their spending and start investing to fund long-term financial goals.
新冠疫情改变了我们与金钱的关系,促使世界各地数百万人考虑他们的安全网,检查他们的支出,并开始为长期财务目标进行投资。
Yet as we approach International Women’s Day on March 8, the narrative about women and money remains deeply depressing.
然而,随着3月8日国际妇女节(International Women’s Day)的临近,关于女性与金钱的叙述仍然令人深感沮丧。
The gender pay gap has widened; our pensions tend to be puny; we live for longer, spend more of our lives caring for others and all of this negatively affects our finances.
性别收入差距扩大;我们的养老金往往微不足道;我们活得更久,花更多的时间照顾他人,所有这些都对我们的财务状况产生了负面影响。
Now the cost of living crisis is adding to our woes, with inflation eating away at cash savings while volatility returns to global stock markets.
如今,生活成本危机加剧了我们的困境,通胀侵蚀着我们的现金储蓄,同时波动性重返manbetx app苹果 股市。
As someone who has been writing about finance for more than 20 years, I worry that focusing on the negatives is a further barrier to engagement. If the financial odds are so stacked against women, should we even bother?
作为一个写了20多年金融文章的人,我担心,把注意力集中在负面因素上,会进一步阻碍人们的参与。如果manbetx20客户端下载 状况对女性如此不利,我们还有必要为此尝试吗?
In the spirit of the 2022 theme “Break the bias”, I want to present some inspirational ideas about money that could shift your mindset. In the seven areas below, hopefully there’s a practical takeaway that women everywhere can act on.
本着2022年妇女节“打破偏见”主题的精神,我想提出一些关于金钱的鼓舞人心的想法,这些想法可以改变你的思维。在以下七个方面,希望有一个实际的收获,任何地方的女性都可以采取行动。
Thanks to the FT’s Financial Literacy and Inclusion Campaign, this article is free to read and share — so if you’re inspired by the expert suggestions below, please pass them on — and feel free to add your own in the comment field below.
多亏了英国《金融时报》的金融扫盲与包容运动,这篇文章可以免费阅读和分享——因此,如果你受到了下面专家建议的启发,请把它们传递下去——请随时在下方的评论区添加你自己的建议。


1. What financial independence feels like

1. manbetx20客户端下载 独立的感觉是什么样的

For all the negativity surrounding women’s finances, I wish we could bottle the biggest positive — the feeling that financial independence gives you.
考虑到围绕女性财务状况的所有消极因素,我希望我们能把最大的积极因素——财务独立给你的感觉——放在最前面来讲。
I would define this as moving from feeling overwhelmed by money to feeling more in control; making your own decisions, setting financial priorities; and developing effective habits like budgeting to help you achieve your goals.
我将其定义为从被金钱压垮到感觉更能控制一切;自己做决定,设定财务优先级;培养有效的习惯,比如做预算来帮助你实现目标。
“The problem is, traditional goals set by older generations [like buying a home] are not affordable for us,” say Margot and Alexia de Broglie, the 20-something co-founders of Your Juno, a new financial education app for Gen-Z women.
“问题是,老一辈人设定的传统目标(比如买房)对我们来说是负担不起的,”20多岁的玛戈(Margot)和亚历克西娅•德布罗意(Alexia de Broglie)表示。她们是针对Z世代女性的新金融教育应用“你的朱诺”(Your Juno)的联合创始人。
For the app’s users, financial independence is about “having freedom over your time”. The topics younger women most want to learn about are investing, negotiating a pay rise, becoming a freelancer and starting a business — and they want to learn from each other’s experiences.
对于这款应用的用户来说,财务独立意味着“在你的时间里拥有自由”。年轻女性最想了解的话题是投资、协商加薪、成为自由职业者和创业——她们希望从彼此的经验中学习。
“The element of community is so incredibly empowering,” says Alexia. “So often, money is a source of shame and stress, when it should be a source of freedom, empowerment and security.”
“社区的元素是如此令人难以置信地赋予女性力量,”阿莱克西亚说。“金钱往往是羞耻和压力的来源,而它本应是自由、赋权和安全的来源。”
During the pandemic, many more of us shared our financial fears and experiences online. From Reddit threads to “FinTok” and social media “finfluencers”, women can recognise themselves, finding role models that the traditional financial world fails to offer.
在新冠疫情期间,我们中有更多的人在网上分享了我们的金融恐惧和经历。从Reddit帖子到“FinTok”和社交媒体网红,女性可以认识自己,找到传统金融世界无法提供的榜样。
While these personal interactions cannot replace regulated financial advice, real-life stories remind us that nobody is perfect. Knowing that others are experiencing the same challenges can be a source of strength and inspiration, as the huge growth of the online debt-free community has shown. It is also a reminder that we shouldn’t confuse financial independence with financial privilege.
虽然这些个人互动无法取代受监管的金融建议,但现实生活中的故事提醒我们,人无完人。知道其他人正在经历同样的挑战可以是力量和鼓舞的源泉,正如在线无债务社区的高速增长所显示的那样。这也提醒我们,我们不应该把财务独立与财务特权混为一谈。
Lynn Beattie, who blogs as Mrs Moneypenny, started a viral thread on Twitter last month [February] called “Can we all be a bit more honest about how we paid for our first homes?”
上个月(2月),以“钱眼太太”(Mrs Moneypenny)的笔名写作博客的林恩•贝蒂(Lynn Beattie)在推特(Twitter)上发起了一个被大量转发的帖子,名为“我们能否对自己的第一套房子的付款方式更诚实一点?”
Viewed by over 2mn people, her tweet prompted thousands to confess they had only achieved this milestone by coming into an inheritance, receiving gifts or loans from their parents, or having a higher earning partner — as opposed to cancelling Netflix and their gym membership.
她的推特点击量超过200万,成千上万的人承认他们之所以能达到这一里程碑,是因为继承了一笔遗产,从父母那里得到了礼物或贷款,或者有了一个收入更高的伴侣——而不是取消Netflix和健身会员资格。


2. More women are investing — and so can you

2. 越来越多的女性在投资——你也可以

During the pandemic, investment platforms and trading apps reported a new wave of female customers. Getting started is the easy part. As markets turn choppy, thinking about your investment strategy and understanding how tax breaks can boost your investments can help newer investors hang on for the ride.
在疫情期间,投资平台和交易应用程序录得新一波女性客户。开始投资是最简单的部分。当市场波动时,思考一下你的投资策略,了解税收优惠如何促进你的投资,可以帮助新投资者坚持下去。
“We spend so much time working hard earning the money, but not enough nurturing our wealth,” says Charlotte Ransom, founder of Netwealth. “For me, the challenge is all about getting people closer to their money.”
Netwealth创始人夏洛特•兰塞姆(Charlotte Ransom)表示:“我们花了这么多时间努力工作赚钱,却没有足够的时间培育财富。对我来说,挑战在于让人们更接近他们的钱。”
Unusually for a wealth manager, half of Netwealth’s clients are female. “Women tend to have much higher cash holdings [than men], so rising inflation is going to hit them harder,” she says.
对于一家财富管理公司来说,不同寻常的是,Netwealth一半的客户都是女性。她表示:“女性的现金持有量往往(比男性)高得多,因此不断上升的通胀对她们的打击将更大。”
She is convinced that one reason women tend to hold so much cash is because “they find it harder to engage with the personal finance industry”.
她相信,女性倾向于持有这么多现金的一个原因是,“她们发现自己更难与个人理财行业打交道”。
She argues that setting tangible long-term goals — such as a target income to aim for in retirement — is a much more powerful motivator for women than being pushed to buy a product. “Once women understand how their investments can line up against their goals, they generally show themselves to be very savvy investors,” she says.
她认为,对女性来说,制定切实的长期目标——比如退休后的目标收入——比强迫她们购买产品更有动力。她说:“一旦女性了解她们的投资如何与她们的目标相匹配,她们通常会显示出自己是非常精明的投资者。”
How might you get closer to your money? At an International Women’s Day event years ago, I asked women to raise their hands if they had money invested in the stock market (a few were raised). Next, I asked people to put their hands up if they had a company pension. Nearly every hand went up — but the “default” nature of money invested in company schemes meant most had failed to make this connection.
你如何更接近你的钱呢?在几年前的一次国际妇女节活动上,我请妇女们举手,看看她们是否有资金投资于股市(有几个人举手了)。接下来,我让那些有公司退休金的人举手。几乎所有人都举手了——但投资于公司计划的资金的“默认”性质意味着,大多数人都未能意识到自己与股市的联系。
“Investing is one of the hottest topics, yet [our users] don’t want to talk about pensions,” notes Margot from Your Juno, urging women not to overlook the “free money” of pension matching offered by their employer, and to educate themselves about investment choices.
“投资是最热门的话题之一,但(我们的用户)不想谈论养老金,”你的朱诺的玛戈指出。她敦促女性不要忽视雇主提供的养老金配对的“免费资金”,并教育自己有关投资选择的知识。
Even so, studies show that a lack of money, rather than a lack of confidence, is a major reason more women don’t invest.
即便如此,研究表明,更多女性不投资的主要原因是缺乏资金,而不是缺乏自信。
“Ignorance in finance is not bliss,” says Annamaria Lusardi, founder of the global financial literacy centre at George Washington University “Take some small steps to invest in financial knowledge, by setting aside as little as 10 to 15 minutes each week or month to read and learn about money.”
乔治华盛顿大学(George Washington University)manbetx app苹果 金融扫盲中心(global financial literacy centre)的创始人安娜玛丽亚•卢萨迪(Annamaria Lusardi)表示:“对金融无知并不是一种幸福。采取一些小步骤投资金融知识,每周或每月抽出10至15分钟阅读和学习有关金钱的知识。”


3. What does your partner earn — and where is the money?

3. 你的伴侣挣多少钱?钱在哪里?

Every woman should know the answer to this question, but a surprising number do not. But before having a conversation with your partner, try having one with your peers.
每个女人都应该知道这个问题的答案,但令人惊讶的是,有相当多的女人不知道。但是在和你的伴侣交谈之前,试着和你的同龄人交谈。
“In a similar way to a book club, why not meet your friends over dinner to start a conversation about financial topics?” suggests Patricia Astley, managing director at Julius Baer, a wealth manager.
“和读书俱乐部类似,为什么不与朋友共进晚餐,开始一场有关金融话题的谈话呢?”财富管理公司宝盛(Julius Baer)董事总经理帕特里夏•阿斯特利(Patricia Astley)建议道。
She recently did so with five friends, and they went around the table sharing what they knew about pensions, life insurance and wills.
最近,她和五个朋友一起做了这项工作,他们围坐在桌边,分享他们对养老金、人寿保险和遗嘱的了解。
“Plenty knew little, or confessed they left these kinds of things to their partners,” she says. “In the UK, 42 per cent of marriages end in divorce and, even if you stay married, women live for longer than men. We need to have these conversations now.”
她说:“很多人对此知之甚少,或者承认他们把这些事情留给了自己的伴侣。在英国,42%的婚姻以离婚告终,而且即使维持婚姻关系,女性的寿命也比男性长。我们现在就需要进行这些对话。”
The pandemic has prompted one member of my own book club to tackle her (older) partner about their financial affairs.
疫情促使我自己书友会的一位成员向她(年长)的伴侣询问他们的财务问题。
“I just came out with it and said, ‘if you were to die of Covid tomorrow, where is our money, the passwords, the financial records for our business and the deeds for our house?’” she says. Talking more about money has now become a bigger part of their daily lives.
“我突然问道,‘如果你明天死于Covid,我们的钱、密码、公司的财务记录和房契在哪里?’”她说。现在,更多地谈论金钱已经成为他们日常生活中更重要的一部分。
Jane Portas, a financial expert and creator of the Six Moments that Matter website, asks women if they know what their gender pension gap is — the value of their pension pot relative to their partner’s.
金融专家简·波尔塔斯(Jane Portas)是“重要的六个时刻”(Six Moments that Matter)网站的创建者,她询问女性是否知道男性和女性养老金差别是什么——她们的养老金相对于伴侣的价值是多少。
“Without a conscious effort to maintain and level up finances to recognise non-financial contributions like caring for children, these gaps start to build,” she says. “All too often, people don’t realise this until they split up.”
她表示:“如果不有意识地保持和提高财务水平,以认可照顾孩子等非财务贡献,这些差距就会开始扩大。很多时候,人们直到分手才意识到这一点。”
Don’t overwhelm yourselves by trying to have all of these conversations at once — tackling one topic at a time (perhaps over dinner) should make it more enjoyable.
不要试图同时进行所有这些对话,让自己不知所措——一次只谈一个话题(也许是在晚餐时)应该会让谈话更愉快。


4. The financial impact of having a baby

4. 生孩子对manbetx20客户端下载 的影响

Much of the damage to women’s earnings potential occurs after they become a parent, but financial planning can help lessen the impact.
对女性收入潜力的损害大多发生在她们为人父母之后,但理财计划可以帮助减轻这种影响。
Tobi Asare, founder of the My Bump Pay website, suggests couples start planning “way before” they think about starting a family.
My Bump Pay网站的创始人托比·阿萨雷(Tobi Asare)建议,夫妇们在考虑组建家庭很早之前就开始计划。
“The most important thing is to find out what both parents are entitled to in terms of maternity pay and parental leave,” she says.
她说:“最重要的是找出父母双方在产假和育儿假方面享有的权利。”
The directory on her website shows that some employers offer much more enhanced packages than others. Importantly, more are recognising that men want to play a greater role in the early years. In the UK, shared parental leave is slowly becoming more common, but not every company offers it, and benefits vary hugely.
她网站上的目录显示,有些雇主提供的薪酬比其他雇主优厚得多。重要的是,越来越多的人意识到,男性希望在早期发挥更大的作用。在英国,共享产假正逐渐变得越来越普遍,但并不是每家公司都提供这种服务,而且福利差别很大。
Asare says advance understanding of how your pay will be affected is essential for families to budget. Typically, maternity pay gradually tails off, and may even drop to zero.
阿萨雷说,提前了解你的工资将如何受到影响对家庭预算至关重要。一般来说,产假工资会逐渐减少,甚至可能降至零。
“Ask your employer for a schedule of payments ahead of time, so you can see exactly how much maternity pay you will receive and when, and budget around this,” is her advice.
她的建议是:“提前向你的雇主索要一份支付时间表,这样你就能确切地知道你会拿到多少产假工资,什么时候拿到,并据此制定预算。”
“So many women discover they can’t afford to keep up pension contributions, so they opt out, but this makes the gender pensions gap even worse.”
“很多女性发现她们无法继续缴纳养老金,所以她们选择退出,但这使得男性和女性养老金差距更加严重。”
However, the greatest financial challenge is still to come. “The cost of childcare is always the biggest surprise that catches people out,” Asare says, recommending parents-to-be look at the cost of childcare options and find out if they will qualify for government assistance such as tax-free childcare.
然而,最大的财政挑战还没有到来。阿萨雷说:“育儿费用一直是人们最惊讶的问题。”他建议准父母们看看育儿费用的选择,看看他们是否有资格获得政府援助,比如免税育儿。


5. Flexible working is not just for women

5. 弹性工作制并不仅仅适用于女性

In the City of London, high-profile female bosses have been encouraging women to stop working from home and come back to the office.
在伦敦金融城(City of London),一些知名的女老板一直在鼓励女性不要在家工作,回到办公室工作。
If flexible working is something that only women are asking for, they fear this could unduly damage women’s pay and career prospects. Sadly, they stopped short of suggesting that more men should ask to work flexibly to better share childcare.
如果弹性工作制是只有女性才要求的,她们担心这会过度损害女性的工资和职业前景。遗憾的是,他们没有建议更多的男性应该要求弹性工作,以便更好地分担育儿。
“Both men and women can benefit from the fact that the stigma around the flexible working conversation has been pushed aside,” says Patricia Astley. “Before the pandemic, many men wouldn’t approach their boss about this through fear of looking weak. That’s now eliminated, so these conversations need to be had at home.”
帕特丽夏•阿斯特利表示:“围绕灵活工作对话的污名已被抛到一边,这对男性和女性都有好处。在新冠疫情之前,很多男性因为害怕显得软弱而不愿向老板提出这个问题。现在已经没有了,所以这些对话需要在家里进行。”
Charlotte Jessop, founder of financial education platform Looking After Your Pennies, encourages couples to examine their overall finances.
理财教育平台Looking After Your Pennies的创始人夏洛特·杰索普(Charlotte Jessop)鼓励夫妇们检查他们的整体财务状况。
“When our children were small, my partner and I looked into how our take home pay would be affected if we both went part-time,” she says. They were surprised to find they would still hang on to 70 per cent of their income if they cut their working hours by nearly 50 per cent (Charlotte moved from five days a week to two, and her partner dropped down to four days).
她说:“当我们的孩子还小的时候,我和我的伴侣研究了如果我们都去做兼职工作,会对我们的实得工资产生什么影响。”他们惊讶地发现,如果他们把工作时间减少近50%,他们仍然能保住70%的收入(夏洛特从每周5天减少到2天,她的伴侣减少到4天)。
Reducing their take home pay moved the couple into lower tax bands, plus they ended up spending far less on childcare as one parent was usually at home.
减少他们的家庭收入使这对夫妇进入了较低的税率区间,此外,由于父母中的一方通常在家,他们最终在儿童保育方面的支出也大大减少。
Other couples might find this approach could boost their entitlement to child benefit or qualify them for up to 30 hours per week of free childcare (the latter is withdrawn if one partner earns over £100,000).
其他夫妇可能会发现,这种方法可以提高他们的儿童福利,或使他们有资格获得每周30小时的免费托儿服务(如果一方收入超过10万英镑,后者将被取消)。


6. How to hustle

6. 如何兼职

The need for greater flexibility has long been a driver for women to go freelance or start a business. However, statistics show that female-owned enterprises often struggle to scale up, attracting a minute proportion of money raised from outside investors.
长期以来,对更大灵活性的需求一直是促使女性从事自由职业或创业的动力。然而,统计数据显示,女性拥有的企业往往难以扩大规模,从外部投资者那里吸引到的资金只占很小的比例。
Just 1.1 per cent of funding went to female-led technology companies in 2021, according to research by Atomico, which notes that diversity is lacking on both sides of the deal. In 2021, it estimated that only 12 per cent of European venture capital general partners and managing directors were female.
根据Atomico的研究,2021年,只有1.1%的资金流向了女性领导的科技公司。该公司指出,并购双方都缺乏多样性。据估计,2021年,欧洲风险资本的普通合伙人和董事总经理中只有12%是女性。
Your Juno founders Margo and Alexia went on a training course for women to learn “how to present more confidently” to VC investors.
你的Juno创始人玛戈和亚历克西娅参加了一个针对女性的培训课程,学习如何“更自信地”向风投投资者展示自己。
They were told that because men bidding for funding typically oversell themselves, investors expect founders to put a show on.
他们被告知,因为竞投资金的男性通常会过度推销自己,所以投资者已经习惯于预期创始人总是会上演一场好戏。
“Of course we questioned why we had to change our technique to fit around the mindset of male investors,” Margo says. Last week, the sisters raised $2.2mn in seed funding from a female-led board.
玛戈说:“当然,我们质疑为什么我们必须改变我们的技术,以适应男性投资者的心态。”上周,姐妹俩从一家女性领导的董事会获得了220万美元的种子资金。
Jason Butler, the FT columnist and experienced angel investor, says that although women only account for “one in 20” people who approach him seeking an investment, his “strike rate” for investing in female-run businesses is 80 per cent, versus five per cent for those run by men. Why?
FT专栏作家、经验丰富的天使投资者贾森•巴特勒(Jason Butler)表示,尽管在向他寻求投资的人中,女性只占“二十分之一”,但他投资女性经营的企业的“成功率”为80%,而男性经营的企业的“成功率”为5%。为什么?
“I naturally assume that men believe that they’re great, and some of them are, yet I think many women don’t always believe in themselves enough,” he says.
他说:“我很自然地认为,男性相信他们很伟大,他们中的一些人确实是这样的,但我认为很多女性并不总是足够相信自己。”
If the numbers stack up, he believes backing female entrepreneurs gives him greater chances of a good outcome. “Women are less likely to have an ego, they’re less likely to bluster their way through or go into B.S. mode, and they tend to be harder workers,” he says.
如果这些数字累积起来,他相信支持女性企业家会给他带来更好的结果。他说:“女性自大的可能性较小,她们不喜欢大吹大擂,也不太可能陷入废话模式,而且她们往往更努力工作。”
“Now that is a generalisation, and I can’t really back it up with science. All I can tell you about is my experience. So I would say, if you’re a woman, don’t just think about going to women’s groups. There are many men who want to invest in female businesses.”
“这只是一种概括,我无法用科学来证明。我能告诉你的只有我的经历。所以我会说,如果你是一名女性,不要只想着去找女性的投资。有很多男性希望投资女性企业。”


7. How to maximise your earnings potential

7. 如何最大化你的收入潜力

A “side hustle” can provide a valuable extra income, and potentially an avenue to develop your next career — but are you being paid fairly in your main hustle?
副业可以为你提供有价值的额外收入,还可能为你的下一份职业提供发展的途径——但是你的副业收入公平吗?
“Closing the gender pay gap requires you to be proactive and ask for a pay rise,” says Lusardi, accepting that part of the problem is that women are less likely to ask for an increase than men.
卢萨迪说:“缩小性别薪酬差距需要你主动要求加薪。”她接受了女性要求加薪的可能性比男性低这一问题。
Advising women to develop a greater awareness of their earnings potential, she says if negotiations do not go your way, “sometimes, the best way to increase your salary is to move jobs”.
她建议女性要对自己的收入潜力有更清醒的认识。她表示,如果谈判不符合你的意愿,“有时候,提高薪水的最好办法就是换工作”。
Women are much more likely to work part-time. After having children, switching to a four-day week is common, yet plenty of women are squeezing in five days’ worth of work in return for a 20 per cent pay cut.
女性从事兼职工作的可能性要大得多。生完孩子后,每周工作4天的做法很常见,但许多女性只是将5天的工作量压缩到4天完成,却得到20%的减薪。
“Another common problem is women staying in the same job for a long time after they’ve had children,” says Portas, noting how women sacrifice flexibility for pay and career progression.
波尔塔斯说:“另一个常见的问题是,女性在生完孩子后还长时间呆在同一份工作上。”她指出,女性会为了薪酬和职业发展而牺牲灵活性。
However, the new “default” of hybrid working is evident in post-pandemic job ads, making conversations about flexibility much easier to start with a potential employer.
然而,在新冠疫情后的招聘广告中,混合工作的新“默认”显而易见,这让人们更容易从潜在雇主那里开始谈论弹性工作。
“In future, the conversation’s not just going to be about flexible working — it’s about flexible careers,” Portas adds. As we live for longer, we’re going to come in and out of the workplace, and people in their 50s and 60s are going to need to reskill. So moving jobs might not just be about pay; it could be about accessing other opportunities.”
波尔塔斯补充道:“未来,人们谈论的话题将不仅仅是弹性工作——而是弹性职业。随着我们寿命的延长,我们将进入和离开工作场所,五六十岁的人将需要技能。因此,跳槽可能不仅仅是为了收入;也可能是获得其他机会。”
The steep rise in women’s state pension age means that income streams from Isas, property investments and private pensions will all be needed to manage the transition from work to retirement.
女性法定退休年龄的大幅提高,意味着来自Isas、房地产投资和私人养老金的收入来源,都将需要管理从工作到退休的过渡。
“Even if you do not work because you are taking care of your family, try to stay employable,” advises Lusardi. “Develop skills that are useful in the job market, have a side hustle, keep connected or develop a network that can help you find a job in future.”
“即使你因为要照顾家庭而不工作,也要努力保持就业能力,”卢萨迪建议说。“发展在就业市场上有用的技能,有一个副业,保持联系或发展一个网络,可以帮助你在未来找到工作。”
More than anything, she urges women to be vocal about their money issues — whether that’s asking for help, sharing experiences or campaigning for change.
最重要的是,她敦促女性对自己的金钱问题直言不讳——无论是寻求帮助,分享经验,还是发起改变运动。
“Women are not the minority, we are 50 per cent of the population,” says Lusardi. “We are a big group — we need to have a bigger voice, and to raise that voice to make sure change happens. We need International Women’s Day to remind men of all of these things.”
“妇女不是少数,我们占人口的50%,”卢萨迪说。“我们是一个大群体,我们需要有更大的声音,并提高这一声音,以确保改变发生。我们需要国际妇女节来提醒男人们这一切。”
To read more about the FT’s Financial Literacy and Inclusion Campaign, click here
要想了解更多有关英国《金融时报》金融扫盲与包容运动的信息,点击这里
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