Women, Wealth And Property Investing, Turning Savers Into Confident Investors

Women are often strong savers. Yet many are still stuck living paycheck to paycheck, holding cash, and feeling nervous about investing.

Despite earning good incomes, a lot of women:

Keep money in savings rather than assets
Feel behind compared to peers
Feel embarrassed asking basic questions about money
Believe property is out of reach, especially in capital cities

This episode of The Property Nerds features Molly from Ladies Finance Club, who has helped over 70,000 women get control of their finances and start building wealth through shares and property. Her own path, from financial stress in London to owning multiple investment properties, shows what is possible when mindset, education, and strategy align.

What Happened

On The Property Nerds podcast, Arjun and the team spoke with Molly, the founder of Ladies Finance Club, about:

How she went from being a “financial hot mess” in London to teaching thousands of women about money
Why so many women feel shame and embarrassment around finances
The mindset blocks that stop women from buying property
How rentvesting is helping women invest when their own city feels unaffordable
How early money messages from parents shape adult behaviour
The role of education, simple language, and community in building confident female investors

Molly shared her own story. She worked at a bank in London, earned good money, took great holidays, but lived paycheck to paycheck. Her wake up call came when she had to text a friend from the supermarket to ask for money because she could not afford her groceries.

From there she started learning about money with her friends, asking basic questions about shares, savings products, and how money actually works. That small gathering grew into Ladies Finance Club, which now runs corporate workshops, programs, and masterclasses and has supported over 70,000 women.

She also spoke about her personal property journey. As a single woman she thought she would never be able to buy property. Then a broker told her she could borrow up to $800,000. That shifted everything. With the help of a buyers agent she purchased her first investment property, which then grew by around $150,000 in about 18 months. That equity helped her buy a second property in Tasmania, while still renting close to the beach in Bondi.

Throughout the conversation, Molly and the hosts linked these lessons back to the women they see every day through Ladies Finance Club and InvestorKit clients.

Key Findings

1. Women make good savers, but many stay out of the market

Many women are diligent savers
They like seeing money in cash because it feels transparent and safe
This can lead to staying in low growth assets for too long
Fear of losing money and fear of “doing it wrong” are major barriers to investing in shares or property

2. Financial shame and embarrassment are common

Many women feel they “should” know more about money
They are embarrassed to ask what feels like basic questions
In many households, parents did not pass on strong money habits
Some women grow up watching parents live on credit cards, not budgets

3. Early money messages from parents shape outcomes

Our money mindset is largely formed by about age seven
Statements like “That is too expensive” or “Money does not grow on trees” can create scarcity thinking
Positive habits, like starting work early and saving consistently, are not as common as many assume

4. Property feels out of reach, even when the numbers work

Media noise often tells people it is “impossible” to buy property
Many women never speak to a mortgage broker because they assume they cannot afford it
Some already have a deposit saved but feel stuck, scared to make a “wrong decision”
Borrowing capacity can surprise people once they are assessed properly

5. Rentvesting is a powerful strategy for women

Many women want lifestyle locations, such as inner city or beach suburbs, which are hard to buy in
Rentvesting lets them rent where they want to live and invest where the numbers work
Molly used rentvesting to buy in more affordable growth areas, then used equity to scale

6. Education works best when it is simple and relatable

Jargon and complex explanations scare people off
Analogies, stories, and fun visuals make investing feel accessible
Women respond strongly to environments where no one is made to feel silly for not knowing something

7. Wealth gives security and options in real life events

One Ladies Finance Club member went from credit card debt and a messy budget to:
- Clearing debt
- Topping up her super
- Buying a strong performing investment property
When her daughter was later diagnosed with blood cancer, she had the financial capacity to support her and contribute money. That was life changing for the family.

Action Steps

For women who recognise themselves in this episode, here is a practical roadmap.

1. Audit your current position

List your income, expenses, debts, savings, and super
Identify how many months of living expenses you have in cash
Note how much of your net worth sits in cash versus growth assets

2. Clean up the foundations

Build a simple, realistic budget that reflects your actual life
Create a small buffer first, for example 3 months of expenses
Make a plan to clear high interest consumer debt as a priority

3. Get educated in simple, friendly environments

Attend workshops, masterclasses, or online sessions that use plain language
Focus first on key concepts, cash flow, compounding, diversification, borrowing capacity, basic tax awareness
Look for communities where questions are welcomed, not judged

4. Understand your borrowing capacity

Book a conversation with a mortgage broker who regularly works with investors
Ask for clear numbers, maximum borrowing, comfortable borrowing, and different scenarios
Use the outcome to test what is actually possible, rather than assuming property is out of reach

5. Explore strategies like rentvesting

If your dream suburb is unaffordable, separate where you live from where you invest
With the help of data focused professionals, identify markets with:
- Solid rental demand
- Sustainable price points
- Strong growth drivers
Model what a well selected investment property could do over 10 to 20 years

6. Build your professional team

Consider working with:
- A buyers agent for location and asset selection
- A mortgage broker for lending strategy
- A tax professional for structure and compliance
Use their expertise so you do not need to know every detail yourself, you only need to make informed decisions

7. Take the first step, then review and refine

Start with one clear move, opening an investment account, setting up an automated savings plan, or committing to your first property purchase with support
Track progress against goals, debt reduction, savings built, investments purchased
Review annually and adjust as your income, family situation, or goals change

Ready To Turn Saving Into Investing?

Women do not lack discipline.They often lack clear information, a safe place to ask questions, and a data backed plan for property and investing.

Book your free discovery call with InvestorKit and get a tailored, data driven roadmap for your next property decision, without guesswork.