Audrey Clark Co.

05/23/2026

Why Women Must Know More So They Can Do More.

Let’s tell it like it is: women are often asked to do more with less.
The pay gap is real. In 2024, women earned 81 cents for every $1 earned by men, a decrease from 84 cents in 2022. The news is worse for women of color.

Black women earned just 65 cents for every $1 earned by Caucasian men in 2024, down from 69 cents in 2022.

The income disparity compounds over time so when we do retire, we’ll receive just77% of the Social Security benefits received by men. With less earnings, we have less money to set aside and invest for our retirement.3

So yes, women need strategies. Women need tools. Women need support.
But first, women need something even more basic, and more powerful:
A financial education.

Because education is the one advantage no one can take from you. Education is how you stop being controlled by money and start controlling it.

05/22/2026

As we enjoy this Memorial Day weekend, I want to take a moment to recognize something much bigger than the holiday itself.

To our active duty service members serving far from home — thank you.
To our veterans who carried the weight of this country on their shoulders — thank you.
To the fallen, and the families who loved them — we remember, and we are deeply grateful.

Freedom is never free. It is bought by the bravery and sacrifice of people who chose something greater than themselves.

This weekend, I honor all of you. 🇺🇸🌹

04/30/2026

5 WAYS to OBSERVE FINANCIAL LITERACY MONTH:

03/06/2026

Not everyone learns the same way. That’s why we built HowMoneyWorks for the Next Generation in three formats:

🔹 Print Book – 160 pages | 2-hour read
🔹 Overview eBook – 40 pages | 30-minute read
🔹 Summary eBook – 6 pages | 5-minute read

Whether you’re a fast skimmer or a deep diver, you can get the clarity and confidence you need to take your next financial step.

https://howmoneyworks.com/audreyclark/bookpages/howmoneyworks-for-next-gen
These aren’t just different versions—they’re different entry points to a smarter financial future.

🎯 Choose your format. Learn what schools didn’t teach. And finally feel confident managing your money.

📘 One action plan. No fluff. Just results.

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03/05/2026

If you put your money in the right places, it can grow substantially over time, thanks to the power of compound interest. It could even double, while you don’t have to do a thing.

Want to figure out just how fast your money could grow? The “Rule of 72” approximates how many years it will take for your money to double, given a fixed rate of return.

“Think about your savings for the future,” Tom Mathews and Steve Siebold write in their book “How Money Works,” which highlights the “Rule of 72” as of one of three essential personal finance topics to understand (the other two being compound interest and the time value of money). “The Rule of 72 can give you an idea of how many doubles you’ll get in your lifetime. With more time, a lower interest rate may give you enough to nail your goals. With less time, you may need a higher interest rate.”

The "Rule of 72" approximates how many years it will take for your money to double, given a fixed interest rate. The higher the rate, the more you'll earn.

02/17/2026

This survey is more than just some questions.

It’s leadership.

For years, WealthWave has been committed to one mission:
Erasing financial illiteracy in America.

In 2026, that mission takes a focused step forward for women.

The WealthWave Women’s Survey 2026 is live.

Ten questions.
Completely anonymous.
Five minutes to complete.

But the impact reaches far beyond that.

Over the next two decades, more than $124 trillion will transfer to the next generation — with the majority moving to women. That moment demands preparation, confidence, and education.

This survey helps us understand:
• Where women feel confident
• Where they feel uncertain
• What education do they want most
• What conversations need to happen next

The insights gathered will shape articles, research, media conversations, and practical financial education throughout the year.

At WealthWave, we believe education creates confidence.
Confidence creates leadership.
Leadership changes families and communities.

Take the survey.
Share it with the women you care about.
Be part of building a more financially confident generation.

👉 Take the WealthWave Women’s Survey 2026:
https://financialliteracyindex.com/audreyclark/quiz

01/26/2026

The retirement divide isn’t a “someday” issue. It’s already showing up in real time.

Recent data indicates that while 78.7% of full-time workers have access to a retirement plan, the average total contribution is only 9.3% of income. On paper, that sounds responsible. In practice, it often isn’t enough to sustain long-term financial independence.

Why? Because the math has changed:

People are living longer

Healthcare costs keep rising

Social Security remains uncertain

Inflation continues to pressure purchasing power

Many financial professionals point to 12–15% as a more realistic savings range for long-term stability—especially for anyone who started late, took career breaks, or is still carrying debt.

The real risk isn’t that people aren’t trying. It’s that many are working from an outdated definition of what “enough” looks like.

Closing the gap starts with awareness—and the right education.

01/12/2026

The 2026 Paradox: Supercomputers in our pockets, but 19th-century literacy in our heads.

It’s time to close the gap.

It’s 2026, and we are living in a world of incredible technological paradox. While we carry supercomputers in our pockets capable of solving the world’s most complex problems, America’s financial literacy is still stuck in the past.

We have instant access to global markets, yet most people struggle to answer basic questions about interest rates, inflation, or risk management. This isn’t just a minor hurdle; it’s a systemic divide that leaves millions of families straddling two different centuries.

The data reveals a "failed" scoreboard that we can no longer ignore. Recent studies from the TIAA Institute and FINRA show that national financial competency has essentially flatlined for nearly a decade, with many adults failing to answer even half of basic personal finance questions correctly.

Most concerning is that "understanding risk" remains the weakest area of all. This means most Americans are navigating their most important earning years with only a pop-quiz level of understanding.

This crisis creates a critical mission for WealthWave leaders. We aren't just here to talk about the numbers; we are here to move the needle. By educating and empowering our communities, we can bridge this gap and finally rewrite America’s money future. It’s time to trade financial confusion for confidence. Read the full breakdown of the crisis and our strategy to solve it on my website.

Link to Blog Post:
https://wealthwave.com/audreyclark/blog/the-financial-literacy-emergency-of-2026

01/02/2026

As George Bernard Shaw observed, “The single biggest problem in communication is the illusion that it has taken place.”

For leaders, this illusion is costly. Sending a message is not the same as being understood. When leaders assume clarity without confirmation, teams drift, alignment weakens, and engagement erodes. Effective leadership requires closing the gap between what is said and what is truly heard, understood, and acted upon.

Communication is the quiet, steady thread that holds an organization together. It builds trust, strengthens relationships, and helps people feel connected to a shared vision and purpose. Through clear and thoughtful communication, leaders bring ideas to life, create understanding, and invite others to believe in and move toward a common goal.

When that thread begins to fray—through unclear, inconsistent, or missing messages—the impact is felt quickly. Confusion replaces clarity. Confidence softens. People hesitate, unsure of what matters most or how to move forward. Over time, momentum slows and progress loses its rhythm. This is why communication is not just a leadership skill, but a leadership responsibility.


https://wealthwave.com/audreyclark/blog/the-leaders-voice

01/02/2026

Oh nothing. Just meeting for breakfast over the holiday break, so we don't lose a step in generating referrals for each other in 2026.

Need a team that makes it their mission to pass you referrals, just as you do for them?

Inquire within. ;)

And happy new year!