Sallie Krawcheck

Leadership is a lot of hard work. I hoped, when I was younger, that I would just be a natural leader or that it was something that was innate, but it is really a learned skill.

Women aren't driven by or thrilled by outperforming the market. They're much more excited about, 'Can I meet my goal?'

Albert Einstein is reported to have said compounding is the eighth wonder of the world. Obviously, a dollar invested in your 20s is worth so much more than a dollar invested in your 60s.

We haven't always been aware of it, but the 'locker-room bro talk' has long been going on not just in locker rooms but in some corporate conference rooms. Of course, not by all men. But by some - including some who hold positions of power. And that matters in holding women back.

First, pay off your high-interest-rate debt. If you have student loan debt - that's low interest rate; that has a tax benefit - you can leave that out. A mortgage can be an OK one. Credit card debt is poison. That needs to be paid off right away.

My kindest interpretation of my younger self is, 'Boy, was I busy.' I had two kids, a husband, two stepkids. I mean, how many darn things can a person do at the end of the day?

I hated being a junior investment banker. I loved the research business, the wealth management business.

People just haven't saved enough for retirement. And they're going to outlive their money.

The research indicates that when we women invest, we women do tend to be more patient, take a longer-term perspective and as a result of it, tend to be better investors than men. But the messages we get are that investing is sort of 'the guys' world.'

Most financial questions don't have one right answer - just an answer that's right for you.

We shouldn't think anyone needs a Ph.D. in advanced investing in order to begin to invest.

We all know money is power. And women won't be equal with men until we are financially equal with men. Getting more money into the hands of women is good for women, but it's also good for their families, for the economy, and for society.