Women have experienced a steady decline in their overall well-being over the last several years. They report lower levels of mental and physical health, while stress levels have climbed. However, it is the fragile state of women’s financial health that may have the greatest impact on their well-being.

58% of women say they’re just making ends meet or struggling to keep up financially.

Women’s well-being is shaped by a complex balance of mental, physical, and emotional health. Yet, there's one key component that often gets overlooked — financial health. It enables you to look after your physical health, afford nutritious food and eat a healthy diet, and be more capable of taking care of your mental and emotional health. Still, many women don't realize how much financial health influences the other aspects of their health.

This report explores how financial health underpins broader well-being, and how to better advocate for policies and programs that support women’s full, holistic wellness.

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Learn how financial health affects women’s well-being and why increasing financial literacy and confidence can lead to better overall well-being.

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Unless otherwise noted, all data is sourced from Guardian’s 14th Annual Workplace Benefits Study, 2025.

Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. The Guardian Life Insurance Company of America (Guardian), New York, NY. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.