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Men vs. Women: Differences Between Men and Women’s Money Management Skills

This essay examines the inherent differences between men and women when it comes to money.

After writing the Ten Most Fundamental Differences Between Men and Women, Part One, I’ve decided to continue the theme with a series of male/female differences simply titled “Men vs. Women.” The fact that “Ten Most Fundamental…” got 2000 shares didn’t affect my interest in continuing the topic whatsoever. I’m doing this for the greater good of mankind. Oops, was that politically incorrect? Personkind? Humankind?


Given that I’ve written 25 columns for 12Most.com, you’d think I’d choose a list of 12 or even the more common 10. But, no, I’ve chosen to break from the norm and be an innovator with these lists–in this ongoing series of which this is the first–as men tend to be innovators so much more than women! Consequently, the number will be completely arbitrary!

I am not interested in being politically correct AT ALL. I am interested in being truthful. And one truth that is not taught much in women’s studies departments at our colleges is that men and women are inherently different. Yes, this may come as a shock to your feminist professor buddies, but we are not only built differently, we tend to do, think, and act differently as well.

That said, there are exceptions to every generality and stereotype. I am declaring here and now that I am making both generalities and stereotypes, but I assert that they are true the majority of the time. Simple truths about men and women include that most men are taller than women, most women live longer than men, most men have more hair on their bodies, most women have menstrual cycles, men gain weight in the belly predominantly, while women gain weight in their rear-ends and thighs, predominantly. Am I right or what?

So, when it comes to money, there’s little doubt that men and women approach it with different ideas, attitudes, and methods. Herewith just three differences that I’ve chosen for this topic, though I may have to follow this list up with another one, since money is such a great, touchy and universal conflict issue between men and women!

This list is in no order of importance, and I hope contains things you may not have thought of before:

1. Men think gifts get different points based on their cost

What the heck does that mean? It’s simple. A guy gives a gal a bouquet of flowers and he expects it’s worth, say, 1 point. He gets her a cool $500 designer bag (Okay, I’ve just exposed another difference…as you women readers know all too well. There’s no cool designer bag that costs even close to JUST $500) and it’s worth, perhaps, 5 points. If he has really screwed up and gets a costly piece of jewelry, it’s worth at least 10 points in his eyes.

And we guys think that those points mean we’re off the hook for a while based on the number of points we’ve “earned.” What we don’t realize is that our women value each of our gifts exactly the same: ONE point. So, while we think the callous remark we made or the backward look at the hot girl over there should be forgiven due to the point system, we are wrong. If we’re lucky, those points last the rest of the day. So, my advice is to always give a gift in the morning.

2. Women think they can add, subtract and balance their checkbooks

Okay, I’m stepping into it now. This sort of fits into the-guy-thinks-he-knows-directions better than women category. Women have a hard time figuring out tips, balancing their checkbook, and doing basic math. It sort of relates to the point system outlined in #1 on this list. Women’s minds react very strongly to certain things like, for instance, my wife saying she got a great deal on a pair of shoes.

I foolishly ask, “That’s great honey, how much did they cost?” to which I get a reply like, “$365.” I look astonished and compound my ignorance by expressing, “That’s a deal?” to which I get the disdainful response that they would’ve cost $1,475 if she’d bought them at Bloomingdale’s along with a huge, “Harrumph.”

Now, to be fair, this idea of “value” really works both ways. We men do believe that a big-screen TV is worth every bit of its $4,000 cost while the same amount spent on the afore-mentioned designer handbag makes absolutely no sense to us.

3. Making buying decisions based on looks rather than what's inside

This one is the best irony of them all. Women will buy A CAR based on its looks and/or color while men will actually care about its performance and what’s inside! Women will buy clothes just for the label. Men could care less. The list of these sorts of buying differences is endless.

But, the great irony of this male/female difference is that where it really counts, men are slugs. When choosing a partner, men will base their decision largely based on looks, at least initially. And we all know men who married women exclusively for their looks or youth. Women are much smarter in this regard and marry men for their money! Ha ha.

What differences do you want to add? Where do you agree or disagree with my gender thinking?

*This is an opinion piece and the views expressed within don't necessarily reflect the views of Patch or its editors.

About this column: Bruce Sallan is an Agoura Hills stay-at-home dad who is raising two teenage boys. Bruce’s first book, A Dad’s Point-of-View: We ARE Half the Equation is available at Amazon and the store at BruceSallan.com: http://brucesallan.com/index.php/store. Bruce Sallan’s column, “A Dad’s Point-of-View,” is carried in over 100 newspapers and websites worldwide. Please listen to “The Bruce Sallan Show - A Dad’s Point-of-View,” his one-hour radio show, which is available anytime, via live stream, or to download for free on BruceSallan.com.

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Mark Fonseca May 21, 2013 at 11:50 am
Contact Rescue Training Institute at Phone: (818)532-7348 Email: mark@rescuetrainingsocal.com
Susan Pascal (Editor) May 20, 2013 at 08:10 am
The information we received from the Malibu/Lost Hills Sheriff's station was that a mentally illRead More patient was removed from the bus Sunday night. No one was harmed, officials said.
Bob Thomas May 22, 2013 at 08:21 am
John, it was reported on KTLA. You can find it at KTLA.com and do a search of "Agoura HighRead More graffiti."
John May 21, 2013 at 03:25 pm
Bob, who reported it was one of the kids on the list?
Meril Platzer May 18, 2013 at 11:04 am
Either way it is wrong and uses the race card as a "despicable stunt"
Susan Pascal (Editor) April 9, 2013 at 03:06 pm
Thanks for your great perspective on this issue. We should all unplug once in awhile.
shakelightly April 9, 2013 at 02:33 pm
I think for the most part, people are mentally drained. Few take the time to sit back relaxRead More anymore. Even when we do have a minute to ourselves, we're constantly bombarded with emails, text messages and status updates. If we unplugged ourselves from our devices, we might find the serenity we all so desperately need. Turn your phone off, take a hike. Find a big tree next to a creek and sit under the shade. Enjoy nature. Listen to the sound of the water, the birds and the breeze as it moves through the brush. When you get back to nature, if only for a short time, you'll leave with a clear mind and feel revitalized. You're right---technology was supposed to make our lives more simple. Instead, it fuels the attention deficit disorder as our brain becomes a hashtag with a constant barrage of (often useless) news and updates. Although I'm young, I'd give anything to go back to the days where calling someone often led to a wild goose chase of finding an available payphone and spare change to make the call.
John April 8, 2013 at 12:57 pm
If you can't talk politics with friends without being able to agree to disagree or even end upRead More losing them as friends then they were not the "friends" you thought they were anyway.
Peter H. Brothers April 7, 2013 at 09:18 pm
It's not about moving forward, it's about saving your breath! That's the whole problem; too muchRead More talk and not enough action! You gonna eat that fish or just hold it up in the air?
Dave April 7, 2013 at 07:29 am
then again, if you only speak with people who agree with you, how do you ever move forward? aren'tRead More you just "spinning your wheels" staying in the same spot never moving forward?