For Every Bold, Smart and Fearless MidLife Woman Who Doesn't Have a Million Dollar Retirement Account

This is Our Story, Maybe Your Story, Too?

Welcome girlfriends! I'm Patty Gale and if you are a woman 40+, wherever you are in your financial journey, consider this your new home for savvy and heart-centered personal finance insight.

Perhaps we've been been in the same shoes. I've experienced being married, divorced, a single mom for 11 years, remarried, almost divorced a second time, career transition, job loss and financial disaster.

While my life looked great on the outside, I was a hot mess on the inside. During the years in financial survival mode, I felt more alone, isolated and frustrated than ever. I was like a volcano ready to explode. Maybe you can relate?

Then, when I started confiding into close girlfriends, I discovered more and more women, in our age group, in similar situations who are living lives of quiet financial despair. When I started talking, they felt free to open up and share their stories, too. All they needed was someone to start the conversation first.

What I Discovered During Those Precious Talks

1. Financial struggles are experienced by women across all socio-economic backgrounds, education and income levels including women with advanced education degrees.

2. The number of middle and upper-income women struggling with debt are rising faster than lower income women.

3. The embarrassment and shame associated with personal financial crisis prevents women from reaching out and talking with other women or professionals.

4. They live in silent confusion, anxiety and fear.

Why I Do What I Do

Most personal finance education is generic and is the same old, same old and doesn't get to the heart of the matter. For many women, especially in midlife, it's so much more than math, spreadsheets and doing the numbers. 

It's also about the heart and soul, because life doesn't always go according to plan.

According to AARP, nearly two-thirds of U.S. women ages 40 to 79 have already dealt with a major financial “life crisis,” such as job loss, divorce, the death of a spouse, or serious illness.  (AARP - Understanding Women's Financial Needs and Behavior). 


Fewer than two in 10 women feel “very prepared” to make wise financial decisions. Half indicate that they “need some help,” and one-third feels that they “need a lot of help.” (Financial Experience & Behaviors Among Women - Prudential Research Study) 

Create a Path to Financial Wellness that's Better than Spreadsheets or Math

You have amazing talents and gifts to share with the world, yet it's hard to find your voice and true self under the weight of personal finance burdens. I totally get it.

That's why Fear.less Girl Financial is changing the conversations, education and advice around personal finance for women 40+ beyond budgets, spreadsheets and math to one of forgiveness, love and hope.

As a Financial Wellness Specialist and Certified Finance Educator, I'm here to help you on this journey so you can leave behind the confusion, anxiety and fear about your finances to gain clarity, peace, fear.less abundance and yes, fun! 

You got this!