Illustration: Kagan McLeod

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Mary Caraccioli, host of We Owe What? on the Live Well Network
Do This Now: Stop delaying your savings! So many women say they haven't done enough research to enroll in a 401(k) plan, but it's far better to act now and tweak your allocations later than to delay building any security at all.

Do This Soon: Pick one intimidating financial situation—whether it's saving for a house or getting rid of your debt—and meet with a financial adviser. You can find one through the National Foundation for Credit Counseling. A single session can put you on the right path.