If you find yourself unable to pay off your credit card balance every month, then by definition you are living beyond your means. Allowing this situation to continue can have serious consequences for your financial security, now and into the future. Time to look for ways to adjust your spending!

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Many surveys have shown that Millennial women tend to carry more debt than Millennial men, and that they make less money to boot. To compound matters, undersaving for retirement is common for men and women of all ages. If you’re a Millennial woman, here are some steps you can you take to help level the playing field and secure your financial future.

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I’m thinking of one client, Stephanie, who is 49 years old. Her husband had been unemployed for 18 months. Happily, he had just gotten a job, and they were excited for him to get started working again. But during that 18 month period, expenses had severely tapped their savings.

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