00:00What are the main reasons for this gender gap?
00:04The main reasons for this gender gap
00:07that we have wanted to deepen in recent years,
00:09collecting important data on literature and the market,
00:13but also deepening with our annual observatory,
00:18are due, first of all, to a greater financial fragility of women,
00:23who notoriously have a lower employment rate,
00:27also have a gender pay gap,
00:29so they are paid less, let's say, in a direct way,
00:34and this means that they also have more unstable incomes,
00:37and, in fact, lower averages,
00:39so less opportunity to invest, to save,
00:42and therefore to grapple with financial issues.
00:48Cultural themes are added to this,
00:52cultural themes on the fact that women
00:56do not talk about money,
00:58also for an educational reason,
01:00that money is a great taboo for women.
01:05And to this, a determining element is added,
01:08which is the latest deepening
01:11that emerged in the 2024 Dofini Index,
01:14which is also linked to the time factor.
01:16And the worrying thing is that,
01:18obviously, if they are single women,
01:20they have a level of decision-making autonomy,
01:24and also a financial decision-making weight,
01:28therefore, on financial decisions,
01:30it is important because they are single,
01:32so they have no other means.
01:34But when they enter a family status of a couple,
01:38regardless of the fact that they work less
01:40and earn less than the husband,
01:43there is always an important gap of 12 points
01:47in favor of women,
01:49in terms of decision-making weight
01:51in the face of financial choices.
01:53The percentage of women is much lower.
01:55And the main reason,
01:57indeed, the main reason
01:59is that women emerge
02:01and occupy most of their extra-working time
02:05taking care of home and family.
02:09I quote, I am pleased to quote
02:11the Ipsos data of 2023,
02:13which tells us that women
02:16on average spend
02:19five hours a day
02:21of their time
02:23taking care of home and family
02:25compared to men
02:27who dedicate a little less than two hours.
02:29So this makes us understand
02:31that even if we wanted,
02:33there would not even be time to inform ourselves.
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