Financial independence after divorce is more than a goal—it’s a necessity. Too often, women stay in toxic relationships because they lack the means to leave. Money is not just a number on a page; it is a tool that represents agency, safety, and freedom. Reframing financial literacy as essential self-care allows women to reclaim their futures.

Ashley Miller, known as Madam Trader, emphasizes that wealth-building is not about greed, but about dignity. From closing the gender wealth gap to demystifying investing, her approach shows that every woman, regardless of her starting point, can build a stable financial foundation. Her frameworks move beyond survival budgeting and point toward long-term empowerment through consistent, intentional choices.

The conversation underscores a critical truth: saving alone is insufficient. Inflation erodes purchasing power, and compounding is the only way to grow wealth sustainably. By combining emotional resilience with practical steps like tracking expenses, building emergency funds, and investing through accessible platforms, women can break cycles of dependence and step into true independence.

Ultimately, financial clarity requires honesty, not judgment. It is a process of aligning spending with values, avoiding comparison with ex-partners, and committing to investing in both personal well-being and financial security. The result is not just stability, but a future of possibility.

Meet the Expert

Ashley Miller, founder of Madam Trader and a seasoned finance professional, has dedicated her career to making financial education accessible for women. After witnessing the lack of women in trading rooms and recognizing the devastating impact of the wealth gap, she launched her platform to amplify women’s voices in finance. As a divorce coach and advocate, Ashley blends practical expertise with empathetic guidance, making complex financial concepts approachable and actionable.

The Big Idea

The central theme is simple yet transformative: financial literacy is freedom. Divorce often exposes vulnerabilities, particularly around money. For women, the challenge is not only recovering from the emotional upheaval but also building a sustainable financial path forward. By treating financial health as vital as physical or emotional health, women can reclaim their independence and ensure that no relationship, circumstance, or crisis leaves them trapped again.

Key Takeaways

• Start with honesty, not shame: Take inventory of assets, debts, and cash flow without self-judgment.
• Prioritize essentials: Cover fixed expenses first, but also include self-care and “fun money” to avoid burnout.
• Budget for meaning, not competition: Children value experiences and emotional connection, not dollar amounts spent.
• Build a safety net: Secure 3–6 months of expenses in a high-yield savings account before investing.
• Invest early and consistently: Inflation erodes savings—only compounding through investing creates long-term freedom.

Tools, Strategies, or Frameworks Mentioned

Pre-Investing Checklist

• Emergency fund (3–6 months of expenses)
• Pay off high-interest debt (>7%)
• Maximize employer retirement account matches

Accessible Investment Platforms

Tools like Ellevest, designed for women by Sally Krawcheck, offer impact-driven investment portfolios and education.

Mindset Framework

Treat investing like fitness training: start small, stay consistent, and focus on long-term growth rather than quick wins.

Final Thoughts

“Don’t wait for someone else to take care of your financial future. The sooner you start, the sooner you reclaim your freedom.” — Ashley Miller

Divorce can spark fear about survival, but it also offers the opportunity to reset. With intentional budgeting, honest financial self-assessment, and a commitment to investing, women can move from financial insecurity to empowerment. Building wealth after divorce is not just about money—it’s about dignity, resilience, and the power to design a future on your own terms.

Learn how to navigate divorce & co-parenting with Michelle’s acclaimed courses.