Diane Maxwell wants women to pick up their calculators and start making some tough financial decisions based on cold, hard numbers.
The newly appointed Retirement Commissioner is hot on the topic of raising financial literacy among women and believes part of the problem is that some women take an "emotional and spiritual approach" to their money.
Maxwell says women are often caught up in how they feel about making a financial decision while blokes have their calculators out doing the numbers.
She says women need to take their money decisions seriously.
"Women get to retirement with less money, they take time out for kids and earn less. They don't always make cold, calculated decisions."