As a single person, I have the same set costs in housing, utilities to a great extent and food that a couple does, yet only one income to cover them.

What I don't have is a resentment towards my husband because he doesn't bring in as much money from his business but has no regret in spending, and I don't have a husband who has a gambling problems, from which I will never be able to recover. Those are situations in which two women I know find themselves.

But I do have more of a fear because I don't have that safety net of a husband, so I probably find it easier to stash money away to try and compensate for that.