Moms and money

From Lucid Marketing, a company specializing in marketing to moms:
 
MONEY: What's Happening At Home?
Marketers often consider income as a factor in determining whom to target in a household with sales and marketing messages -- individual income should no longer be a primary factor.

In recent research revealed by lucid marketing, 79 percent of moms earn less money than their husbands, but moms control money management.

Some of the study's significant findings include:

BILL PAYING
Moms are very active in bill paying, with 76 percent involved in this responsibility. 46 percent are solely responsible for paying household bills, versus 24 percent of dads.
RESEARCH INVESTEMENTS
When researching investment changes, 78 percent of moms are participating. 34 percent do the majority of the research, versus 22 percent of dads.
MANAGING INVESTMENTS
For financial investments such as college savings, and retirement planning, 67 percent of moms participate and 21 percent are solely responsible. 32 percent of dads are solely responsible.

From the U.S. Census Bureau

One in six first births to women 15 to 29 years old in 1930-34 were conceived before marriage compared to one in two births in 1990-94. During 1990-94, 41 percent of first births were born out-of-wedlock, 12 percent were conceived before women's first marriage and the remainder were conceived post maritally. Significant differences were found in the proportion of first births either premaritally born or conceived between white women (45 percent) and black women (86 percent). Hispanic women had an intermediate proportion of first births either premaritally born or conceived (54 percent). During 1990-94, 10 percent of black women who had a premaritally conceived birth were married by the time of child's birth compared to 27 percent in the 1930s. For white women, these percentages were 29 percent in the 1930's and 61 percent in years 1990- 94.

Women 15 to 19 Years Old

During 1990-94, about 85 percent of all first births to white women were either premarital or premaritally conceived compared with 25 percent during 1930-34. About 15 percent of all first births occurred postmaritally during 1990-94 with 75 percent during 1930-34.

About 98 percent of all first births to black women were premarital or premaritally conceived compared with 48 percent during 1930-34. Less than 2 percent of post maritally conceived first births occurred during 1990-94 compared with 52 percent during 1930-34.

For Hispanic women during 1990-94, about 81 percent of first births were premarital or conceived premaritally and 19 percent of births were conceived postmaritally.