We’re (finally) in the home stretch of 2020. What a disruptive year for so many women, with the pandemic and “she-cession” revealing some deep truths. In the spirit of end-of-year reflections, here are some of the things we know — and want everyone to know — about women and money:

Money is women’s #1 source of stress. Taking action, like saving and investing, is the #1 driver of our confidence in achieving our future goals.

Money is more than just money. It’s our future, our ability to quit the job we hate, our dreams for our children, the positive way we can impact the world around us, the ability to leave relationships that no longer work for us, the business we want to start, the trip around the world we want to take.

If you don’t control your own money, you don’t control your own life. (Even your grandma had the secret stash of money in the cookie jar.)

When women outsource the management of their money to their partner, 74% have a negative surprise when it comes back to them. 74%. Not 20%, not 40%, not half. Nearly three-quarters. (And for most women, it’s likely that money does come back to them, since 74% of us die single.)

Couples who talk about money are happier than those who don’t. 78% of couples who talk about money every week say they’re happy. That number falls to 60% for couples who only talk money every couple of months. And for couples who rarely talk about their finances? Only 50% are happy.

Gender pay gaps are just the tip of the iceberg. When we talk about getting more money in the hands of women, we tend to center the discussion around getting the raise. We’re all for that. But the gender wealth gap (how much you keep) is much, much worse than the gender pay gap (how much you’re paid).

Find 12 more truths here.