Sallie Krawcheck quotes:

Networking is the No. 1 unwritten rule of success in business.

Fundraisers treat men completely differently than women. As a matter of fact, many of them have the default on their direct mail set up to read "Mister," and it really rankles a lot of women.

I think that indicates why men tend to invest more wealth. If he loses some, there's more coming in. Whereas for women, it's like "Ugh, I gotta keep this."

I was lucky. My children didn't have health issues, didn't have big school problems, etc. And as I watched some of my peers go through this, you can see how quickly a family can get derailed when they are not lucky.

In our corporate culture, because someone may have to take some flexibility because of family issues, somehow we continue to believe they aren't fully dedicated.

Facts are that the financial advisers on Wall Street today or anywhere depending on which firm, what point in time - 85 to 88 percent male, and that is part of why investing for women they tell us feels unapproachable because they don't see people who look like them.

If a woman is making $85,000 a year, putting aside 20% of her income, putting it in a bank, earning very little...Over the course of her life vs. investing, this can cost her $1.5 million, $2 million, $2.5 million. Life changing amounts.

Emerging investors want to invest differently. They want to have their dollars - their investment dollars - do double duty.

Greater diversity drives better business results.

I can tell you that my experience has been that the gentlemen are more likely to come and ask for the order, ask for the raise, ask for the promotion, and that the women are less likely to do so.

I had very good bosses, very good companies for which I worked. I worked in industries where the results really mattered; it wasn't the perception of results, it was just the facts.

I want to buy a house. I want to retire well. I want to have baby...

If a woman was successful, she wasn't helping other women.

If you're not making some notable mistakes along the way, you're certainly not taking enough business and career chances.

People say to me, 'Has being a woman helped or hindered your career?' And the answer is yes.

If a woman waits 10 years to invest, "I'm busy", "I've got to do this", "I can put it off", "I gotta find the right financial..." It costs her $100 a day. $100 a day! And if we had money falling out of her pocketbook at the rate of $100 a day, we'd change our pocketbook; we'd fix our pocketbook.

How about mandated parental leave.? Oh, okay. Less than 20% of companies in America have it. Most of them think about it as an expense. What's the bigger expense? The bigger expense occurs if women have babies and don't come back to work.

Men tend to leave their financial adviser at a single-digit-percent rate in any given year. And women leave their husband and their joint financial adviser in the year after their spouse's death at a rate of greater than 70 percent - seven-zero.

A computer can have so much more in its brain that a human can.

As we work together and pool our resources, there's room for everyone to be successful.

Companies that put a mandated parental leave in place save money in the first year, FIRST YEAR. Because they don't have to hire to replace the woman.

I love what's going on these days with these powerful women who are really working to make a difference.

I prefer the word "engagement." Instead of empowerment, it's enabling women to engage in business.

I would say one of the reasons that women don't invest to the same extent that men do, is because we still think of it in some ways as a male pursuit.

If it comes down to your ethics vs. a job, choose ethics. You can always find another job.

If you haven't had a major fail in your career - face-plant level - you aren't trying hard enough.

I'm really putting my life towards helping women to invest, and there's a circular reference here because if women can invest and give themselves the opportunity to earn higher returns, they can start those businesses. They can go to work with a little more confidence to ask for that promotion, to ask for the new assignment, etc.

Nothing bad happens when women are in positions of power.

Something happens in the middle when women are in their 30s, and we can start with an array of things that happen, whether it is - you hope this doesn't exist any longer - but overt discrimination; whether it's subtle gender discrimination, which absolutely does exist among men and women; whether it's the fact that it gets hard to juggle at that point children, housework, etc. But people still have to go home and cook the dinner and clean the dishes and get the beds made and so on. And so, for a whole bunch of reasons, women tend to fall out in their 30s still today.

Technology is going to play an increasingly, increasingly, increasingly important role in every industry. And it's good.

The industry financial advisers, on average about 85% male, tends to be a more mature financial adviser - so I think in their 50s, really. For so many companies, in their 60s. In fact, there is one company that was telling me they had more financial advisers over the age of 80 than under the age of 30.

The truth is, if you are a woman saving 10% of your income for retirement, and you put it in the bank account, your chances of retiring well - living on 90% of your pre-retirement income for your full life - is 0%.

There is absolutely nothing that beats hard work.

Typically, when you ask a financial adviser sitting with a couple: Do you treat the man and woman differently? They say, "No!"

We don't recognize the power of compounding.

What I saw a thousand times during the downturn was, 'We'd like to give her that opportunity, but we need to go with the sure thing - we can't afford diversity right now,'

When I started on Wall Street, there was pretty good diversity in those junior ranks. And you know what? It hasn't made it to the top.

When you speak to a man or a woman about money, they will use water visualizations. For men, it typically is a river. Money comes in; money goes out. The level rises; the level sinks. For women, when you talk about money, to her... it's a pond. It's a set amount. She husbands it, and it typically goes in one direction... which is down.

Women have different characteristics and needs than men do.

Women tell us that they do feel patronized. They do feel like they don't have the time and the space to have their questions answered.

Women tend to collaborate, in my experience, more easily than gentlemen do.

Women tend to have a better track record in investing - when they invest - than men do, because they tend to take a longer-term perspective. They tend to trade less. They tend to shift in and out of stocks or mutual funds less often.

Women tend to live longer than men do. Women tend to have, unfortunately, their salaries peaked sooner than men's do. Both of these things are extraordinarily important in putting together financial and investing plans for women.

Women tend to very much, very much think of money as a means to an end, not as an end in itself.

Women, girls and young ladies tend to be as good or better at math than boys, but you didn't think that either...

You have six math Ph.D. Caucasian gentlemen from the Northeast of the country, great. You put one more in the mix, you haven't added much. It's only when you add something different that you really are able to accomplish more.

Your adrenaline starts to go when the market opens in the morning. It's like sports programming.