Why aren't women in the U.S. better at saving and managing their money? I've heard all the excuses: "I don't have time ... I'm too disorganized ... I don't do numbers ... My husband does that." As I discuss at length in my new book, Make Money, Not Excuses (Crown Business), I'm convinced that the real reason is a thought process that goes something like this: "I don't have anything to wear! I'm going to buy that dress, that skirt, that bag, those shoes!"