As women, we all start out as single ladies trying to make it on our own. But when women begin coupling off into marriages, they have a tendency to default to their spouses to make important money decisions. For many, it’s a welcome relief to have a partner who’s willing to take the lead on more of the financial responsibility and plan for things like buying a home, saving for retirement and your children’s college funds.

And I see it happening all around me as several of my girlfriends who were great at managing their own money before marriage, have taken a backseat in this area once they got hitched, even though many of them earn as much or more than their husbands. Taking on the more “traditional” role of handling the day-to-day spending, they comfortably go along with their husbands’ financial plans for their families.

But this arrangement can bring a false sense of security as many women end up returning to singledom sooner than expected. No one wants to think about it, but between divorce and the fact that women statistically outlive men, as many as 9 out of 10 women will be solely responsible for their finances at some point in their lifetime, according to the National Center for Women and Retirement.

Regrettably, those who’ve failed to prepare for these situations could find themselves flailing during one of the most difficult times in their lives.

I’m scared this could happen to me. And whenever I bring it up to my friends, most of them seem skeptical. They acknowledge the need to step up and be more financially savvy, but before you know it, we’ve moved onto a lighter topic of conversation.

This is what inspired me to do this music video PSA. I rewrote the lyrics to Beyonce’s “Single Ladies” because much of her music is synonymous with empowering women.

Studies have found that many women don’t have confidence in their money management abilities, and understandably, they want to educate themselves about investing before jumping in. But interestingly, despite a lack of confidence, when women do take control, they can outperform men in saving and investing. Even Queen Bey falls back on her more confident alter-ego “Sasha Fierce” from time to time. So if you have to fake it ’til you make it with a fiercer version of yourself (my alter ego’s name is “Je Ahn Say”), do it now. Because living in denial won’t pay the bills and it’s important to act before it’s too late.

Ultimately, learning how to spend, save, and invest wisely can take time, and the earlier you start, the healthier (and richer) your financial future will be. And being proactive about your money is something women (everyone, really) should do regardless of their marital status – at some point in their lives, women will need to learn how to manage it themselves.