"In general..."
It feels like there’s no one right answer here.

The same woman/girl can live her life in completely different ways depending on the situation.
For example — I dated my ex for over six years. Back then, she only wanted to deal with the “household” part of the budget. She had zero interest in investments or anything related to financial safety nets.
After we broke up, she suddenly got into budgeting, started learning about saving and growing money — and now she’s doing just fine on her own.

So how do you even answer a question like that?
If the same person can treat money management so differently depending on the life context — even over a pretty short period of time?