Credit card analysis out today says on average $4113 is when the average Australian starts panicking about debt. 

Men don’t start feeling concerned until almost $5000, while women start at $3600. 

It has also found that women don’t like to take big risks when it comes to money. 

Rita Panahi, Herald Sun columnist, says women aren’t as confident as men in taking the financial plunge. 

‘You do need to make those bold decisions to accumulate wealth or else you aren’t going to go anywhere,’ she told Tom Elliott.

This involves investing and taking on any outstanding debt.

Rita says it is all about ‘hesitation’ and ‘self-belief.’

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