New Delhi, May 10 -- Ask a working mother what her family's financial plan looks like and the answer is usually a variant of the same sentence: her husband handles all that. Ask him and he'll describe the SIP, the term policy, the mutual fund quietly building their future. He isn't lying. He just hasn't noticed that her name is on none of it - that she doesn't have the app password, has never spoken to the advisor, and if something happened to him tomorrow, would spend months locating assets that were always hers too. This is not a story about absent husbands. It is a story about a system built around a single earner, a single decision-maker, and the assumption that a woman's relationship with money is, by design, secondary.

That assumpt...