Expectation of future financial condition can be a powerful motivator of an individual’s financial management. This study found no difference in male and female financial managers’ expectation of future financial condition. There were some differences in the determinants of expectation. For both sexes, positive relationships were found between expectation of financial condition in 5 years and (a) general locus of control, (b) financial locus of control, and (c) perception of present financial condition compared to 5 years ago. Age was inversely related. For females, education and satisfaction with level of consumption also were related positively. Key Words: future financial expectation, gender differences

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