When their parents die, families disintegrate and meeting basic needs such as food, shelter, clothing, and education become extremely hard.

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Goldman Sachs has found that it is women who are redefining markets and creating growth by focusing their spending power on purchases such as food, health care, education, clothing, consumer durables, and financial services.

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That includes food, housing, transportation, clothing, health care, education, childcare, and other miscellaneous expenses.

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"Margins on gasoline sales are already so razor-thin they can't offer you 50% off like a clothing store could, " says John Ulzheimer, president of consumer education for SmartCredit.com, a money-management and credit website.

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