We propose that Conservation of Resources theory can be applied through a gendered lens to understand how individual and socio-structural forces explain experiences of workers’ financial hardships over a six-month period (N = 455). Using latent growth curve analysis, we analyzed how energy resources (income), personal resources (money management skills), gender, and the community’s gender inequality predicted workers’ financial insecurity during a financial hardship. We also analyzed how the change trajectories of financial insecurity related to change trajectories in their health, work-family balance, and job attitudes over time. Results demonstrated that one’s income, money management skills, and gender predicted the initial perceptions of financial insecurity.