These are the three important things women say would indicate financial independence.
Is the implied condition “these are the three important things women say would indicate financial independence if they had those three important things”?
"women say" isn't part of the conditional. Women say that these three important things would indicate financial independence. Probable implicit conditional: if women had them .
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"women say" isn't part of the conditional.
Women say that
these three important things would indicate financial independence.
Probable implicit conditional: if women had them.
So yes, it's essentially what you said.
CJ