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Candace Bahr, left, and Ginita Wall, right, founders of the Women's Institute for Financial Education, pose in front of the house they use as an office in Carlsbad, Calif. The growing chain of "money clubs" help women educate themselves about personal finance. (AP Photo/Denis Poroy)

A new survey from ING DIRECT and DailyWorth.com reveals that women are not as prepared for retirement as their male counterparts. In fact, women are out of touch when it comes to the basics of setting up a retirement plan, expressing surprising levels of fear when it comes to their golden years, the survey says.

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