As many financial advisors have found out over the years, women think differently than men when it comes to money and retirement.

New research from Lincoln Financial Group found that emotions such as hope and fear influence women more than men when it comes to saving for retirement. Women also are more concerned than optimistic about retirement issues such as being able to pay day-to-day expenses, converting savings to retirement income, maintaining their current lifestyle in retirement and saving enough to retire on.

Both men and women avoid making financial decisions, but women in particular fall into this group, according to Lincoln Financial. The group's research also found that 73 percent of women are not fully engaged in making financial decisions, possibly because they rely on their partners to do it for them.

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