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 Women typically have a rougher time financially than men. They live longer in retirement; depend more on Social Security (usually at a lower rate than men because of lower salaries and less time in the workplace), and have less income and less chance of it from a 401(k) or defined benefit plan (again, because of generally lower salaries and less time in the workplace). They also are more likely to have raided what retirement savings they do have to deal with financial emergencies. 

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