You know that old saw about women having to work twice as hard as men? When it comes to retirement saving, it’s pretty much true—because they face handicaps that men don’t.

That’s according to a Financial Finesse report, “2015 Gender Gap in Financial Wellness,” which found that, although women are “slowly becoming better prepared for retirement,” there’s still a need for progress because “they face even higher hurdles than men due to longer life expectancies, higher lifetime health care costs, lower median savings and lower median income.”

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