When it comes to retirement, women are in even more trouble thanmen, says a new study.

Numerous studies indicate that a retirement crisis is pending, withmost Americans having saved barely enough to get through a singleyear—much less all the years of an entire post-employmentretirement and all the health care costs they’re likely tobring.

But women are particularly challenged in putting away enoughmoney to see them through the years when they leave theworkplace—and a new study from the National Institute on RetirementSecurity (NIRS), “Shortchanged in Retirement: Continuing Challengesto Women’s Financial Future,” examines what it calls the“three-legged stool … of Social Security, a pension, and personalsavings for retirement,” which it says is “broken, especially forwomen.”

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