While the poor retirement preparedness of U.S.workers in general is common knowledge, there are specialchallenges facing women, minorities and millennials.

That’s according to a white paper from the Washington,D.C.-based Financial Services Roundtable, which pointed out thatwhile “[w]omen comprise 47 percent of the labor force in America,and women over 25 are nearly as likely to have earned a bachelor’sdegree as men — 29.6 percent of women compared to 30.4 percent ofmen” — that’s not an indication of parity in pay, with women’smedian weekly earnings for full-time wages and salaries only amountto approximately 81 percent of what men make.

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