Only 19 percent of women over the age of 85 are likely to have a living spouse—meaning that if they need care, they’ll have to pay for the caregiver. (Photo: Getty)

The way women approach life can affect how they do financially—both during their working years and in retirement.

And a new series of white papers from Bank of America Merrill Lynch is highlighting the challenges presented by those different life paths. The first, “Women and Life-Defining Financial Decisions,” focuses on how different aspects of women’s lives can have an impact on their financial security long term.

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