For 2 college graduates, one male and one female, to save the same amount of money for retirement, the man would need to save 10 percent while the woman would have to save 18 percent, TIAA says. (Photo: iStock)

Women not only lag behind men when it comes to equality in pay, but they’re also handicapped in saving for retirement and in retirement itself.

That’s according to a TIAA white paper, which explores the unique handicaps women face not only in saving for retirement, but also for actually surviving financially once they’ve left the workplace.

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