Millennial men are from the planet of "health and saving money,"while millennial women are from the planet of "financialsecurity."

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Related: Millennial couples happier with moneytalk

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So says a study from Schwab Retirement Plan Services, which foundthat millennial men and women not only view retirement differently, they differ in how theyplan and save for it.

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While millennial men are almost evenly split between beingconcerned about being healthy enough or having enough money toenjoy retirement, millennial women are overwhelmingly moreconcerned with financial security once they stop working.

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Female millennials, the study found, report uncertainty andstress related to saving enough for a comfortable retirement in fargreater numbers than their male counterparts.

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And females’ concerns about having enough money in retirementare borne out in their anticipated age of retirement. Roughly athird (31 percent) of millennial women think they will still beworking at age 70, compared to just 22 percent of millennial menwho feel the same way.

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That indicates that these women believe they’ll need a few extrayears of income to ensure a comfortable retirement.

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When asked which concerns them more, being healthy enough toenjoy retirement or having enough money to enjoy retirement, 54percent of millennial men and just 30 percent of millennial womensurveyed say being healthy is the greater concern.

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Forty-six percent of men and 70 percent of women, theoverwhelming majority, say having enough money is the greaterconcern.

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And they’re worried more about money despite the fact that maleand female millennials say they are in good shape, physically andfinancially, in virtually equal numbers.

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Eighty-six percent of millennial men and 84 percent ofmillennial women report being in good personal health, and 77percent of millennial men and 79 percent of Millennial women reportbeing in good financial health.

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The survey also found a large confidence disparity betweenmillennial men and women when it comes to their own retirementpreparedness. More than half of millennial men (55 percent) believethey are saving enough to retire when they want to, compared withjust 42 percent of women.

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