Women are already used to doing more with less — lower salariesmean stretching budget dollars further, and sometimes mean findingadditional paid work to make ends meet when those dollars start tosnap back. And often that’s all done with less time spent in theworkforce, thanks to caregiving and other responsibilities.

They’re behind the curve when it comes to retirement, too, witha smaller pool of money to save from to pay their expenses oncethey’re no longer working. But according to a Wall Street Journalreport, health care is likely to cost them 20 percent more inretirement than it will men.

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