Thanks to a number of handicaps,including lower-paying jobs, the gender wage gap and prolongedabsences from the workplace from caregiving or raising children,women don't save enough for retirement but have a hard time doingso even when that's their goal. (Photo: Shutterstock)

We already know that the U.S. is heading for a retirementcrisis, with 40 million working-age households lacking any retirement savings, according tothe Federal Reserve Bank's Survey of Consumer Finances.

In addition, the percentage of Americans who even have access toa retirement plan has fallen since 1979—not good news.

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