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

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

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

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