Most women have a tough time financially throughout their careers—and when it comes to retirement, it gets even tougher.

Fewer years spent in the workforce, where they still earn less than men; often without access to a retirement plan; serving as unpaid caregivers for children and/or elderly relatives; living longer, which not only means they'll spend more money overall during their lifetimes, but also on health care—and also do without the unpaid care that many have no doubt already provided for family members—the list goes on and on.

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