Studies that have examined women’s finances have looked at householdsrather than individual women, since traditionally women spent most of their lives married andthus traditionally made financial decisions jointly with aspouse.

But that’s no longer the case, according to a brief from the Center for Retirement Researchat Boston College, which finds that as time has passed, women spendless of their lives married—and that changes the dynamic.

It also changes—drastically—the way women need to plan and save forretirement, since the financial needs of a woman alone aresubstantially greater—and different—than the needs of a woman whois part of a couple.

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