As if things weren't tough enough for U.S. women trying to save for retirement, now there's another handicap to consider: a shrinking position in the workplace.

A report from HRDive says that in addition to coping with lower salaries, prolonged absence from the workplace and longer lifespans that necessitate higher, not lower, savings rates, women's very presence in the workplace is losing ground.

In fact, the report cites a New York Times op-ed column that says women had it better in 2000, when their employment level hit its peak. Since then it has declined.

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