Women in the U.S. are largely unprepared for retirement—and it’s not entirely their fault. Due to wage gaps, caregiving responsibilities, and career breaks, women earn less and save less over time. Most experts say women need between $1.2 to $1.8 million to retire comfortably, yet fewer than half are saving, and one in three fear they won’t have enough to cover basic monthly expenses. The crisis is worsened by the fact that women live longer than men. The best advice? Start early, contribute consistently to a 401(k), and aim for 5–15% of your paycheck.
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