a) Women are less likely to have pensions when they retire. b) Women live longer than men, increasing chances of outliving their assets. c) Women have average lower lifetime earnings because of pay-inequity and time out of work force to care for family. d) All of above.

The answer is d) all of above.

Women are living well into eighties and many will spend more years in retirement than they ever did working. As you can imagine, this is placing a tremendous strain on Social Security system. One of best ways to be prepared for retirement is to prepare yourself.

"Forty-two percent of all women over seventy-five are living on less than $13,000 a year, and when Baby-Boom women retire, only an estimated twenty percent of them will be financially secure" according to a special report titled "Why Most Women Can't Afford To Retire" in current issue of Ms. Magazine. It is estimated that only 20% of boomer women (born between 1946 and 1964 will be financially secure in retirement.

Here's some wisdom for women planning for retirement:

1. Statistics show that 80% of women will need to take charge of their own finances at some point in time. It is important for them to fully understand their personal finances and investments. If you don't understand your finances, ask your husband to explain them to you, enroll in a class and your local community college or learning center or check out some financially related books from library.

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