Ten Reasons Women Must Save and Plan More for Retirement Excerpt from a presentation given by Diane Oakley of TIAA-CREF to The Women's Research and Education Institute 10. Women live longer than men. Women earn less money than men.
Women change jobs more frequently than men.
Women leave and rejoin the work force more frequently than men. Women tend to work in jobs less likely to have employer-provided retirement benefits. Women in the work force in the 1960s and early 1970s were adversely affected by laws restricting jobs, overtime, and hours. Women who do receive retirement benefits receive significantly lower benefits than men. Women tend to invest more conservatively.