Core Insights - Women are planning for longer life expectancies, with a median anticipated life expectancy of 90 years according to a survey from the Transamerica Center for Retirement Studies [2] - Despite this expectation, many women lack sufficient retirement savings, with 27% of Generation X women and 19% of baby boomer women reporting savings of less than $25,000 [3][4] - Factors contributing to lower retirement savings among women include persistent gender pay gaps, career interruptions for caregiving, and limited access to retirement plans compared to men [4][5] Retirement Savings Status - A significant percentage of women have saved very little for retirement, with 22% of women having saved less than $10,000 or nothing at all, compared to 15% of men [3][4] - Across all generations, men report significantly higher median household retirement savings than women [3] Contributing Factors - The wage gap, caregiving responsibilities, and reduced access to retirement benefits are key reasons for the disparity in retirement savings between men and women [5][6] - Women typically receive smaller Social Security benefits due to lower lifetime earnings, as benefits are calculated based on the 35 highest earning years [6] Strategies for Improvement - Women can enhance their retirement savings by taking several steps, including saving early, working longer, and delaying Social Security benefits to maximize monthly payouts [4][7] - Delaying Social Security benefits until age 70 can result in an increase of 8% per year, leading to a benefit that is 124% of what would be received at full retirement age [8] - Research indicates that couples often retire around the same time, and since women tend to marry older men, they may retire earlier than their spouses, potentially missing out on higher benefits [9]

结果一出来，矛盾点全暴露了——有人觉得工资给少了，有人说给够了，还有的国家认知和现实根本对 不上。 一、整体认知：员工和雇主各说各的，差了15个百分点 先看最核心的一组数据，就能明白两边的分歧有多大。 最近泛欧人力资源公司SDWorx搞了个大动作，直接把欧洲打工人的工资满意度底给扒了出来。 这场调查不是小打小闹，覆盖了16个欧洲国家、15个工种，足足问了16000名员工，连雇主那边的想法 也一并摸清了。 SDWorx的调查显示，总体而言，49%的欧洲员工都觉得自己的薪酬偏低。但雇主那边的说法完全是另 一回事，64%的雇主坚称自己给的工资很公平。 这就意味着，近一半员工在抱怨"钱不够"，超六成老板觉得"给多了"，双方的认知差了15个百分点，基 本是各说各的。而这种认知鸿沟，在英国和爱尔兰表现得最夸张。 这两个国家的雇主和员工对"公平薪酬"的理解，差距直接超过20个百分点，是所有受调查国家里最大 的。 说白了就是，老板觉得自己已经很大方了，员工却觉得压根没给够，两边完全不在一个频道上。 二、分国家看：巴尔干最愁钱，荷兰人笑得最开心 工资满不满意，国籍是个关键变量。整个欧洲基本分成了两派，一派愁眉苦脸，一派相对淡定 ...