Women must take retirement more seriously than men. The simple reason is they live longer. There is a 48% chance that one spouse will live to 90 based on a married couple both aged 65. Women tend to outlive men by five to seven years and 80% of centenarians are women!! These are numbers, not opinions. If a woman does not take control of her financial future, the chances of dying in poverty are significantly higher than a man. The really scary part is less than 74% of women age 50 or over have an adviser to help them make financial decisions. This is a crisis in the making if there ever was one!!