Women face unique financial challenges that men will likely never encounter. Consider that at retirement women have a third less in retirement savings than their male counterparts. That’s typically because women earn less and work less over their lifetime compared to men. In the 20th edition of “Smart Women Finish Rich,” author and Co-Founder of AE Wealth Management, David Bach sounds the alarm for women to alert them to this issue and incentivize them to make changes.Here are the takeaways: 80 percent of men die married; 80 percent of women die widowed. The average age that women are widowed is 59. That means women need to be better prepared financially for life on their own in old age. First steps first, couples need to share their financial information. Men need to let them know about any and all 401(k) plans, insurance policies, bank accounts. That information will be critical for women who may be on their own for the first time in their lives. Now’s the time to be conservative. Stocks (if you reinvest dividends) are up 400 percent since the end of the financial crisis in 2009. Take a listen to the podcast! Follow me on Twitter @gerriwillisFBN and on Facebook, where my handle is GerriWillis. You can also find me on Instagram at Gerri_Willis. Bottom line, I want to hear from you! What money issues do you want to explore? Tell me and we will get it on the podcast. Have a great day and remember, Rich is NOT a Four-Letter Word! If you enjoyed this podcast, leave a review!