One time my wife parroted the "women retire with 30% less than men" so I said let's take me and you for example. I've been working and paying into social security since I was 16 with no break, I've been paying a lot into my 401k at my new job. 12% of every paycheck plus my employers 6% match and an annual 401k bonus from work. I'll make more when I retire than I do now of o stay one the grind. I asked her how long she's been paying into S.S., not very long because she went to college for music, switched to become a teacher, didn't like that and is now getting into the medical field. Asked her how long she's been paying into her 401? She didn't even know she had one. I asked her if any of this was my fault? And if I had any better treatment or opportunity than her? She now agrees women retire with less because of women not looking out for their own personal future.