Abstract
<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt 40.5pt;"><span style="font-family: &quot;Times New Roman&quot;,&quot;serif&quot;; color: black; font-size: 10pt;">The good news is that only 6% of senior citizens in the United States live in poverty, however, the bad news is that 75% of seniors in poverty are women. The challenge for women is to develop an investment plan that will enable them to reach financial freedom by the time they are ready to enjoy retirement.<span style="mso-spacerun: yes;">&nbsp; </span>Early recognition of obstacles due to gender-differences is the first step towards financial nirvana.<span style="mso-spacerun: yes;">&nbsp; </span>Women need to understand that the best way to achieve their goals is by taking an active role in the financial planning process at an early age and staying the course.<span style="mso-spacerun: yes;">&nbsp; </span>The numerous financial education resources available can help women gain confidence to empower themselves to face the challenges of retirement planning with a renewed vigor.</span></p>
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