Women have 1/3 of the median retirement savings of men, driven by lower lifetime earnings, caregiving & career interruptions. Motherhood penalty: Mothers with one child earn 28% less than childless women & 16% less in Social Security benefits.
https://www.govexec.com/pay-benefits/2026/03/women-federal-service-still-face-retirement-gaps/412049/?oref=ge-mini-feed
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