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The Free Financial Advisor
The Free Financial Advisor
Catherine Reed

Why Women Over 40 Are Twice as Likely to Outlive Their Retirement Plans

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For many women, the dream of a comfortable retirement is shadowed by a hidden risk — running out of money too soon. Statistics show that women over 40 face a much higher chance of outliving their savings compared to men, and the reasons are both financial and societal. Longer life expectancies, career breaks, and wage gaps all add up to a retirement that could last decades, but without the resources to sustain it. Without planning, those years could mean financial stress instead of freedom. Understanding why women over 40 are twice as likely to outlive their retirement plans is essential to building security and peace of mind for the future.

1. Longer Life Expectancy Increases the Risk

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