Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.