Thirty percent. And nearly one-third of single women 65+ are classified as poor. More than one-third of women in the US can expect to live to at least 90.

If you are working, make sure you are contributing to your 401K up to the maximum that is matched by your employer; don't be tempted to withdraw the funds before retirement; and roll over investments if you change jobs.

For those who are stay-at-home mothers, two bills (S 816 and HR 1421) have been introduced to allow nonworking mothers to earn Social Security work credits for the years they spend caring for children under 7.

Reitrement may seem a long way away, but if you don't start saving now, your golden years aren't going to seem very golden.

Gillian Parrillo
SaWomen