2. Believing the myth that "A man is the plan": In the 1950s, the best way for a woman to acquire wealth was to marry a rich man. This is no longer true. Four out 10 women are the primary breadwinners for their families, and women are creating wealth in their own right, author Liza Mundy reports in her book, "The Richer Sex: How the New Majority of Female Breadwinners Is Transforming Sex, Love and Family."
Despite these advances, some women still rely on meeting Mr. Right as a retirement strategy.
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Keep in mind that you may meet Mr. Right, but he may come with debt or decide to divorce you just as he enters his pre-retirement years. The sad truth is that a woman's income usually drops by 40 percent post-divorce, whereas a man's declines by 25 percent, according to "Family and Retirement: The Elephant in the Room," a study from Merrill Lynch Wealth Management.
The best strategy is to be financially responsible for your own retirement and proactive in funding that account, married or single. This way, if you find a relationship that is fulfilling and dreamy, you can enjoy it and not have to worry about relying on a man as your plan.