Women still face challenges to a fulfilling retirement, mostly because of a lack of money. But there is hope on the horizon, according to the Transamerica Center for Retirement Studies, which says women can take small steps to build to a big payoff in retirement.

“Retirement will be unique for each woman, but the tools to help achieve retirement readiness are common to all. Now is the time for every woman to focus on achieving a financially secure retirement,” says Transamerica in the 16th Annual Transamerica Retirement Survey.

Following are eight things women can do to paint a better picture for their retirement readiness.


No. 8: Start saving consistently for retirement. Save as much as you can, knowing that both small and large amounts add up over time.