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 Tuning Your Social Security Benefit When should you take your Social Security benefit? Social Security Benefits: How Much Will I Receive Calculating your potential Social Security benefit is a three-step process. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.