Research indicates that women remain less financially prepared for retirement than are men. Little research has examined the gender difference in use of retirement plans. The present research assessed the gender difference in use of employer-sponsored and private retirement plans, and sought to account for this difference. Social status and human capital factors, occupation and industry of employment, and sense of financial self-efficacy were expected to account for gender differences. Findings indicated gender has no relationship with use of private retirement plans. However, females were found to be less likely to use an employer-sponsored plan, and this was largely accounted for by gender differences in occupation.

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In this study of 26 employed, West Texas women caregivers, we found that women worried that they would not be able to give their family members the care they deserved because of the multiple demands placed on them. Women actively negotiated working conditions to achieve flexibility. Women who did not have access to flexibility often changed jobs until they had working conditions that provided it. Work provided a respite and a chance to feel some measure of control. In spite of the importance of work to them, these women paid costs for balancing both roles.