Women are typically the caretakers of the family. Whether making school lunches, driving kids to and from practice or caring for an elderly family member, women shoulder the caretaking burden more than men. In exchange for the love and support, they take a hit on their salaries and savings for their retirement planning, unlike most men. Also, because women have longer life spans than men, they are at higher risk for having no one to rely upon to take care of them (children are often far away) and need more long-term care services.