When planning for retirement, various challenges and hurdles can get in the way. These obstacles can often be different for men and woman, and may leave women at a greater risk for financial crisis during retirement. It is no secret that unfortunately women earn a lower salary than men in many cases. Plus, according to the recent 17th Annual Transamerica Retirement Survey, women are paying higher medical costs (approximately $600 more than men annually). This leaves less money to work with when it comes time to put funds into retirement savings.