The 1974 Rule: Why Women Retire PoorerHow an outdated career standard drains your pension.

Uncover the structural bias driving the massive gap in elder financial security. Vesting cliffs were originally modeled on uninterrupted male career trajectories, heavily penalizing anyone who pauses work for caregiving. Modern matching systems still carry this historical penalty. Understanding this mechanism shifts the blame away from personal failure and exposes a system designed for a completely different workforce.

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