KANSAS CITY, Mo. -- This Wednesday is Women's Equal Pay Day, the average date it would take a woman working full-time to earn what a man did in 2020.
Most women earn less than men throughout their careers, which translates to less financial security in retirement as well.
Median household retirement incomes for women are roughly 80% of what they are for men, according to the National Institute on Retirement Security.
Kara Knott, regional sales director for One America Retirement Services and chair of the Women in Pensions Network Kansas City Chapter, said reasons range from childcare expenses more often falling on women, to women living longer than men.
"Taking that first step in saving money and putting yourself first, I think that's a lot harder for women to do," Knott explained. "So, I think prioritizing yourself and your financial wellness is probably number two to educating yourself."
According to the Institute, women also are more likely than men to work in part-time jobs that don't come with pensions or 401(k) plans. And they are more likely than men to have to leave the workforce for family caregiving.
Daniel Doonan, executive director for the Institute, noted women also tend to experience higher health-care and housing costs in retirement, putting them at risk of outliving their savings.
"Health-care costs continue to grow faster than wages," Doonan pointed out. "If we're living longer, more people are going to need long-term care in retirement, which is very expensive, but it's very uneven."
Two-thirds of older people in a 2020 Survey reported they're more afraid of running out of money in retirement than death.
And with the economic setbacks of the pandemic, Knott observed many folks needed to prematurely start pulling money from their retirement plans.
"It's nice they had that safety net, and the ability to do so," Knott emphasized. "But for the folks that did, the impact of doing that can be very severe to their long term, because it's money that's been invested and earning interest."
She stressed more women now are in charge of their own finances than 20 years ago, but she added there is still work to do to ensure they have an equitable shot at a secure retirement, particularly Black, Brown and Indigenous women, who make even less to the dollar than white women.
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Voters in Arizona overwhelmingly supported and approved Proposition 139 last week, which enshrines abortion rights into the state's constitution.
The measure will allow abortions up to fetal viability, which is about 24 weeks.
But Fatima Goss Graves - president and CEO of the National Women's Law Center - said while ballot measures expanding access to abortion won in seven of the ten states this election, she contended there are still countless ways to restrict and upend abortion access even further, including nationwide.
"There is a long list of ways to target birth control, to target fertility treatments, to target our ability to control our own bodies, and to be fully equal in this society," said Graves. "We know that road will be long and hard."
Over the weekend Arizona was officially called for former President Donald Trump, awarding him the state's 11 electoral college votes.
Graves said Trump has promised to veto a national abortion ban, and to distance himself from the conservative playbook Project 2025.
She said reproductive rights advocates, like herself, expect the next administration to deliver on those campaign promises.
The state has a number of abortion restrictions and laws that directly conflict with Prop 139.
Until the election results are officially certified by Gov. Katie Hobbs later this month, pro-choice advocates say they'll likely file legal challenges to deem those current restrictions unconstitutional.
In a statement, the It Goes Too Far Campaign - a group opposing the measure - says "the fight against extreme abortion laws will continue."
Monica Simpson is the executive director of the SisterSong Women of Color Reproductive Justice Collective.
She said while all eyes need to stay on the Trump administration, advocates must also continue to lift up "powerful programs."
"I want us to be able to find a balance in doing that," said Simpson, "and work together as the organizations and entities that we are, to be able to make sure that we give ourselves the power and the fuel that we need over these next four years."
Simpson said while it is crucial to keep an eye out at the policy level, advocacy will also be a key part of the fight moving forward.
Support for this reporting was provided by the Carnegie Corporation of New York.
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Oregon has the third highest percent of women in city government, according to a new report from Rutgers University.
It may be proof of the success of organizations working to support and encourage women to run.
Groups like Emerge Oregon and Vote Run Lead Action train women and nonbinary people to run for office - and win.
Emerge Oregon alums currently hold more than 100 elected positions on city councils, school boards and in the legislature.
Beyond campaigning and fundraising, women receive support to overcome gender-based barriers.
The group's outgoing director, Annie Ellison, noted that the political system wasn't designed with women - particularly women of color - in mind.
"This is a system that was built - like, pretty immaculately - to keep women and women of color out, even if it's not the intention now," said Ellison. "When do we have city council meetings? You know, most of these city council meetings are unpaid, and they're at 7:00 at night. If you're a caregiver, that's bedtime."
But research shows that female elected officials bring more money back to their districts, pass more bipartisan legislation, and get more done overall.
State Director of Vote Run Lead Action, Becca Phelps, said the challenge isn't just getting more women into office - it's keeping them there.
She said in the past few years, several women in the Oregon Legislature have had to leave prematurely or not run again, citing the low pay and added responsibilities of daily life.
This is where organizations can step in to fill these gaps - advocating for higher pay, helping with childcare and transportation costs, even providing emotional support.
"Sometimes," said Phelps, "it's that personal care of having a friend check in on you to see how you're doing when you're an elected leader."
After Tuesday's election, 15 graduates of Emerge Oregon programs may be in the Oregon House and four may hold seats in the Senate.
Ellison added that the biggest barrier women face in running for office is confidence.
"If he can do it, you can do it," said Ellison. "And here's how you're going to do it, and we're going to help you."
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A federal nutrition program for low-income moms and babies now includes canned fish and beans, whole grains such as quinoa and cornmeal, and more money for fruits and vegetables.
Theda Simpson, a former participant in the Special Supplemental Nutrition Assistance Program for Women, Infants and Children from Metcalfe County, said she relied on the funds for extra help paying for supplemental formula for her daughter and sons, who had milk allergies as infants. She found out about the program through her local health department and stressed it was a lifesaver for preventing her children from going hungry.
"I hope that every mother finds out about it, knows about the program, is able to access and get the help that they need to be able to feed their children," Simpson emphasized.
Under the new changes, children ages 1-4 will now receive $24 per month, pregnant and postpartum women will now receive $43 per month and breastfeeding women will now receive $47 per month, under recent USDA updates.
Research has shown the WIC program helps improve pregnancy outcomes, including lower incidences of premature births, infant mortality and low-birthweight babies.
Karena Cash, data and research director for Kentucky Youth Advocates, said WIC is not reaching every available mom or mom-to-be in the state, although advocates have been doing work to reach more households, especially in Latino communities and among kinship caregivers. The data show two of every eligible five families are not participating in the program.
"About 96% of infants in Kentucky are enrolled, whereas only about 60% of women and 51% of eligible children one to five," Cash reported. "We see some pretty big discrepancies."
Tanya Torp, executive director of the nonprofit Step By Step in Lexington serving young, single mothers and their babies, said a major barrier is a lack of understanding among grocery stores about how WIC works and what products are covered under the program.
"For us, being able to work with some of the stores is going to be really important," Torp explained. "To train the employees at the stores so that they will be able to help when someone comes in and asks questions about WIC."
Advocacy groups have developed an online toolkit for local communities and leaders, and professionals who serve young children to help get the word out about the WIC program. Nationwide, more than 6 million women and children rely on WIC each month.
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