The Long Run: Women and Retirement For women, retirement strategy is a long race. It’s helpful to know the route. Share | Related Content Retirement Redefined Around the country, attitudes about retirement are shifting. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.