Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Share | Related Content Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. 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. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.