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One of the toughest things to do when you’re self-employed or running your own business is to save for retirement.

One in 3 workers cash out their retirement accounts when leaving jobs, according to research provided by the Women’s Institute for Secure Retirement (WISER).

“More women are talking about money and investing,” Kapusta said. “It’s getting less and less taboo, especially among this younger generation.”

“Embrace volatility,” she said. “When the market takes a dive, your periodic 401k/403b contributions are getting to buy into your chosen investment strategy at a cheaper level.”

When women do invest, they see results: new scrutiny of more than 5 million Fidelity customers over the last 10 years finds that, on average, women outperformed their male counterparts