The life of a woman is filled with a lot of perils and curbs stops on the way. This, more often than not, does not allow her to live the life she wants without having to witness a drastic change at some point. If she puts her career on the forefront, things such as childbirth might set her back on her career growth.
If she is a homemaker, then she might not feel the same joy of retirement that her spouse does. And because of all this, retirement planning will definitely kick in, arguably...