Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents Rightsizing for Retirement What does your home really cost? 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.