When the topic of “women and money” comes up, the focus is usually on the gender gap. But this ignores a potentially larger gap: How women’s financial needs vary from one generation to the next.

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$430,480. That’s what it costs to be a woman, according to the National Women’s Law Center. It’s the wage gap that results from a lifetime of being paid less than men.

Let’s take a look at that and other financial hurdles women face, issues they should consider, opportunities they should take advantage of, and what it will take to bridge the gap.

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