This is Financial Insanity w-Scott McLean.  Today's show is retirement challenges for women.  It's statistically true that women outlive men. That means women will be taking over the finances.  It can be confusing and scary.  The challenges begin with adjusting for financial change when an additional income isn't there and what decisions need to be made to better the future,   Plus, every parent wants a better life for their child than they had.  They want them more confident, more stable and more prepared for the future.  So compared to your parents, how are you feeling about your financial position?  Most Americans feel like they have it tougher.