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America\u2019s retirement system is out of date, and there are currently millions of retirees who don\u2019t have enough saved. It\u2019s clear we need a plan \u2014 not just for our own retirements, but for our nation \u2014 because we all deserve to feel financially secure in the next chapter of our lives. Ben Harris, former assistant secretary for economic policy at the U.S. Treasury Department, joins us to break down what\u2019s wrong with America\u2019s retirement system, what policymakers and employers can do to fix it, and how women can better prepare for their financial futures. In Mailbag, we answer questions about saving money in the event of a divorce and determining your budget for a new home. In our money tip of the week, how to make remote work relationships work.\n\nThe HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney.\n\nThank you to our other sponsor for this show, Monarch Money, a\xa0more modern way for women and couples to manage their finances. Monarch will help you monitor all of your accounts, transactions, and investments in one place \u2014 and help you collaborate with a partner on your terms. As a HerMoney Podcast listener, you\u2019ll receive 10% off your annual plan when you use the code HERMONEY at sign-up. Head to monarchmoney.com/hermoney to try Monarch today. \n\nPlease contact\xa0advertising@airwavemedia.com\xa0if you would like to advertise on our podcast, and to learn more about Airwave, head to\xa0www.airwavemedia.com.\nLearn more about your ad choices. Visit megaphone.fm/adchoices