This study, funded by a National Endowment for Financial Education (NEFE) grant to the University of Notre Dame, extends previous NEFE-funded research into the complex causes and consequences of Latinos’ inability to save for retirement. First, the relationship of Latinos’ employment, citizenship, household income and resources to their low rates of pension eligibility was investigated in La Tercera Edad: Latinos’ Pensions, Retirement and Impact on Families (2008). Next, social and cultural institutions were examined to investigate how low-wealth Latinos’ “investment” in collectivist, and often long-distance, networks substitutes for savings in the form retirement system in Confianza, Savings and Retirement: A study of Mexican Immigrants (2012). Now, gender is added to the equation to consider whether and how gender, in relation to factors identified in previous phases of research, affects Latinos’ planning and saving for retirement. >> Download report