{
  "id": 4474526,
  "title": "Vanguard Says Women Save More Than Men at Every Income Level. Men Still Have 30% More",
  "url": "https://urgent.news/2026/08/30/vanguard-says-women-save-more-than-men-at-every-income-level-men",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-30T17:43:02.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/currencies/articles/vanguard-says-women-save-more-174302680.html"
  },
  "original_language": "en",
  "account": "According to the 2026 Vanguard report, women save more than men at every income level, but men typically have 30% higher balances at the end of the year. This difference is primarily due to men earning more money to defer. When income is held constant, female participants in the $30,000 to $149,999 income band hold balances within 10% of their male counterparts, indicating that the gap is salary-driven rather than behavioral. Only 14% of participants contribute the maximum $31,000, and even those earning over $150,000 leave contribution room unused.\n\nIn 2025, average deferral rates were 6.2% for women and 6.0% for men in the under $15,000 income band, which includes part-time and early-career workers. The gap widens slightly in favor of women as income increases. For instance, in the $30,000 to $49,999 income band, women deferred at a 5.9% rate compared to 5.8% for men. Many participants in this band rely on auto-enrollment defaults, which can impact their savings decisions.\n\nThe report shows that higher earners defer more on average, with rates reaching 9.4% for women and 8.8% for men in the $100,000 to $149,999 income band. However, even at the top of the income distribution, women have a slight edge in the deferral rate, although the dollar contributions still favor higher-paid participants. Male participants ended 2025 with an average balance of $194,597 and a median of $52,309, while female participants averaged $146,476 with a median of $42,139. As the gap between salaries and balances grows over a career, the mechanics behind the figures become crucial in determining long-term financial stability.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}