Judy is 45 years old, divorced, and the mother of two children. Her mortgage, food, child care, health care, household, and other expenses use up nearly all of her pay from her full-time office job. She has saved only $12,000 for her retirement. At this rate, Judy knows she won't have enough money to retire when she'd like to.

10. Like Judy, many Americans find it hard to save for retirement.
    
    True [1]/False [1]
     
11. Women face special challenges when trying to grow their savings.
    
    True [2]/False [2]
     
12. Busy as Judy is, she needs to make time to learn more about personal finance.
    
    Yes [3]/No [3]