Assuming a conservative 4.5 percent annual growth rate and factoring in lost retirement contributions — including a 3 percent match from your ex-employer on top of what would have been your own 9 percent contribution — your 401(k) would be $106,469 lighter ($733,325 vs. $839,594) by the time you turned 67.Exhibit No. 2: Substitute a $75,000 salary and the difference is even bigger ($159,702, or $1,099,679 vs. $1,259,381).Exhibit No. 3: And bigger still at $100,000 ($212,936, or $1,466,233 vs. $1,679,169).Plus, don’t forget there’s also the matter of lost Social Security contributions. “Your benefit is calculated based on your top 35 years of earnings,” said Kapusta. “So if you work fewer years, have a lower salary, or don’t reach the minimum eligibility, you may have a smaller check when it comes time to collect in retirement.” All of which helps explain the impetus for launching Fidelity’s weekly Q&A discussion series called “Women Talk Money.” Airing live on Zoom every Wednesday at noon ET and available later on demand, each 30-minute interactive episode uses viewer-submitted questions to address a different topic each week, ranging from job loss to health care to the hidden costs of caregiving.”It’s real talk to help answer women’s most pressing money questions right now — no jargon or judgment,” said Kapusta, noting that the program’s six-part, archived video series is also must-see viewing for those who want to learn the key factors that can significantly impact women’s financial futures.Finally, some historical perspective. When the Labor Department first started tracking such data back in 1948, only one third of women held jobs. That number had nearly doubled by the late 1990s.And today? The ratio of women working has fallen below 57 percent for the first time since 1988.