Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Share | Related Content 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Should You Borrow from Your 401(k)? Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase? Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.