According to the latest statistics, women have made great strides in saving for retirement but still lag far behind their male counterparts. A new report by the National Institute on Retirement finds that men received $17,856 in median retirement income from pensions in 2010, compared to $12,000 that women got—33% less than men. The gender gap also extends to retirement plans such as 401(k)s. In 2014, women had 34% less than men in these accounts, with a median of $36,875 for men and $24,446 for women.

To compound the problem, women have longer life expectancies than men; this means they need more – not less – to live on during retirement. The Social Security Administration says women reaching age 65 today can expect to live, on average, until age 86.6, as opposed to age 84.3 for men.

But taking steps now could help women overcome these hurdles. Here are five to consider: