Social Security can be an important part of your retirement income. Women live longer than men on average and are more likely to be single and depend on one income when they are older, so it is especially important. Women make up 56% of all Social Security beneficiaries age 62 and older, and 66% of all beneficiaries age 85 and older. Women age 65 and over are more likely than men of the same age to be widowed (34% vs. 12%).
if you are a freelancer your income gap is even worse than salaried women. But there are many individual investment options, from traditional, Roth, and SEP IRAs to solo 401k plans. Talk to a financial expert and educate yourself on the options.