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Money hosted a panel session at the 2015 Financial Planning Association conference in Boston to address the question: Do men and women need to approach their personal finances differently?

Lazetta Rainey Braxton, founder of the financial planning firm Financial Fountains, talked about what she sees as the biggest worry of unmarried women, both young and old.

"What is see is kind of common is this fear of being the bag lady," said Braxton. "It doesn't matter how much they have in assets, they just feel's never going to be enough."