While the details behind the “perfect retirement” might differ from woman to woman, they tend to be centered on one core idea – having the time, freedom and resources to live your life as you choose. But achieving that dream often involves a lot of sleepless nights – especially for women, who often have to do more with less when it comes to saving for retirement.

Women often find themselves at a disadvantage on both sides of this equation: Not only do they tend to earn less in their careers, but they typically live longer, requiring their retirement assets to last. Here are some tips for women looking to maximize their Social Security benefits.