This document is the written statement from Amy K. Matsui of the National Women's Law Center on gaps in retirement savings based on race, ethnicity and gender. It discusses how women of color and women more generally faced a retirement crisis even before the COVID-19 pandemic, and how the pandemic has further exacerbated these disparities. The statement outlines a number of policy recommendations to address the root causes of the racial and gender retirement savings gaps and boost women's retirement security.