If there were a real City of Cibola — with streets paved withgold — women would need to go there, because they have — and get —less of it.

Women still haven't reached pay parity with men, earning just 79cents for every dollar a man makes. They spend longer periods outof the workforce, due to raising children and providing care toother family members. And to top it off, they face the prospect ofneeding more money in retirement than their male counterparts.

Running behind

But women are running behind in retirement savings, too. Theysave only 7.5 percent of their salaries, compared with men who save8.7 percent of larger salaries. They have smaller balances thanmen; in 2015, women had an average plan balance of $71,060,compared to men's $119,150, according to an Aon Hewitt study.

And, according to that study, they will also need considerablymore than men to pay their way through a longer and more expensiveretirement, during which they are statistically more likely to needcare — including long-term care. In addition, they're statisticallymore likely to have to take hardship withdrawals from their 401(k)accounts during their working years.

Related: When will the C-suite diversify?

Millennial women are doing even worse; their high loads ofstudent loan debt is a drag on their ability to save. They're onlyputting away a median of 5 percent of their personal income,compared with 7 percent for men the same age, and have 50 percentless in their 401(k) plan. Student loans represent 64 percent oftheir average total household debt.

So what's to be done? For starters, looking for a place that cangive a woman a leg up when it comes to money.

Pay gap varies by region

It's no secret that pay rates vary from one region to anotherwithin the U.S.; in some places, the pay gap between men and womenvaries substantially, too. 24/7 Wall Street calculated women's medianearnings as a percent of men's median earnings in the 100 largestU.S. metropolitan areas to see where they do the best and theworst.

Drawing on data on median earnings, by metro area and by sex,from the U.S. Census Bureau's American Community Survey (ACS),median earnings for specific sectors, subsectors, and occupations,as well as median household income and data on the percentage ofwomen and men in specific sectors, 24/7 Wall Street identified the10 best-paying and 10 worst-paying cities for women.

Here are the 10 best-paying cities for women:

In the Memphis area, women's median earnings of $36,317 ayear is $2,700 below the U.S. median female earnings. (Photo:Getty)

10. Memphis, Tennessee/Mississippi/Arkansas

• Women's pay as a percentage of men's: 85.8 percent

• Median earnings for men: $42,314

• Median earnings for women: $36,317

Before you go getting too excited about the opportunities thatMemphis presents, you should know that in some places, the reasonthe pay gap is smaller between men and women is that salariesoverall are lower.

While the pay gap in Memphis is the 10^th smallestamong large U.S. metropolitan areas, women's median earnings of$36,317 a year is $2,700 below the U.S. median female earnings. Soeven though your pay will be closer to that of your male coworkers,it will be below what you could make in other cities.

Just 40 percent of management positions in the Greensboroarea are filled by women. (Photo: Getty)

9. Greensboro-High Point, North Carolina

• Women's pay as a percentage of men's: 85.9 percent

• Median earnings for men: $40,928

• Median earnings for women: $35,157

This may be one of the lowest pay gaps in the country, butthere's another problem here for women: the old glass ceiling,which doesn't have a whole lot of cracks in it yet.

24/7 Wall Street said that just 40 percent of managementpositions in this city are filled by women, and the typical pay forthose women runs about $52,000 a year. A man in that post wouldmake a median of $24,000 more.

Related: 20 of the wealthiest places inAmerica

In the New York-Newark area, women still are $8,000 behindthe typical male earner. (Photo: Getty)

8. New York-Newark-Jersey City, New York/NewJersey/Pennsylvania

• Women's pay as a percentage of men's: 85.9 percent

• Median earnings for men: $57,280

• Median earnings for women: $49,230

While 24/7 Wall Street said that areas with low pay gaps alsotend to have low salaries, the New York City area is an exceptionto the rule. Not only do New Yorkers tend to earn more than inother parts of the country, women earn an average of $10,000 moreannually on a median yearly salary of $49,230.

Of course, they still come in about $8,000 behind the typicalNew York male earner, but overall they're ahead of the game. AndNew York also has the Women's Equality Agenda — a group of billssigned into law by Governor Andrew Cuomo in October of 2015 thatare intended to strengthen workplace equality.

Median earnings for women in the New Haven area are $49,348.(Photo: Getty)

7. New Haven-Milford, Connecticut

• Women's pay as a percentage of men's: 86.3 percent

• Median earnings for men: $57,173

• Median earnings for women: $49,348

While nationally women are slightly less likely to be employedthan men, at 47.5 percent of the workforce, it's closer to parityin New Haven, at 49.4 percent.

In addition, the earnings gap is smaller — in this case, morebecause there are fewer women in lower-paying occupations. Forinstance, women make up 54.3 percent of all food preparation andservice occupations nationally, but for just 48.9 percent of thosein New Haven.

The typical male in the Denver area earns $52,089 a year,and the typical female $45,543 a year — both higher than thenational medians. (Photo: Getty)

6. Denver-Aurora-Lakewood, Colorado

• Women's pay as a percentage of men's: 87.4 percent

• Median earnings for men: $52,089

• Median earnings for women: $45,543

In the Denver area, the relatively small gap between men's andwomen's pay isn't due to lower overall salaries, but to women beingbetter represented in higher-paying fields. The typical male hereearns $52,089 a year, and the typical female $45,543 a year — bothhigher than the national medians.

Traditionally male professions with good female representationshere include architects and engineers (20.8 percent here are women,compared with 15.4 percent nationwide) and life, physical andsocial scientists (55.4 percent are women, compared with 46.3percent nationally).

In the fields of engineering and architecture, females gethigher median wages than men, in the Fresno area. (Photo:Getty)

5. Fresno, California

• Women's pay as a percentage of men's: 87.8 percent

• Median earnings for men: $40,626

• Median earnings for women: $35,674

Here's one place where women can actually make out, getting ahigher salary than their male counterparts — in the fields ofengineering or architecture, where females get higher median wagesthan men, at $86,899 a year versus $73,921.

Perhaps not surprisingly, women make up 22 percent of Fresno'sarchitecture and engineering positions. It may still not be parity,but it's the second highest female representation in the field ofany major metro area.

Women in arts, design, entertainment, sports, and mediaoccupations in L.A. trail men in these fields. (Photo:Getty)

4. Los Angeles-Long Beach-Anaheim, California

• Women's pay as a percentage of men's: 89.9 percent

• Median earnings for men: $45,733

• Median earnings for women: $41,127

Both high- and low-paying occupations offer better opportunitiesfor women to close the gender pay gap in this area, although —interestingly — not among Hollywood actors. While women life,physical, or social scientists in Los Angeles make as much as malecounterparts, and even more than women scientists nationally,community and social service occupations, as well as office andadministrative support jobs, also provide them with higher pay thanthey'd get in other areas.

Actors? Not so much. Women in arts, design, entertainment,sports, and media occupations in L.A. trail men in these fields;the gap nationally is 86 percent, but here it's substantiallybigger: 78 percent.

Women can do better here in the Daytona Beach area, with asmaller pay gap, but it depends on the profession. (Photo:Getty)

3. Deltona-Daytona Beach-Ormond Beach, Florida

• Women's pay as a percentage of men's: 90.2 percent

• Median earnings for men: $35,989

• Median earnings for women: $32,458

Women can do better here, with a smaller pay gap, but it dependson the profession. Computer and mathematical professions, forinstance, provide men with more than $70,000 annually, but womenonly rate a median of $38,750 — and make up less than a third ofthat workforce.

And women have less of a presence in some of the lower-payingindustries, such as food service — where just 44.3 percent of thejobs are held by women. Nationally, that figure is 54.3 percent.That also skews the results to make the pay gap less.

The pay gap in the Durham-Chapel Hill area is the narrowestin the U.S. (Photo: Getty)

2. Durham-Chapel Hill, North Carolina

• Women's pay as a percentage of men's: 91.7 percent

• Median earnings for men: $45,732

• Median earnings for women: $41,938

Corporate research complex Research Triangle Park may make allthe difference for women in this area, since 19.7 percent of allarchitects and engineers in the metro area are women. In addition,they earn roughly $7,000 more than their male counterparts, eachsome of the highest figures nationwide.

With more than 200 companies at the complex offering suchopportunities, that makes the pay gap here one of the narrowest inthe country.

In the Cape Coral-Fort Myers area, women can out-earn men insome industries. (Photo: Getty)

1. Cape Coral-Fort Myers, Florida

• Women's pay as a percentage of men's: 93.6 percent

• Median earnings for men: $37,402

• Median earnings for women: $35,023

This is the lowest financial gap between men's and women's payin the country, with women even out-earning their male counterpartsin some industries.

The business and financial services sector in Cape Coral, forinstance, is particularly lucrative for women, at a typical annualsalary of $51,296 — more than the $51,303 a typical man earns. Anddespite the fact that nationally, female health technologists andtechnicians earn just 82 percent of the median male earnings, thetypical Cape Coral woman in the profession earns $5,100 more thanthe typical male in the position.

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