I dare to do things - that's how I survive.

In the first phase of shock over, say, your mortgage being called in or your job washed out, it's essential to engage with others and share the fear, release the feelings, do fun things to take your mind off it.

Adapting to our Second Adulthood is not all about the money. It requires thinking about how to find a new locus of identity or how to adjust to a spouse who stops working and who may loll, enjoying coffee and reading the paper online while you're still commuting.

Most women have learned a great deal about how to set goals for our First Adulthood and how to roll with the punches when we hit a rough passage. But we're less prepared for our Second Adulthood as we approach life after retirement, where there are no fixed entrances or exits, and lots of sand into which it is easy to bury our heads.

Very few women manage to have it all; certainly not all at once.

I do think taking the 20s to take the most chances you can is important, because you're not going to hurt anyone else during that time. And if you do have a partner, you need a couple years to rehearse that relationship.