What I saw a thousand times during the downturn was, 'We'd like to give her that opportunity, but we need to go with the sure thing - we can't afford diversity right now,'

I was lucky. My children didn't have health issues, didn't have big school problems, etc. And as I watched some of my peers go through this, you can see how quickly a family can get derailed when they are not lucky.

I think that indicates why men tend to invest more wealth. If he loses some, there's more coming in. Whereas for women, it's like "Ugh, I gotta keep this."

You have six math Ph.D. Caucasian gentlemen from the Northeast of the country, great. You put one more in the mix, you haven't added much. It's only when you add something different that you really are able to accomplish more.

Women, girls and young ladies tend to be as good or better at math than boys, but you didn't think that either.

Something happens in the middle when women are in their 30s, and we can start with an array of things that happen, whether it is - you hope this doesn't exist any longer - but overt discrimination; whether it's subtle gender discrimination, which absolutely does exist among men and women; whether it's the fact that it gets hard to juggle at that point children, housework, etc. But people still have to go home and cook the dinner and clean the dishes and get the beds made and so on. And so, for a whole bunch of reasons, women tend to fall out in their 30s still today.

If a woman waits 10 years to invest, "I'm busy", "I've got to do this", "I can put it off", "I gotta find the right financial..." It costs her $100 a day. $100 a day! And if we had money falling out of her pocketbook at the rate of $100 a day, we'd change our pocketbook; we'd fix our pocketbook.