We don't recognize the power of compounding.

Typically, when you ask a financial adviser sitting with a couple: Do you treat the man and woman differently? They say, "No!"

Women tend to live longer than men do. Women tend to have, unfortunately, their salaries peaked sooner than men's do. Both of these things are extraordinarily important in putting together financial and investing plans for women.

Fundraisers treat men completely differently than women. As a matter of fact, many of them have the default on their direct mail set up to read "Mister," and it really rankles a lot of women.

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.

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.

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