Janos - Plan B's aren't all bad. About 95% of Americans don't even have a Plan A, so they're already screwed.

About 4% have a Plan A, so they're on the right track.

It's the 1% that have a Plan B, that'll come out the other side, knowing full well, that something always goes awry with Plan A.

Those women are just covering their downside risk. Problem is that a lot of one-time losers - men or women - end up becoming two-time losers. It's a pattern.