When the ring doesn't fit..

Single women express more regret about not having children than about not being married. Almost all go through some kind of struggle, usually beginning in their thirties as parental pressure to settle down and produce grandchildren increases. Some bear it stoically, others begin to distance themselves from their families, seeing them less frequently But the acute crisis hits around age 40 when they hear their biological clocks running down. "It's the equivalent of runners hitting the wall," explains Anderson. "Women wonder 'What's wrong with me?' Sometimes they struggle with it for a few years." Some who feel the need for children decide to have them on their own or adopt. At age 48, Anderson adopted a seven-year-old girl from Chile. Others nurture nieces and nephews or the offspring of friends. Still more mentor junior colleagues or become active in community youth programs.

Grappling with the issue of not having children is just one crucial task facing women without spouses. Building an emotional support group is another, says therapist Kathy Berliner, M.S.W., who together with colleagues Natalie Schwartzberg, M.S.W., and Demaris Jacob, Ph.D., studied the lives of 50 never married women as part of the Clinical Project on Singlehood at the Family Institute of Westchester, in New York. "Women need to create a substitute family or have a broad range of people to celebrate and commiserate with so that they don't feel bereft or like an orphan," stresses Berliner, whose group's findings were published last year in Single in a Married World: A Life Cycle Framework for Working with the Unmarried Adult.

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"I do worry about being alone in my old age," admits Kossoff, even though "I've always been busy with lots of friends and activities, like singing in choral groups, and going to art exhibits and movies. I volunteer for public television and I'm an active member of my church and work with a mission group that tries to find housing for the elderly indigent." Women get high marks for making and sustaining emotional connections. Unmarried men, in contrast, find the task agonizingly difficult, as men generally rely on wives to do the social networking.

But unwed women fall down badly when it comes to another crucial task: planning their finances. Few think to sock away money for retirement. Even if unmarried women have given up on the idea of hubby and kids, they still are likely to cling--albeit subconsciously--to the notion that miraculously they'll be taken care of. "Never-married women eventually have to come to terms with not having the grander lifestyle they may once have envisioned--the big house, the sporty little car, the exotic vacations," says Sills. "Women still don't earn what men do and if they haven't put money away, they can find themselves watching their pennies."

If they've done all the basic groundwork, though, never-married women find themselves growing happier with the years. They've made their peace with themselves. By age 50 or so, many experience a blossoming freedom. Their lives stretch out ahead, rich in possibilities and opportunities, for another 30 years or so. Happily ever after. Happily never married.

* Names have been changed.

PHOTO (COLOR): Women who stay single are apt to be among the most intelligent and highly educated, and to have reached the top levels of achievement--the exact opposite of never-minded men.

PHOTO (COLOR): "I could have married a guy when I was 21," says 41-year-old commercial artist. "But it would have been a cushy, boring life and I knew in my heart that wasn't what I wanted."

PHOTO (COLOR): "I've seen too many 'Cheshire cat' women," says one unmarried woman." When they're in relationships they tend to disappear around the edges until all that's left is their smile."

Anastasia Toufexis, a former editor at Time magazine, is currently at work on her first book.

CELEBRATED AND SINGLE-MINDED

Nowadays, them are many well-known women who have decided--so far--that they're not the marrying kind. Here are some of their thoughts about not being brides.

"People ask me about it all the time. I say, Ralph Nader never married and he's my age [62]. Do you ask him the same question?"

-- Gloria Steinem, feminist icon

"My mother fell gravely ill when I was 15. My father was a doctor, and I thought he'd care for her and cure her. Not only did he do nothing, he never offered a word of sympathy. I resolved never to say yes to any man who proposed marriage."

-- Jacqueline Bisset, actor

"I believe it's a fine idea. but I don't know if it's going to happen to me, or if I'll participate enough in some situation that will make it happen."

-- Diane Keaton, actor

"I didn't do strategic planning. But I must have seen [my choices] as marriage and family or write these plays. And it was more important to me to write the plays."

-- Wendy Wasserstein, playwright.

"I talked it over with Stedman [her fiance] and I said, 'This scares me. Are you going to change your expectations of me? Are, you going to start wanting me to come home and cook dinner, because I'm telling you I don't think I can.'"

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