Is your financial clock ticking ?

I was talking to a new client yesterday and her fears around money start to sound like the fears a lot of young women have about their biological clock ticking: wanting children but lacking the partner or the financial base so they can take the time off to be a mother.

Now, at 43, Barbara has accepted  that her biological clock has ceased ticking....but her financial clock is ticking very loud. Does she save enough money for retirement ? Does she have enough money to protect herself if she has a health emergency ? 

What do you do to protect yourself ? Or, are you stuck in fear and shame about money and can't move on ?