College-educated women get to make 2nd or 3rd career changes because the first one they picked turned out to be unsatisfying or boring, with some more schooling in between career changes. Women can do this because they are subsidized by others (schools or parents or the government -- others pay for their housing, etc.), or they use their own savings and they don't need to save for a home. Because they get to rely on their future husband to do that. Sure there may be a few who are in the top ranks of management and the like and can afford a down payment on their own home and pay for extra schooling but they're not looking to settle down with someone at their level, either.