None of us is immune from a financial shock, no matter how enviable our careers – but it need not turn into a full-blown midlife money meltdown. I've talked to three female financial experts – and one male one – on how to beat a midlife money meltdown. Up-to-date skills are crucial for midlife women. Wait until emotions have calmed and consider consulting a professional financial adviser. 'Full-on money meltdowns among professional women are actually fairly rare in my experience,' he says.