For me, in my 50s, the idea of taking my clothes off in front of a man who wasn't my husband was absolutely terrifying.
Having sex with a relative stranger, so easy when I was in my 20s, felt barely possible.
There was no suggestion of seeing one another again.
'I thought I was fine with what had happened, but a few days later all I could think about was that I'd slept with someone other than my husband.
We met online and within a week we'd met under the guise of going for drinks - alcohol gave us both confidence and we ended up back at my house.
'He didn't stay the night, but he did send an email the following day thanking me for a "fun evening".
'I didn't always use protection - caught without any, in the heat of the moment, I threw caution to the wind.
Judy Hollis agrees that taking those first few steps is very daunting.
We're back in the work force, if indeed we ever left it when our children were young, with more money and a knowledge that we can take care of ourselves financially.