when insights aren't

i just had this chat with someone about the challenges associated with being a working mother and blah blah blah and she put forward (rather forcefully) the idea that working full time and being a mum is just too hard so women should stop trying to kill themselves and just accept part time work cause realities change. and although i agree with this in some kind of way, i also know that not everyone has the option of part time work and if they do it often doesn't have boring things like sick leave or superannuation attached to it. and those of us having kids "later in life" do have to wrry about things like whose going to pay for university and/or bail the kids out of jail as they grow older... anyway, she suggested to me that probably i don't need to worry so much about super or sick leave because i'd be happier if i didn't feel so 'stretched'; and that made me wonder: how the hell does she know what i need to worry about or what would make me happy? and when will i get to be so totally confident about life that i can offer other people advice like thhis and be totally sure i'm right??