My daughter liked J frame in 32 long, then moved up to K frame in 38 spl. If money is an issue, find an H&R in 32 long (can be had for under 200.00) (use it until money is not an issue and move up to S&W). Ammo can be found on line for approx 13.00 a box. True, 32 long is not a great defensive round, but it's a start, until she can move up. (This is why you never start a new shooter off with too much power, you will scare them. Start w/ 22 and work up until they find their limit.)