Here's the real deal: That's a tiny bike. You're a petite woman so you need a little bike. Used bikes that size are hard to come by.
If you think that you might be interested, this is an unusually good opportunity. I don't know what size your Schwinn is but, unless it's an uncommonly small size, you are going to LOVE riding that 14" Fiji.
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My greatest fear is all of my kids standing around my coffin and talking about "how sensible" dad was.