I agree with yossi z, totally. as for a female, i really don’t know what i would call one. i guess married would be “young married woman/lady/girl” (to shorten, could be ymw/yml/ymg [not as in yaakov mordechai gerstner])
i wonder what ppl say when they refer to me? probably girl. (which is a good description, being that i am a female, so its a good start)