For one million dollars: what do geniuses need to write great books? (You've used up all your lifelines.) Oh, okay, need a hint? Well, how come Shakespeare was able to be so awesome? Instead of asking the audience, Woolf takes the history books down off the shelf and works out her own ideas. In A Room of Her Own, the simple answer is that writers need money and their own space to write anything good. But they need more than that: great writers need to send the male and female parts of their minds out on a hot date. And with this metaphor, Mary describes what's going on in the mind of an awesome writer: some sexy, sexy gender-bending.
For Woolf, fiction can express more truth than actual truth.
As far as Woolf is concerned, you'll never be able to write anything good unless you're independently wealthy.