High-spirited female taking chances (6)
I believe the answer is:
frisky
'high-spirited' is the definition.
(I've seen this before)
'female taking chances' is the wordplay.
'female' becomes 'f' (common abbreviation).
'taking' is a charade indicator (letters next to each other).
'chances' becomes 'risky' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'f'+'risky'='FRISKY'
Can you help me to learn more?
(Other definitions for frisky that I've seen before include "Animated" , "Frolicsome" , "Energetically playful" , "Lively like playful dog" , "In high spirits" .)