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Retirement the dream: After a lifetime of hard work — raising kids, sweating out bills, and building a stable and secure life — you and your spouse will be able to enjoy your golden years doing the things you’ve always dreamed about.
Retirement the reality: It might be years of fun and leisure, but retirement can also be a time of financial difficulties compounded by illness and loneliness.
An overly harsh view? Perhaps, but it’s prudent to prepare for the worst while hoping for the best. That’s why married couples need to arrange for their own (and each other’s) retirement security as early as possible. Much of this preparation has to do with recognizing the need to “send money ahead” to fund a comfortable retirement. But there’s more. Couples of all ages need to map out an understanding of the three possible stages of retirement.
Three Stages of Retirement
Stage 1: Life as a healthy, retired...
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