Are You Prepared For the Challenges Presented When Both Spouses Retire? Here Are A Few Tips to Consider.

Spousal relationships can be heavily impacted by retirement, especially when both have been working and both decide to retire, regardless of the timing of the respective retirements.

The key to this and to the other elements of retirement that may take place is to start the planning process early, ideally 3–10 years ahead of the planned retirement date, and to COMMUNICATE, COMMUNICATE, COMMUNICATE!

It’s possible that each partner will have different expectations for their retired life together. Some of these expectations can be major and call for serious two-way compromise. Or face the dissolution of a marriage if not addressed.

Divorce of couples over 50 is the highest divorce rate in the U.S.  Most of these divorces are initiated by the woman.

Unfortunately, retirement decisions are not easily dislodged from favoring the male perspective and preferences.


Some examples

  • The husband retires first and has his heart set on a second home on a golf course. The wife retires at the same time or later and wants the second home to be close to the grandchildren. This calls for serious compromise and should be on the table early and not surface as a surprise upon retirement.
  • The wife retires after the husband, and his expectation of her, upon her retirement, is for her to run the household instead of equal sharing of those duties.
  • One spouse may like to travel and the other not. That shouldn’t be a surprise a couple of weeks into the shared retirement. That card should be on that table early and a compromise reached.

An important part of the preparation process is for each partner to know and honor differences in personality, values, personal drivers, and aspirations. This will lead to a retired life that balances time together with time apart to pursue diverse interests.

There should be agreement on what they want to do together and what they wish to pursue separately. The retirement should not end up with a “clingy” partner. Nothing worse than a retired male who expects his wife to be his retirement plaything upon her retirement and failing to honor her desire to have her own life within retirement.


Retirement is full of surprises, usually positive in nature. But there can be many unpleasant surprises, which are unpredictable. But many of the potential pitfalls of retirement can be headed off by spouses getting on the same page about what their retired life is to look like and doing that well in advance of the retirement date(s).

Support that planning with a flexible written plan and revisit it at least twice a year and adjust as appropriate based on the early retirement experiences. It’s best to grow and learn your way into a satisfying and purposeful retirement.

Drifting in and winging it can be disastrous.


I’ve reached back into my archives to pull up a couple of retirement stories that you may find enlightening and helpful. Let us know what has worked for you in your couple’s retirement planning. Click on the pictures below to pull up the articles.

Can One Live to 80 Without Any Ailments? It’ll Take More Than Luck and Genetics.

Turning 80 is apparently a pretty big deal. I just did it and found that it drew a lot more attention than when I turned 70 – or any other age I recall.

Except, perhaps, 21. For stupid adolescent reasons, I don’t remember much about that one.  I was somewhere in Cheyenne, Wyoming with a group of fellow reprobates as I recall. Beyond that – well, that’s enough detail.

Turning 80 drew all the expected unhumorous funny cards, and the usual ageist remarks all delivered with a mix of love and pity.

I was told that finding a funny card – or any card, for that matter – for an 80-year-old is a lot tougher than finding one for 60- and 70-year olds. Makes sense since, the average amongst we U.S. males are unavailable to be recipients, having moved on at around 76.


How are you ailment free, they ask?

I can claim, unabashedly, that I’m fortunate to not look my age. I say unabashedly because it’s not an accident and it ain’t genetics. I work at it and have been for 40+ years.

Some are inclined to ask how I can get this far without major ailments.

If they only knew.

Behind what they see is an above average collections of maladies.

I tell folks that they’ll not likely get this far without a few. It’s really more of being able to live with them. Resilience is one of the characteristics found in those who live longer lives.

I’ve been trying to increase my resilience as the years have moved on.

Some “ailments” I’ve had for years. Both knees ache from 20 years of pickup basketball and two “clean up” surgeries; I just had an arthritic thumb joint removed that has hindered my love of golf and playing guitar for the last couple of years; at age 73, a CT scan revealed I have significant artery calcification which translates to cardiovascular disease; I have an under-active thyroid that I’ve medicated for 30+ years that makes weight control difficult and causes fatigue; I have atrial flutter (which is a first-cousin to atrial fib) for which I take a blood thinner. And my feet hurt about 24 1/2 hours a day.

Having said all that, I stay firm in my conviction that I can live well beyond the average lifespan for men, which has been steadily declining over the last several years in America.  I don’t have symptoms of anything that would say that an early check out is imminent.

I admit to a modicum of fear of COVID and I’m remaining reasonably vigilant to avoid infection.


Here’s the point.

So much of how long we live and how we live long is between the temples. Few of us will avoid ailments because chances are, if we are an American, our lifestyle preceding our later years was – shall I say – less than stellar. We most likely ate badly because we were beholden, out of naivete, to the deplorable Standard American Diet (SAD).

And, most of us exercised far too little.

It’s really pretty simple. As a culture, we don’t really know jack about how our bodies and minds work and how to treat them optimally. And then we whine when we hit 60+ and some of our parts are acting like they are ready to be sent back to the universe.


I love the golf analogy. Nearly all of us have played a pretty crappy “front nine” with our lifestyles of comfort, convenience, and conformity and find ourselves either remorsing through a dismal back-nine or trying to make up for or reverse it on those final nine holes.

I’m the poster child for that. I smoked until age 37 and ate badly through my first 60 years. Although I have been a gym rat and avid exerciser for over 40 years, the CT scan at age 73 revealed the truth of how those first five decades+ had slowly, insidiously taken their toll.

So, resilience is part of the backbone of my existence as I march on this “pollyannish mission” to 100+. I work out aggressively – both aerobic and weight lifting – six days a week. It’s painful at every session, but I’ve learned to tolerate the pain in favor of the results. I’ve also moved my diet to a better balance of WFPB (whole-food-plant-based) and healthy fats and away from the Standard American Diet (SAD) C-R-A-P (calorie-rich-and-processed) diet that we Americans are captive to.

I choose to do the things that I know will maximize my chance of hitting my goal while having no illusions that I could be out of here by the end of the day. I’ve learned that all I have is today and have, with difficulty, learned the value of avoiding time travel into the future or the past.

It’s really all about ATTITUDE and RESILIENCE as we age. Do some research on the lives of centenarians, and you will find that nearly all of them have two consistent characteristics:

  1. They have endured and survived numerous health and mental challenges in their lifetimes.
  2. They have kept a sense of purpose and meaning in their lives, with the majority of them avoiding leisure-based retirement and staying engaged in some form of work.

If 80 is your goal (I suggest raising the bar – the human body can last to 112 years, 164 days), be prepared for ailments but adopt a “second half” lifestyle that will help you keep those to a minimum and give you more physical and mental strength to live with them.


How are you dealing with your “ailments?” Or maybe you don’t have any! We’d love to hear what works for you. Leave us a comment below or email us at gary@makeagingwork.com.

As Someone Who Is Over 80, What Advice Would You Give To a Younger Person Who Is Worried About Growing Older?

Image by Harpreet Batish from Pixabay

I post answers every day to questions on Quora.com.  I’m amazed at the number of questions that come from young people, in their 20s and 30s, expressing angst about getting old.

Here’s my answer to a recent one that is the headline for this article.


Simple.

Get over it!

Embrace it!

Remember this:

“Life is a fatal disease. Once contracted there is no known cure.” Dr. Walter Bortz.

You are going to grow old and die.

Mike drop!

You have no control over the eventuality of it.

You have considerable control over how soon it happens and the quality of the time and life leading up to it.

Save the worry time and use it learning and working toward making the trip healthy and fulfilling.

Become a student of how your body and mind work and give them what they need to last the longest possible.


Worry? 

Think this through.

What is worry?

The most egregious misuse of imagination possible.

I just turned 80. I stopped worrying about a number a long time ago.

I may be 80 by the calendar, but still a teenager in my mind.

The joints? Well, that’s another story!


If we didn’t have clocks and calendars, how old would you be?

You could be any age you wanted. But you live in a culture that’s obsessed with numbers. I suggest you get over that obsession early – it serves no purpose.

Maybe this will help. Guess where the lowest point of happiness is for most people?

Age 47!!

The highest?

The 70s, 80s, even 90s.

There you have it.

It starts between the temples.

Worry is a choice.

Set your sails now with a sense of purpose. Stay the course. Enjoy the ride.

Happy 4th!

Happy Independence Day! Thanks for being part of our growing tribe.