Retirement

The Retirement Plan Problem Most Couples Don't See Coming

Licensing

07:00 AM ET 07/16/2026

Creating a retirement plan is tricky — even for couples around the same age. But putting all the financial puzzle pieces together is even more challenging when spouses are far apart in age. The so-called age gap changes retirement plan math. Instead of planning for a single retirement horizon, couples who are five, six, or 10 years apart in age…