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How to emotionally prepare for retirement with your spouse

Shelly  Gigante

Posted on October 25, 2023

Shelly Gigante specializes in personal finance issues. Her work has appeared in a variety of publications and news websites.
Retirement aged Caucasian couple with woman holding a coffee cup standing smiling down at husband sitting on arm of couch
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Illustrate the importance of setting expectations for how you both envision life after retirement.

Suggest ways to navigate money management together when there’s no longer a paycheck rolling in.

Offer tips on how to address your partner’s irksome behaviors, which often get amplified after retirement, and how to make concessions of your own.

Retirement is often romanticized as a time for pursuing personal interests, traveling the globe, or starting an encore career, but for many married couples who are forced to redefine their relationship overnight, it can also be a time of stress.

Indeed, transitioning from work life can bring about depression that can affect personal relationships. Beyond that, there can be issues with:

“Very often, married couples ignore the potential challenges of retirement and say, ‘Oh, I know how to do leisure very well,’ but when leisure becomes one-third to one-quarter of your life, it’s a different story,” said Sara Yogev, Ph.D., a clinical psychologist and couples’ therapist near Chicago, Illinois. “Even couples that get along well need to find a new homeostasis in retirement for the time they spend together and apart, as well as the other domains of their life, like the division of housework.”

But some marriages don’t survive the retirement transition.

Divorce after retirement

Divorce rates among aging seniors, also known as “gray divorce,” have surged in recent years. The latest data from the U.S. Census Bureau found that while the overall divorce rate in America currently hovers at around 34 percent, the percentage of adults who divorce between the ages of 55 and 64 is statistically highest, at 43 percent.1

A prior Pew Research Center report suggests that many were second marriages: “During their young adulthood, baby boomers had unprecedented levels of divorce. Their marital instability earlier in life is contributing to the rising divorce rate among adults ages 50 and older today, since remarriages tend to be less stable than first marriages.”2 (Related: Divorce alternatives)

While the divorce rate is lower among older adults who have been married long term, a significant share of gray divorces does occur among couples who have been married for 30 years or more, Pew Research Center found. Among all surveyed adults aged 50 or older who had divorced in the prior 12 months, about one third (34 percent) had been in their prior marriage for at least 30 years and 12 percent had been married for 40 years or more.


The report indicates that many later-life divorcees said they had grown dissatisfied with their relationship and severed ties to pursue their own interests in the remaining years of their lives, but Paula Hartman, a gero-psychologist and founder of the Center for Healthy Aging, said the challenges of retirement are also often a factor.

Work is a significant source of satisfaction for many adults, she said, giving them a sense of purpose and structure to their week. Absent a reason to start their day, many recent retirees say they feel adrift and experience feelings of sadness, boredom, and isolation which can contribute to other health conditions, such as fatigue, insomnia, weight fluctuations, and lower sex drive. (Learn more: Potential retirement obstacles)

That’s hard on them, but also challenging for their spouse.

Yogev agreed, saying: “We know that roughly one-third of retirees experience some form of depression in the first two years post retirement and that marital satisfaction for both men and women is at its lowest in that time frame.”

Perhaps not surprisingly, a 2023 survey by Paychex found that nearly 1 in 6 retirees are considering going back to work, and just over half (52 percent) of respondents said their motivation was boredom.3

“There is so much written about financial planning for retirement, but very little about the psychological planning that needs to be done,” said Yogev. “That is just as critical.” (Related: The link between financial stress and mental health)

It’s not just depression, however, that can sink a marriage.

During retirement, other common sources of conflict can include the following areas:

Misaligned expectations

Stay-at-home spouses, and those who retire before their mate, may expect that their husband or wife will shoulder a bigger portion of household responsibilities once they are both at home. That doesn’t always happen.

Others anticipate that they will spend all their time together when they retire, which is neither realistic nor wise. The happiest couples enjoy some activities together, but also participate in some independently. And they maintain a robust social network of friends and peers, said Yogev. They are not codependent.

Yogev said couples who are entering retirement should sit down for a heart-to-heart over how their lives will likely change. They should share their vision for how they expect to spend their days, and the role they envision for each other. And they should encourage each other to maintain an ongoing dialogue.

“Even couples who think they are on the same page, aren’t necessarily,” said Yogev. “I worked with a couple who thought they shared the same vision about traveling after retirement. They wanted to travel to Europe, and they had the means, but she was horrified when she realized he was planning to stay abroad for a whole year. She thought they were going to go back and forth so they could still spend time with their grandkids.”

Unsolicited advice

Career professionals, especially those who were previously in a supervisory role, often can’t help but apply their managerial skills at home when they quit their jobs. Not realizing that advice may not be welcome, he or she may start weighing in on where the groceries are bought, how the closet is organized, or how their spouse spends his or her day.

Yogev recalls a couple — he was an engineer and she an artist — that nearly divorced after the husband, who never approved of his wife’s organizational skills, took the liberty of reorganizing the kitchen pantry when she was off at yoga.

“He moved everything into alphabetical order,” she said. “Her system didn’t make sense to him and he thought he was helping, but she was very upset that he had intruded on her space.”

The solution? Be forthright (and reasonable) about your willingness to share roles that have long been your responsibility and be considerate about your spouse’s personal boundaries, as well.


It can be hard to agree on a budget with your better half during your working years, but it’s infinitely more so when the paychecks stop rolling in. Some become so focused on asset preservation that they deny themselves (and their spouse) the opportunity to make new memories or explore new hobbies during their sunset years. Others spend more than they should and put themselves at risk of outliving their marital savings. (Calculator: How much do you need for retirement?)

“When the money is not coming in like it was before, people react in different ways,” said Yogev, noting that can breed resentment.

If money is a source of contention, it may help to work with a financial professional who can take emotion off the table and devise a working budget that works for both of you.

Couples may also wish to consult a marriage therapist, who can help them define what money means to each spouse individually, said Yogev. Indeed, our upbringing and life experience help shape our spending and saving philosophies. By talking it through, spouses may be better able to understand their partner’s point of view. It may even strengthen their emotional connection.

There are also services that provide counseling specifically for couples. Such services often combine a team of experts in both financial matters and psychological relationships. (Learn more: Are you a couple in need of financial counseling?)


As we age, medical issues often restrict mobility and, with it, the ability to participate in activities we love. That can take a psychological — and social — toll on adults who pride themselves on self-reliance.

“When we start to have some physical limitations, people who are psychologically healthier can take it in stride, but those who can’t accept that they need to hire a handyman because they can no longer get up on a ladder, have more conflict at home,” said Hartman. “I’ve seen people who are so angry at their limitations that they take it out verbally on caregivers or on their spouse. It’s very typical.” (Learn more: Preparing for diminished mental capacity)

One way to keep the peace is for the more able-bodied spouse to make positive comments about tasks that their spouse can still do effectively, she said. They can also enlist the less abled spouse to do additional tasks that he or she can still manage. “Even when people are living with dementia, they can do many tasks involving procedural memory, that is, remembering how to do things learned long ago, such as playing the piano, simple household chores, or other activities that have been done repeatedly throughout one’s life,” said Hartman.

Make an effort, too, to participate in activities that you both enjoy and can do together, like taking walks, spending time in nature, attending concerts, or going out to dinner with friends, Hartman suggested.


Newly retired couples often experience a honeymoon phase, of sorts, when they initially enjoy not having to punch a time clock and get to execute on plans to travel or tackle projects at home. They initially thrive in retirement.

“It’s fun to finish your photo album or clean out your inbox, but when the projects are finished and you don’t have new goals, you can become disenchanted,” said Yogev. “They start to think about who they are and how they want to be acknowledged and remembered.”

Yogev said she is a big proponent of volunteering, which lends a sense of purpose and gives idle seniors an outlet to continue contributing. “It’s important to stay engaged,” she said.

Irksome behavior

We all have our foibles. Perhaps you chew your food too loudly. Maybe your spouse leaves the keys in the door or refuses to admit that it’s time for a hearing aid. Even small eccentricities are amplified when you are with your spouse nonstop, which can lead to great frustration.

When irksome behavior starts to grate, Hartman suggested sitting down to create a list of the things that interfere with your relationship.

A willingness to modify your own behavior in exchange for concessions from your spouse is critical.

“One couple I worked with had retired in their late 70s, and they were in a longtime marriage, but they really had some conflicts after retirement because the little things started to annoy them,” said Hartman, noting retirement is often the most amount of time that spouses have ever spent together. “He wanted her to say ‘good morning’ to him every day, and she wanted him to close the kitchen cupboard doors. These are tiny things that became great sources of aggravation.” (Related: Seniors and mental fitness: What’s normal, what’s alarming)

By communicating with each other openly and making efforts to modify the behavior traits that rankled their partner the most, they found a way to keep the peace.

Keeping in touch, literally

Hartman said she also counsels retirees to remember that living in the same house together is not synonymous with physical closeness. As couples age and sexual intimacy declines, they must make an effort to hold hands, hug, and show affection.

“The need for simple touch is significant,” she said. “People can have skin deprivation. We need to be touched throughout our lives. Affection is the key to a good late-life marriage.”

As you enter retirement hand in hand, be prepared for new relationship challenges and opportunities. You may not always see eye to eye, but you can keep discord at bay by communicating effectively, being willing to negotiate, and above all else, treating each other with kindness.

“Avoid sarcasm,” said Hartman. “People can slip into that easily when they’re annoyed, but rolling of the eyes, and saying things like ‘that again’ are real relationship stoppers. There always needs to be politeness.”

Discover more from MassMutual…

Downsizing in retirement: Is it better to rent or to own?

Tips for maximizing your retirement income

Need a financial professional? Find one here

This article was originally published in October 2017. It has been updated.



U.S. Census Bureau, “Number, Timing, and Duration of Marriages and Divorces: 2016,” April 2021.

Pew Research Center, “Led by Baby Boomers, divorce rates climb for America’s 50+ population,” March 9, 2017.

Harvard Health Publishing, “Retirement blues: Taking it too easy can be hard on you,” July 25, 2018.

Paychex, “Are Retirees Quietly Rejoining the Workforce?” Feb. 7, 2023. OnePoll.

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The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. You are encouraged to seek advice from your own tax or legal counsel. Opinions expressed by those interviewed are their own and do not necessarily represent the views of MassMutual.