Before couples enter retirement, they should sit down and compare notes to ensure they are united about their retirement plans. Depending on the plans, they can use different strategies to prepare, but the sooner agreements are made, the better their retirement planning can meet their dreams and needs.
It is always better if couples plan on having more than one source of income during their retirement years. This means saving a lot of money in advance. While Social Security can be a reliable source, it is not enough for a comfortable retirement.