Retirement Questions for couples

Do you have plan for retirement with your couple? It is important for you to plan with your partner how your future. Retirement planning is important as you won’t have any job at that time. So, let’s read this retirement questions for couples

What would the perfect retirement life be like?

Your idea of the ideal retirement may be coffee and a newspaper in the morning, golf in the afternoon, jogging at five and a good book to round out the day. That’s not a bad way to retire unless your spouse wants to be on the move, constantly traveling and trying new things. Discuss and plan what  is most important to each of you. Determine if your expectations for retirement follow a similar path, and identify where your goals diverge. You don’t necessarily need to adjust the course, but it is important to understand each other’s perspective. If you can agree to retire on your way, it is easy to follow when the time is come.

| Retirement Planning , The Earlier Is Better |
Who will be responsible for what in retirement?
Before retiring, each member of the couple probably did certain household chores. After retirement, you may need to renegotiate which individual is responsible for different duties. You can avoid friction if you address responsibilities up front. . You also need to maintain enough flexibility to address new things to be done as they arise.

What interests do you have in common?
Many couples have a list of activities they enjoy doing together, such as playing bridge or tennis, hiking, traveling, attending concerts, practicing yoga or dining out. Retirement is a good time to take a look at your list to make sure you agree that these things are what you want to continue sharing in retirement. Consider adding new activities you have not done in the past but would like to investigate now that you have the time

What are your individual interests?
It is important to have your own interests in addition to those shared with your spouse. Hanging out together 24 hours a day is not healthy. You each need time apart to think, recharge and pursue separate hobbies. If you understand this at the outset, you can avoid one person feeling slighted when the other heads out the door to do his or her own thing. We all need space and private time, and a little independence can make the heart grow fonder.

What are your goals in retirement?
Make a list of the individual goals you wish to pursue and your shared goals as a couple. You need to do this list at least a years before retirement time.

Will you stay in your current home or relocate?
If you’ll still be paying off a mortgage, you might want to downsize to reduce your monthly expenses. Perhaps there is a new location you would like to move to. For example, I have always wanted to eventually move closer to the ocean. And rent/buy the small house. It is because you will need to use a bedroom and basic facility only. Avoid a big and high house as your body can’t do much move at the retirement age. You also don’t need to live in busy area, better get a house far from town but with adequate facility.

Who will pay for what?

If you had separate bank accounts while working, you each likely assumed responsibility for certain bills. Is that the way you want to continue things in retirement? Decide if you want to pay some or all of your bills out of a joint account. There is no need for money to be a sore spot if you address it in advance.

Source :- MOney MSN


Are you ready for retirement? You need to plan as soon as possible. JP Morgan
Most people would think about retirement once they approach the latter years of their life.

One comment

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