7. They haven't had "the talk"
It's common for couples, even if they've been together for many years, to put off talking about retirement topics, including when to stop working and where they want to live once they do. Dorian Mintzer, a Boston psychologist and career/life transition coach, suggests these 10 discussion
questions to help couples devise a mutually agreeable retirement plan and timetable. "With dual-career couples and longer life spans, there are many more options -- retiring together or separately, phasing out and working part time, using your skills for an encore career, volunteering, taking care of grandchildren or caring for an elderly relative," Mintzer said.