SHARE YOUR VISION OF WHAT RETIREMENT WILL BE LIKE.
Perhaps you are anticipating years of travel and adventure while your spouse is envisioning staying home and relaxing, gardening or playing golf. You should talk about issues such as how much time you will spend visiting your children and grandchildren and whether you want to explore new interests or volunteer.
DISCUSS HOW MUCH TIME YOU WILL SPEND TOGETHER.
You will probably discover there are some things you enjoy doing together and others you do not, and you should agree upon how much time you will allow each other to enjoy your individual pursuits. The fact that your spouse doesn’t want to spend all of his or her time with you doesn’t mean he or she doesn’t love you. It’s a rare couple that truly enjoys being together 24 hours a day.
TALK ABOUT HOW ROLES AND IDENTITIES WILL CHANGE.
This is especially relevant if you will no longer be the primary breadwinner, or you receive a great sense of fulfillment from your work. If one of you will retire before the other, each person will go through the emotional process of separation from work on a different timetable. The spouse who retires first will probably transition into the role of primary homemaker, and then the roles will change again when the other spouse retires.
PURSUE SOME OF YOUR OWN INTERESTS AND MAINTAIN SOME SEPARATE FRIENDSHIPS.
One spouse shouldn’t assume that he or she will automatically be included in the social circles the other spouse has developed. Nor should either spouse feel like they have to spend less time with their friends in order to spend more time together. This can be a difficult adjustment in cases where a working spouse relies heavily on his or her co-workers for socialization during their working years.
TREAT YOURSELF TO DATE NIGHTS.
While you work, you and your spouse probably have limited amounts of time to spend together, especially if you have children. After you retire and you are around each other most of the time, being together will become commonplace. It’s easy to take your time together for granted. At least once a month, plan a night out to share an activity that you both enjoy.

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