What happens when one spouse is ready to retire… and the other hasn’t even thought about what retirement actually looks like yet?

In this episode of The Capitalist Investor, the team breaks down the retirement conversations couples often avoid until it’s too late. From retirement timelines and spending habits to travel plans, Social Security decisions, healthcare costs, and lifestyle expectations, this discussion highlights why planning together matters just as much as saving money.

The conversation also covers common financial personality clashes between savers and spenders, why retirement can create unexpected stress inside relationships, and how building a shared vision early can help avoid major surprises later. Plus, Tony and Derek discuss the importance of having a financial roadmap in place years before retirement so couples can approach the next chapter with confidence instead of uncertainty.

If you’re within 5 to 10 years of retirement, this episode is packed with practical insights that can help you start the right conversations now instead of reacting later.