My partner is 18 years older than me. How do we plan for retirement?

There is an 18-year age gap between my partner and me. How should we be thinking about retirement planning?

The primary challenge is typically that when the older partner is ready to retire, the younger person still feels they have plenty of working life left in them. However, if the younger partner continues to work, the older person is concerned that by the time they are both retired, declining health could make it difficult to enjoy shared activities such as overseas travel.

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