One of the first questions I ask my clients as they approach retirement is, “What will you do with your time?” Often, if they do not know who they will spend their time, they will overeat and over spend, both of which may lead to an unhappy retirement, especially if your partner does not behave the same way.
How do you bridge the gap if one partner is a spender and the other is a saver? Try to attack the problem and not the person. A conversation may go as follows: “I’ve seen these credit card bills and I’m getting really scared. I’m concerned about our future together and I want to make sure that we are doing everything to make sure our financial future is safe.”
Focus on the big items such as your mortgage and house hold bills first, then agree that there will be a certain amount each partner can spend monthly without any explanation. Neither partner will feel as if every dollar must be accounted for.
Discussing your habits in a calm and rational manner can bring spenders and savers together for a happy retirement.

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