The Importance of Saving for Retirement Starting the Day You Get Married #shgenworth

My husband and I got married a little over six years ago.  Right after our wedding, we moved to a new town.  We were inundated with tough decisions – where to live, what school district to be in, where to work and more.  It seemed like every time we were turning around we were having  to make another decision.  And those were just the tip of the iceburg.   Because when you go from being a single person to being a part of an “us” there are certain things that have to be addressed financially as well.  Do you get a joint checking account?  Who pays what bills?  What frivolous spending from your single days needs to stop?  Even though you are in this period of wedded bliss, you still have so many life altering decisions that are right in front of you and need to be made in order to ensure your happily ever after.

Start Saving for Retirement as Soon as You Say I Do

So, it came as quite a surprise to me when not long after the ink was dry out our marriage certificate my father approached us to discuss retirement planning.  Now, my dad was in the financial industry for years so when he talked about money, you better believe we listened.  But both the hubs and I were in our late 20’s/early 30’s and retirement was one of the last things on our mind.  But, as my dad explained, the time to start planning for retirement is when you are young.  In fact, he told us that we should have already had 401K’s in place and that they should have started the day we started working.

And while this is admittedly not the first thought of married couples, it needs to be.  Because we often don’t realize that the decisions we are making now will impact the way we are able to live later.  And while we may think it is a huge sacrifice to part with 10% of our paycheck now, it will be much easier to live without out when we are young than when we truly need it later in life.

Genworth Financial wants to make sure that from young to old, couples know what they need to do to plan for retirement.  And they want people to realize how following simple tips while you are young can provide an enjoyable retirement in years to come.

I know that when you’re in your 20’s, 30’s and even 40’s and working away to make ends meet retirement seems a long way off.  However, your view on saving for retirement today can greatly impact how you will be able to live your later years of life.

Me, I’d like to spend my retirement in a similar fashion as my marriage started, kissing my hubby as I watch the sunset on the beach.  But I can only turn this dream into a reality by making changes today to plan for tomorrow.  No matter your age, it’s not too late to start.  Whether you’re a newlywed or an old married couple, make your financial future a priority.  Then discuss your options with your spouse.  It may be the most important decision you make next to saying “I Do.”

Information for this post is sourced from Genworth Financial in partnership with the SheHeard Influencer Network.  Regardless, all opinions are 100% my own.


  1. says

    A retirement plan is something I wish we would have thought about more when we were first married. Now we are 10 years in and still don’t have something started because he keeps changing jobs and we go periods with zero income at all. Who knows how much longer this will continue until we have a steady income to actually start building a retirement plan, but think of all those years wasted not having anything put aside!

  2. says

    I recently started exploring my retirement options more… Thanks for the info! It’s a lot to take in, but I know it is worth the research in the end.

  3. says

    Such a great post and reminder. As a single mom this is one of those things that I harp on my kids about. It is never too early to save, but it can be too late.

  4. says

    This is all good advice. Obviously, financial planning is key to a fulfilling retirement. But I want to call to the attention of baby boomers and anyone planning retirement or recently retired that emotional planning is important too. Going from a full time job to no job may seem ideal, but it is an enormous and difficult adjustment. Too many retired people end up feeling useless, with no purpose. Many suffer from episodic depression as a result, making what could be the best time of their lives, the worst time. Prepare yourself by finding a passion to pursue during retirement.

    Boyd Lemon-Author of “Retirement: A Memoir and Guide” (December 1, 2012); Eat, Walk, Write: An American Senior’s Year of Adventure in Paris and Tuscany (2011); and 5 other books.

  5. cindy says

    saving is not so easy when you have some one get sick and the insurance will not cover them and the surgery takes every penny you saved up and then for the next 7 months no work comes in for you to make money to live on and no one will help you out.that happened to us and we are still trying to get things to work out for us.

  6. Kris DeVoss says

    This is really great information … Thank you … I am going to have my husband read this!

    Thank you

    Kris DeVoss

  7. eileen marie says

    I could not agree more with this advice, but getting my husband on board has been easier said than done. At 31, it’s difficult for him to even imagine retirement. He has an IRA set up, and I have a 403b (teacher), but I think we need to be doing more!

  8. Darlene Jones-Nelson says

    It sure would be nice to not have to rely on ss when you retire since who knows if it will even be there to share by the time I retire.

  9. Darlene Ysaguirre says

    Its so true i often dont stop to think about that far down the line with the crazziness of life and unexpected expenses but i should because its a very real reality

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