Even newlyweds can benefit from having this conversation. The sooner you come to an agreement, the easier it will be for you to put a strategy in place to pursue your goals.

Plenty of difficult financial decisions will come your way as retirement approaches, including questions about Social Security and Medicare, and how best to draw down your retirement assets. But before you even begin to tackle those issues, it helps to have a broader, more personal conversation about what each of you wants your life to be like in retirement.