The retired couple’s guide to livin’ the dream

Question: My husband and I have been happily married for 28 years. Careful spending and sound planning by day has provided us with a very comfortable financial future. Although we’re compatible in many ways, our outlook differs when it comes to enjoying our money. I’m more of a saver and I hate to shop. I’m already retired, and when my husband retires in a year we’ll start drawing on our retirement savings. Can you propose some tips on how we can communicate effectively about spending our money? How do we guarantee that we’ll both have the independence to decide how we want to spend “our share” without judgment? –Margaret M.

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