More than 6 in 10 married couples disagree about when to retire when both spouses are working, according to a study by Fidelity Investments. One complicating factor is that either the husband is a few years older or the wife entered the workforce later, making it difficult for the two to scale back or quit work together. "There's a lot more for a couple to negotiate now; it's no longer one retirement and one drastic transition," says Maximiliane Szinovacz, a professor of gerontology at the University of Massachusetts Boston.

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