Experts say couples often fail to properly discuss their finances.
Even among couples at or near retiremnent with decades of conversations behind them, rarely does the talk turn to finances according to research from fidelity investments.
"The survey results actually surprised us, we had found that less than half of the couples surveyed, these are people at or near retirement, less than half of those couples had actually planned jointly for retirement," says Fidelity's Kathleen Murphy.
Murphy says silence on the subject of finances can really hurt at the most inopportune time.
"It's sad when people work for 20, 30, 40 years and they can't have the retirement they want to because they weren't planning enough," she notes.
Murphy says more times than not it's the wife who's less engaged than the husband rather than the other way around.
"It's really sad frankly to see so many women not involved in the financial and investment decisions making process, because on average women will live longer than men," says Murphy.