The financial group made the discovery while surveying over 1,000 married Americans, checking in with them on everything from whether they've discussed their retirement to how they plan to support their adult children. Shockingly, many people are at odds with their partners over these major decisions, which is surprising given that many of these choices are made after spending a lifetime together.
The Western & Southern Financial Group survey offers a unique look into the financial situation of the average American. That's because the group surveyed 1,008 married couples about "their financial conversations, disagreements, and long-term plans." According to the March 2026 report, many couples are at odds over whether they will support their adult children or aging parents (only 54 percent report being on the same page). Meanwhile, only 75 percent have even discussed their future retirement plans.
That means women may have started planning their own retirements, focusing on what they will do on their own in the years before their spouses join them.
Couples Tend to Wait to Have Hard Financial Conversations
Daydreaming about what you'll do in your retirement may sound like a fun way to pass the time with your partner, but according to the survey, many couples shy away from having conversations that involve money, debt, and death:
48 percent of couples discuss salaries prior to getting engaged47 percent of couples discuss debt before getting engaged 39 percent of couples discuss their last will and testament after having kids"Money conversations often start later than many expect," the report says. "Nearly a quarter of married Americans said they have never discussed debt with their spouse, and 40 percent said they avoided discussing long-term financial goals early in their relationship."
Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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