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Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

10 Questions To Ask Your Spouse So They Are Excited For Retirement

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

Ari Taublieb, CFP®, MBA

Real Estate Investing, Stock Investing, Careers, Save On Taxes, Retirement, Business, Personal Finance, Investing, How To Retire, Early Retirement, Retirement Planning, Entrepreneurship

4.7583 Ratings

🗓️ 8 September 2025

⏱️ 14 minutes

🧾️ Download transcript

Summary

Struggling to get your spouse involved in retirement planning? You are not alone. Many financially-minded partners lose their spouse’s attention by jumping straight into 401(k) allocations or tax strategies. The result is glazed eyes and little engagement. This approach works differently. Start with powerful, open-ended questions that spark curiosity and connection. Ask things like “What does your perfect retirement day look like?” or “If we had to spend $150,000 this year, how would you want...

Transcript

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0:00.0

I'm going to take a wild guess and assume you like financial planning more than your partner or spouse.

0:05.5

Now, I'm only making that guess because I feel like I know many of you very well at this point,

0:10.7

especially if you've been tuning into the show for a long time or you're watching on YouTube,

0:14.6

leave in comments, you'll personally share.

0:17.2

Hey, I love this stuff.

0:18.4

I want my spouse to be equally excited, but I'm the one that's just

0:21.7

been running it. And at this point, I feel like I know better and getting them involved. It's more

0:26.8

of a hassle because when I do, they're like, hey, I trust you. You can go ahead and handle it.

0:31.2

But at the same time, maybe you feel it would be nice if they showed more interest because

0:35.5

then we can make more decisions since technically

0:38.0

is our retirement. And so we here at Route Financial, we have a lot of fun questions that we will

0:44.0

ask spouses to get them more interested and involved in finances. I'll tell one of them to you right now

0:50.8

because it's a very funny one, but, and this was brought up by founder, James Cannell. But he will say, hey, spouse, if we forced you to spend $150,000 in retirement, and you didn't spend it, meaning pretend you said, I just couldn't, 150,000. If you told me, I had to, I couldn't figure out a way. And let me preface that by saying some of you are like, look, my spouse, if you told them that, they would find a way to spend it, no problem, which I recognize, okay.

1:16.6

But in this example, we were talking to a couple that were nationally frugal people, and they said 150,000, like, I just, we couldn't spend that if we tried.

1:24.6

And James said, well, if you don't, we're not going to let you save it. It doesn't just get rolled over and you can use it next year. It's being sent to your least favorite political party. And that will get people talking. Okay. So I'm bringing this up because there are questions that can make someone who traditionally might go, well, I'm not as interested in finances, start to open up and go, to be honest, we would do more charitable giving, and we would actually help our grandchildren, or we would help a child with a down payment, or we would actually buy nicer cars. We just didn't know we had the means to do so. Now, not an exactly relevant example, because many of you are in the position where you're like, look, my spouse can do

2:01.8

that, no problem. I'm the one that's often saying, hey, we can't do these things and I'm tired of

2:06.4

being the bad guy. So every situation is different. Bad guy, bad gal, you guys know what I mean.

2:11.7

What I want to go through today are what are some questions that are going to help you connect

2:16.5

more with your spouse, but more than that,

2:19.3

get them interested in willing to have these conversations. And I personally am going through this.

2:24.8

My fiance, she does not, I mean, you could imagine, she's hearing me talk about Roth conversions

2:30.0

and estate planning and tax strategy. I manage my parents' finances. It's on all the time. So she's like, can we just turn off? But at the same time, I recognize I have blind spots. I'm doing this all day, every day. So there are certain things that she goes, are you'll just say, like, we need to max at our 401k and do a Roth IRA and make sure we convert and let's also do the backdoor conversion and like

...

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