Millions of Americans are entering their 60s and are more concerned than ever about retirement. They know they need to save, but how much? And what exactly are they saving for-to spend more time __36__ the grandkids, go traveling, or start another career? It turns out that husbands and wives may have __37__ different ideas about the subject.
The deepest divide is in the way spouses envisage their lifestyle in their later years. Fidelity Investments Inc. found 41 percent of the 500 couples it surveyed __38__ on whether both or at least one spouse will work in retirement. Wives are generally right regarding their husbands' retirement age, but men __39__ the age their wives will be when they stop working. And husbands are slightly more __40__ about their standard of living than wives are.
Busy juggling (穷于应付) and families, most couples don't take time to sit down, __41__ or together, and think about what they would like to do 5, 10 or 20 years from now. They __42__ they are on the same page, but the __43__ is they have avoided even talking about it.
If you are self-employed or in a job that doesn't have a standard retirement age, you may be more apt to delay thinking about these issues. It is often a __44__ retirement date that provides the catalyst (催化剂) to start planning. Getting laid off or accepting an early-retirement __45__ can force your hand. But don't wait until you get a severance (遣散费) check to begin planning.
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动词：assume, disagree, illustrating, observe, spoiling, underestimate
形容词：confidential, forthcoming, optimistic
副词：mysteriously, radically, separately
名词：formula, package, reality