{"id":63667,"date":"2026-07-29T03:00:32","date_gmt":"2026-07-29T01:00:32","guid":{"rendered":"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/"},"modified":"2026-07-29T03:00:32","modified_gmt":"2026-07-29T01:00:32","slug":"couples-can-boost-retirement-savings-with-one-simple-conversation","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/couples-can-boost-retirement-savings-with-one-simple-conversation\/","title":{"rendered":"Couples can boost retirement savings with one simple conversation"},"content":{"rendered":"
\n

Many couples may be missing out on thousands of dollars in additional retirement savings simply because they are not discussing how they contribute to their workplace retirement plans, according to a new analysis highlighted by a Boston College economist.<\/p>\n

Geoffrey Sanzenbacher, an economics professor at Boston College and research fellow at the \u0426\u0435\u043d\u0442\u0440 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0439 \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u043f\u0440\u0438 \u0411\u043e\u0441\u0442\u043e\u043d\u0441\u043a\u043e\u043c \u043a\u043e\u043b\u043b\u0435\u0434\u0436\u0435<\/strong>, argues that communication is one of the simplest ways households can strengthen their retirement finances<\/a>.<\/p>\n

Sanzenbacher\u2019s latest \u0441\u0442\u043e\u043b\u0431\u0435\u0446<\/a> examines a recent brief, where researchers explored whether married couples are making the most of employer matching contributions by coordinating how they split retirement savings between their workplace plans.<\/p>\n

The professor mentioned that contribution-based plans, particularly 401(k)s<\/a>, have become the primary retirement savings vehicle for U.S. workers. More than 80% of employers that offer 401(k) plans also provide matching contributions tied to employee savings.<\/p>\n

Previous research has shown many workers fail to maximize employer<\/a> matches, effectively leaving free retirement money behind. The new analysis asks whether couples make similar mistakes.<\/p>\n

Small adjustments, bigger retirement balances<\/h2>\n

The research found that roughly 40% of couples actively coordinate their 401(k) contributions to maximize employer matching funds.<\/p>\n

But about one in five leave available matching dollars unclaimed because they fail to allocate contributions between spouses in the most advantageous way.<\/p>\n

The brief illustrates the issue with a hypothetical couple contributing a combined $480 each month to retirement accounts. <\/p>\n

By shifting contribution percentages between spouses to take fuller advantage of one employer\u2019s more generous match, the household could receive an additional $30 per month from employers without increasing its own savings, said Sanzenbacher.<\/p>\n

He added that over 30 years, assuming a 5% real return, that change could produce roughly $25,000 in additional retirement savings.<\/p>\n

Researchers also found that another 40% of couples appear uncoordinated but still receive the maximum available employer match, likely because both spouses independently contribute enough to qualify.<\/p>\n

For couples that miss matching contributions, Sanzenbacher says the solution may be surprisingly straightforward.<\/p>\n

\u201cThese couples can build more retirement wealth by paying one very low \u2018cost\u2019: simply having a conversation about their employer\u2019s 401(k) match and how much each is contributing,\u201d he writes, adding a final nudge: \u201cI know communication can be hard \u2026 but c\u2019mon people. Get talking.\u201d<\/p>\n

Financial adviser works to overcome lack of education<\/h2>\n

Financial adviser Ryan Ponsford believes the biggest obstacle in retirement lending is a lack of education among both financial advisers and mortgage professionals.<\/p>\n

\u0412 \u043d\u0435\u0434\u0430\u0432\u043d\u0435\u043c \u0438\u043d\u0442\u0435\u0440\u0432\u044c\u044e<\/a> \u0441 \u0416\u0438\u043b\u044c\u0435\u041f\u0440\u043e\u0432\u043e\u043b\u043e\u043a\u0430<\/strong>\u2018s Reverse Mortgage Daily, Ponsford said that advisers often dismiss \u043e\u0431\u0440\u0430\u0442\u043d\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430<\/a> without understanding how they can fit into a broader retirement income strategy, while lenders frequently fail to communicate the product\u2019s role in financial planning.<\/p>\n

\u201cWhat I\u2019m finding is, once advisers start understanding the flexibility you can get by putting this line of credit in place sooner rather than later, it opens their eyes to a ton of different things,\u201d Ponsford said.<\/p>\n

He added that reverse mortgages are not appropriate for every retiree, but they deserve consideration alongside other retirement planning tools.<\/p>\n

\u201cIf I\u2019ve got $500,000 and I can find something for $700,000 and not have a mortgage payment, that\u2019s big,\u201d Ponsford said. \u201cIt\u2019ll get trickier at today\u2019s \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438<\/a>, but for the right person in the right circumstances, it should be part of the conversation. As an adviser, you should know it\u2019s not going to win every time, but I think it\u2019s malpractice not to consider it.\u201d<\/p>\n

This article was written by Jonathan Delozier and generated with the assistance of HousingWire Automation.<\/em><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Many couples may be missing out on thousands of dollars in additional retirement savings simply because they are not discussing how they contribute to their workplace retirement plans, according to a new analysis highlighted by a Boston College economist. Geoffrey Sanzenbacher, an economics professor at Boston College and research fellow at the Center for Retirement […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63667","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nCouples can boost retirement savings with one simple conversation - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/couples-can-boost-retirement-savings-with-one-simple-conversation\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Couples can boost retirement savings with one simple conversation\" \/>\n<meta property=\"og:description\" content=\"Many couples may be missing out on thousands of dollars in additional retirement savings simply because they are not discussing how they contribute to their workplace retirement plans, according to a new analysis highlighted by a Boston College economist. Geoffrey Sanzenbacher, an economics professor at Boston College and research fellow at the Center for Retirement […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.com\/ru\/couples-can-boost-retirement-savings-with-one-simple-conversation\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-29T01:00:32+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/housesmarketplace.com\/#website\",\"url\":\"https:\/\/housesmarketplace.com\/\",\"name\":\"Houses Marketplace\",\"description\":\"International Real Estate\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/housesmarketplace.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#webpage\",\"url\":\"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/\",\"name\":\"Couples can boost retirement savings with one simple conversation - Houses Marketplace\",\"isPartOf\":{\"@id\":\"https:\/\/housesmarketplace.com\/#website\"},\"datePublished\":\"2026-07-29T01:00:32+00:00\",\"dateModified\":\"2026-07-29T01:00:32+00:00\",\"author\":{\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\"},\"breadcrumb\":{\"@id\":\"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/housesmarketplace.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Couples can boost retirement savings with one simple conversation\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/housesmarketplace.com\/#personlogo\",\"inLanguage\":\"ru-RU\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/housesmarketplace.com\/ru\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Couples can boost retirement savings with one simple conversation - Houses Marketplace","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/housesmarketplace.com\/ru\/couples-can-boost-retirement-savings-with-one-simple-conversation\/","og_locale":"ru_RU","og_type":"article","og_title":"Couples can boost retirement savings with one simple conversation","og_description":"Many couples may be missing out on thousands of dollars in additional retirement savings simply because they are not discussing how they contribute to their workplace retirement plans, according to a new analysis highlighted by a Boston College economist. Geoffrey Sanzenbacher, an economics professor at Boston College and research fellow at the Center for Retirement […]","og_url":"https:\/\/housesmarketplace.com\/ru\/couples-can-boost-retirement-savings-with-one-simple-conversation\/","og_site_name":"Houses Marketplace","article_published_time":"2026-07-29T01:00:32+00:00","twitter_card":"summary_large_image","twitter_misc":{"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c":"admin","\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"3 \u043c\u0438\u043d\u0443\u0442\u044b"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/housesmarketplace.com\/#website","url":"https:\/\/housesmarketplace.com\/","name":"Houses Marketplace","description":"International Real Estate","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/housesmarketplace.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ru-RU"},{"@type":"WebPage","@id":"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#webpage","url":"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/","name":"Couples can boost retirement savings with one simple conversation - Houses Marketplace","isPartOf":{"@id":"https:\/\/housesmarketplace.com\/#website"},"datePublished":"2026-07-29T01:00:32+00:00","dateModified":"2026-07-29T01:00:32+00:00","author":{"@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d"},"breadcrumb":{"@id":"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/housesmarketplace.com\/couples-can-boost-retirement-savings-with-one-simple-conversation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/housesmarketplace.com\/"},{"@type":"ListItem","position":2,"name":"Couples can boost retirement savings with one simple conversation"}]},{"@type":"Person","@id":"https:\/\/housesmarketplace.com\/#\/schema\/person\/665c421ad640387074205c0c27f1322d","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/housesmarketplace.com\/#personlogo","inLanguage":"ru-RU","url":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/140237897fb8310eb02b9e9e60bc4c80ec8ee5e10f4896a3c4d6b98a92bf825e?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/housesmarketplace.com\/ru\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/63667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/comments?post=63667"}],"version-history":[{"count":0,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/posts\/63667\/revisions"}],"wp:attachment":[{"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/media?parent=63667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/categories?post=63667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/housesmarketplace.com\/ru\/wp-json\/wp\/v2\/tags?post=63667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}