My Husband and I Are Retired and Fight More Than Ever. I Want to Take a Break to Save Our Marriage.

An older couple is sitting apart on a park bench in an autumn setting, looking upset and distant, portraying disagreement, relationship challenges, or emotional disconnect. — (Image credit: Getty Images)

Question: My husband and I are retired and fight more than ever. I want to take a temporary break to save our marriage. Is this a good idea?

Answer: The nice thing about being retired together with a spouse is that you have someone to share your days. A December 2025 Transamerica survey (PDF) found that 17% of retirees feel isolated and lonely. If you're married, you might be less inclined to experience those feelings.

However, too much togetherness in retirement could backfire, leaving you and your spouse constantly fighting and getting on each other's nerves. If that's the situation you're in, you might be considering a temporary break from your marriage so you and your spouse can reset and find a way to stay together.

From just $107.88 $24.99 for Kiplinger Personal Finance

Become a smarter, better informed investor. Subscribe from just ~~$107.88~~ $24.99, plus get up to 4 Special Issues

CLICK FOR FREE ISSUE

https://cdn.mos.cms.futurecdn.net/flexiimages/y99mlvgqmn1763972420.png

Sign up for Kiplinger’s Free Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Is taking a break from your marriage a smart move? Or is it likely to backfire?

A short-term break might work if you frame it correctly

The conflict level in your marriage might be such that you're not at the point that you want to call it quits, but you need a change immediately. Relationship therapist Karen Stewart says taking a break might not be a bad idea, but you need to set ground rules.

"I think a structured break at any time in a marriage could not only save the marriage, but could also improve overall wellness and happiness for both individuals in the relationship," Stewart says.

That said, Stewart insists, "The most important aspect is to create very firm boundaries and expectations of what this break looks like."

If you move forward with a short-term break, figure out a time frame, decide how often you'll speak to or see each other, and create a narrative for friends and family you're both comfortable with. Stewart says it's also important to decide how you'll navigate your mutual finances during that break.

That said, Stewart thinks a temporary break is a good time to enter couples therapy.

"Temporary separation does not have to equal divorce, and frankly, can prevent it," she says. "A physical break from spending time with your spouse can truly strengthen a relationship, especially in retirement."

Consider a different sort of break

Keisha Saunders-Waldron, licensed clinical mental health counselor at Confidential Confessions Counseling Services understands the toll retirement can take on a marriage.

"Retirement throws couples into this intense togetherness that they haven't experienced since maybe early marriage or having young kids at home," she explains. "You went from having separate work lives, different schedules, your own routines, to suddenly being in each other's space constantly. That's a massive adjustment, and most couples don't prepare for it."

Taking a break from your marriage during a retirement-spurred rough patch could be a good idea, says Waldron. However, she cautions, "When couples say they want a break, they usually mean physical separation — one person moves out temporarily. That might provide relief in the moment, but it doesn't actually solve the problem."

Waldron says that if you take a break without addressing the root of the problem, you're likely to experience the same issues once that break has ended. A better bet, in her book, is to create a structured space within the relationship instead of leaving it.

What does a healthy break look like without actually separating?

"First, you need individual space and activities," Waldron insists. That could mean a hobby, a volunteer commitment or a weekly meetup with friends.

"Second, rethink your physical space at home," Waldron says. "If you can, create separate areas where each person can retreat. One person gets the den, the other gets the spare bedroom or the basement." This gives you a previously negotiated place you can go when you need alone time.

"Third," says Waldron, "establish some ground rules about together time vs solo time." A lot of retired couples, she explains, fall into a pattern in which they're physically together all day but not actually connecting meaningfully. Instead, commit to an activity that allows you to really talk and connect.

If you're honest about expectations and work together to create a weekly schedule that bakes in plenty of alone time, you might find that you get the break you need without one or both of you having to move out temporarily, Waldron insists.

Like Stewart, Waldron says that if you're at the point that you're talking about taking a break from your marriage, you probably need professional help.

"A good therapist can help you navigate this transition, teach you communication skills, and figure out if there are deeper issues beyond just too much togetherness," she says. "Don't wait until the marriage is completely broken to get help."

Finally, Waldron says, while you're exploring your alone time, try to also reconnect with why you're together in the first place.

"Do things that remind you why you chose each other. Go on dates. Try new things together. Laugh. A lot of times, couples get so focused on what's wrong that they forget to create what's right."

Maurie Backman is a freelance contributor to Kiplinger. She has over a decade of experience writing about financial topics, including retirement, investing, Social Security, and real estate. She has written for USA Today, U.S. News & World Report, and Bankrate. She studied creative writing and finance at Binghamton University and merged the two disciplines to help empower consumers to make smart financial planning decisions.