Ian and Diane Cairns are pictured by the cottage they co-own with other local families in Lindsay, Ont. After retiring, the Cairns enjoy travelling together but often pursue different activities.

For some retired couples, the toughest milestones are behind them. They’ve raised kids, paid off the mortgage and saved up enough to finally kick back and enjoy life. But what do you do when your post-retirement goals don’t align with your spouse’s? Maybe you want to splurge on travelling the world, while your spouse wants to stay home and play pickleball.

Money can be a point of contention for many couples, young and old, but how to spend it during your retirement years has less to do with finances than respecting each other’s independence, according to some retirees.

“We definitely have dif

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