This is something I worry about constantly. I keep trying to get my Huzz to at least talk about this but he's in denial, keeps saying we don't need to do anything *yet* (by that he means "ever") but like I keep trying to tell him, depending on what kind of change we make to spend our final years, usually it takes time to get that set up, whether it's getting on a waiting list to move into some kind of senior housing, etc.
Very risky talking to another about what you would like to do that combines the Two of you.
Not all in a marriage will agree when the time to make more plans when one has already given so many years to the marriage. That is why marriage isn't a mutual respect toward more future plans.
Some can't agree with death on a mutual stand.
Leaves one standing alone while the other may hope to out live the other for a gain not including you. Harsh realities can be difficult to see when your loyalty is still evident.
That has been my dilemma in the marriage deal. Not one signed up for loyalty. My grief.