 From Coach Pete's Money Desk, America's wealth coach and best-selling author, Coach Pete Deruta. Coach, what considerations need to go into planning for retirement when you're working with couples? You must have a plan that is self-completing for both of you, not just one of you. I know we always say, well, Harry's going to die first. Well, then Harry outlives everybody by 20 years. So you don't know, right? One thing I've learned in my few years here on this little round planet is you don't know.