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<<<<Are you planning not to be married to him in 20 years? That may sound like a facetious question,
but to me it sounds like you plan for him not to be living with you when he retires>>>

Huh? No, that's not at all what I meant. I'm planning to be married for the rest of my life. We'll be merging our bank accounts immediately.

I just meant that I'm further along in my retirement than he is.

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