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boogiewrites · 4 years ago

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Mae Flowers Ch. 8

Characters: Alfie Solomons x Mae LeBlanc (OFC)

Summary: A modern, magical Alfie Solomons AU. Alfie takes Mae out to celebrate a milestone in her magical work. It turns into an evening of deep conversation and bonding, learning about one another.

Warnings/Tags: Language.Magic/Supernatural.FLUFF. Bonding. Talk of being soul mates. Support/Love. Talk of confidence issues and mild bad memories.

Click on my screenname then go to Mobile Masterlist in my bio for my other works and chapters. (Had to do this since Tumblr killed links, sorry.)

“Go throw something on that makes you feel like celebratin’ and we’ll go out ‘n do just that.”

It was a simple enough request. But one Mae was having a hard time with. She watched the grass and soul gather in the antique tub's drain, washing the sweat from the sun off her warm brown skin. Wiggling her yellow-painted toes, she took a few deep breaths to ease the sense of anxiety building and give the many potted and ivy plants in the bathroom a good dose of co2.

She stood before her full-length mirror in her room whose colors all deep jewel tones made her feel at peace. A mix of malachite, amethyst, and a pop of color with citrine soothed her as she adjusted her dress. Mae wasn’t the “going out” type. Like most, she had a dress that had been dormant in her closet for ages. The one that you bought on a whim when you had some manic episode where you swore you’d start going out and dating and having fun like everyone said you should. But it just sat in the back of your closet. A reminder of money wasted and goals not met.

She frowned, her dark curls against her shoulders only covered by the thin straps of the bold red dress. Her hands moved across her body, a pudge to her stomach, her hips wide from her pear shape and her breasts barely enough to fill out the cups of the dress. It reminded her of the “hot girl” dresses in 90s movies from when she was younger. Cinched in a baby doll cut and the rest hugging her body in a way she was unfamiliar with showing off. Her denim cut-offs and a tank or shop t-shirt were her go to outfits. She never purposely dressed up to seem more attractive, it was function over fashion for her at this point in her life. The last time she’d gotten “dressed up” had been when Ruth and Nancy set her up with a “nice boy” from their church. What a bust that had been.

She let herself take a deep breath to gather what confidence she could and it only deflated into a sigh. She let her head fall back and made silent protests with clawed hands and an angry face before stomping and glaring at her reflection. Why couldn’t she just feel...good? She was a so-called powerful witch but all she saw looking back at her was an unsure girl. Not the confident woman she wished she was. Her chest aches a bit, a pit in her stomach as sadness came and went, flashes of failed attempts at dates and moments others killed her hard work at feeling confident in one single comment.

“Okay…” she exhaled forcefully. “This is as good as it’s going to get.” She flops her hands to her hips and decides maybe a cardigan would be an acceptable addition to the outfit. She could cover up a bit, but it wouldn’t look like she was trying to hide. Yeah. That’d work. She found comfort in the extra layer, adjusting it over her cleavage as she exited her bedroom.

Alfie stood relaxed and confident as always. He looked up to her, hazy blue eyes under a heavy brow of ginger tinged hair. He blinks slowly and watches her unsure movements. He could very literally see the dark haze of uncertainty around her but only a blind man couldn’t see how shy she felt.

“Why’ve ya got a sweater on? It’s blazin' out.” Alfie asks with a furrowed brow as he sees her usually sunny disposition missing.

“If you think it’s hot now I have some bad news about the summers in the south.” she answers back, a clear deflection.

“I know it’s hot enough to melt ya bollocks to your leg down ‘ere but that’s not what I asked now was it?”

Her face falls into a defensive expression. “It’s part of the outfit.” she says and averts her eyes from his.

“Mae. Now, what would be the point in lying to me? When I don’t even have to get into that noggin of yours to read it.”

“None I guess.”

“So why are ya?”

“Because I don’t wanna get into it,” she states with an attitude-filled head shake. “I’m just trying to...get through this night out you wanted to do.”

“Nope.” he says with a clap of his hands and moves her over to the couch. He squats in front of her and stares her down. “We don’t lie to each other Mae. Not only is it pointless it serves no purpose for growth. And that’s why we’re together. So I’ll ask again.”

“Just read my mind if you wanna know so bad. Since you can just poof everything into existence without trying.” she snaps back.

“You’re acting like a teenager, Mae. You’re a grown woman.”

She glares at him because he’s right. “I’m wearing it because I want to hide. Is that what you want to hear?” she blurts out.

“The truth yes but I never want you to feel poorly.” he pats her knee. “Why?”

She huffs out, feeling her face be red with embarrassment and hurt and anger. “Because I don’t… I’ve never worn this and it’s tight and I’m not… I don’t wear things like this because it’s something hot girls wear and I’m not that.”

“No, you are not.”

His eyes blink and go wide at his response.

“You are a beautiful woman. Not some slaggy young thing. You are of substance. Of...principal and power.” He sees the tears prickle up in her eyes from her rush of emotions. “You also look lovely in that dress. Red suits you. It’s a shame a woman like you would lack confidence when you owe the world nothing. You gracing these mortals with your visage is a gift they do not deserve.”

“You’re just being full of shit now Alfie.” she groans.

“No. No Mae darling I am not. I said no lies did I not? I stand by that.” he raises her chin with his calloused index finger. “I understand that your big big soul is feeling lots of things in this little human body of yours. I know you’ve been hiding it from me and I commend you for trying to handle it all on your own. But the purpose of us existing my love is to NOT have to deal with these burdens alone. Now tell Alfie what is wrong so he may mend it.” he leans in to kiss her forehead and hug her. It was too much for her little heart to handle. “Let it out little one.” he shushes as she sniffles and pretends she doesn’t want to sob and wail.

“I just feel so… boring. So not confident and I don’t like what I see when I look in the mirror. Nothing is where I want it. I don’t look how I should. I don’t-” she hiccups and he wipes away her tears.

“Says who? Who told you you had to look any certain way? Some old rich white man behind a desk who doesn’t give a shit about you and only wants your sorrow to make more money off of things you don’t need based on self-hate? Who do these negative emotions serve eh? Not you. And you are all you have to be concerned with. You are as you are. As you are is how you should be. There is no “supposed to” in reality, Mae love. There is only a culture that hates women. And you are so very fuckin' far above their standards and expectations I cannot even begin to tell you. You are otherworldly. A soul full of sunshine and vulnerability. Things most humans hide from. You are growing and with that comes those damned waves of emotions. This is why we do the shadow work, yeah? We accept all parts of us, and release what no longer serves us? I’m not just talkin’ out me arse love. I promise.”

“You...really?” she sniffles.

“Not to force any standards of beauty upon you my darling little sunspot but you are the most beautiful soul I have ever encountered and will ever encounter. To me you are perfection and I hope one day to make you see that as well.”

She begins to cry again and he takes her back into his arms. “You’re so nice to me-ee-e.” she stutters.

“Only honest pet. You created life with your thoughts today Mae bug!” he squeezes her upper arms. “You are so powerful. And you’ve barely scratched the surface. Now let's dry those tears, right? Let’s take off this shroud of negativity you call a jumper.” he chuckles and takes it off her and then pats her cheeks with it.

“It’s a sweater you cockney bastard.” she lets out a giggle that he answers with an amused snort.

“There she is.” he bops her on the nose. “A smart mouth and cheeky disposition was something I always did favor in a woman.” he muses and helps her up from the couch. “And you are a clever little thing. Far too smart to feel so low about yourself.”

“Thank you.” she says quietly.

“Now chin up pumpkin. We are going to go out and have a wonderful time, yeah? Celebrate your progress and the simple fact it is a beautiful evening and we just so happen to exist at the same time. That’s enough cause for a drink and a good meal.”

“You’re… very good with words.” she says as he fusses with her curls and wipes away any running mascara from her eyes.

“Thank you. Ol’ cockney bastard like me has to have something going for him, eh?” he grins.

------------------------------------------------------------------------

Mae sat back and enjoyed the breeze in Alfie's antique car that resembled more of a boat to her. It was long, a bit excessive but it did suit him. Something quirky for a man that looked like some sort of mystical cult leader in dress and charm. He could feel the calm around them now. The late evening air humid but the breeze made it tolerable. With her head laid back in a nest of curls and her eyes closed the golden light of the sunset highlighted the round highs of her face. A round heart-shaped face with doll eyes and high cheek bones and a button nose sat in the middle of all the delicate softness. He smiles softly, glancing over and seeing her take in the day's last touch of sunlight as it sets.

“You seem to be doing better.” he speaks softly and pats her knee to break her from her half-hearted moment of meditation.

“I am.” She answers softly.

“You seem like the type to enjoy solitude and silence more than the company of others.”

“Yeah. When I was young I wanted to have ‘my’ people so bad. My own little group. But then I got used to being alone. Now I prefer it.”

“When other's lower vibrations drain your energy it’s hard to want to be around that. We can work on shielding. But tonight is about a good time. What is a good time for you Mae? What is that moment you just sit and relish in and appreciate?”

She tilts her head in thought. Blinking slowly she tries to find her happy place. “In the morning on Sundays. I’ve slept well and have the day off. I’ve got my favorite mug and I’m in my little spot in the sunroom. It’s raining and Percy is asleep on the bench. My music is playing in the kitchen. Outside is quiet and all you hear is the rain. You can forget you live around people on those mornings. Everything foggy and dewy and the sheets of rain run off the glass ceiling.” She lets out a content exhale. “That’s my favorite time.”

“Lovely innit. Life’s simple pleasures.” He mused and scratches his chin. “I believe I can work with that.” He nods. “I know a little hidden beer garden I believe you might enjoy. We'll go there.”

“A beer garden?”

“Yeah.” He says obviously and confused by the questioning inflection in her voice.

“What’s that?”

He turns and blinks rapidly at her for a moment before looking to the road. “You dont-?” His brows furrowed in question. “You don’t know what a beer garden is?”

“Would I be askin' if I did?”

He lets out a small snort of amusement. “‘Spose not. A pub-a bar outdoors. This one's in the old part of the city.”

“I don’t go there much because of the tourists.”

“No tourists where we’re going. Not exactly Bourbon street.”

“So an outside bar? Do they call those beer gardens? Weird.”

“Well, I think you not having tea in every restaurant is weird.”

“We got sweet tea.” She grins.

“We are not having this argument again Mae. That abomination is NOT tea. It’s sugar water in a cowboy hat.”

She lets out a giggle that warms him, recalling an almost argument on sweet tea and good British char one night before bed. Mae didn’t see what the big deal was. But she was promptly informed by Alfie it’s because she was a bloody yank so she never would.

————————-

The place he took her was off the beaten path. A small old white building with a courtyard in the middle with small iron tables and canopies. It was quiet and rustic and full of plants along the walls and in decorative planters. It felt green and wet and lush and alive and she felt oddly at home. A gentlemanly pulling out of her chair before he sat, his crystal pendants glinted in the sun around his neck. They lay at the edge of his vest, a dark and worn fabric over his usual worn in white button ups.

“Order whatever you like darlin' this is a treat for you.”

“I’m gonna order sweet tea.”

“Cheeky bugger.” he smirks and keeps his eyes on the menu.

“I’m not sure.” She says quietly.

“When I say order what you like I do mean you could order the whole fuckin' thing.”

She blinks and thinks a moment. “What if I actually did?” Her big curious eyes have a smile to them as she looks his way.

“I wouldn’t have to worry bout cookin' dinner for a tick then would I?” He answers with a playful nod her way. “I think I’ll go with seafood.” He says after a long pause. “No point in wastin' bein so close to the water eh? Perhaps calamari to start. Fried, of course, because you lot can’t just leave things be.”

“Never had that.”

“Hmmph. Guess you will be tonight.” He affirms with a nod.

“We could get the variety appetizer. I haven’t tried escargot either.”

“A day of firsts calls for a night of the same.” He declares confidently to her. “We are here for you Mae. Indulge.”

———————————

They sit among multiple plates and drinks, the frosted glass of the table growing cool as the sun sets and the garden lights and music turned on. A little candle was lit on the table for “ambiance” the waitress said with a wink. Mae tried to hide a blush but ALfie felt the ruffle of energy come from her and hid an amused smirk.

“Can I have some of your-?”

“Yes, of course, scoot ya bum over here.” Alfie chuckles and pulls her chair next to him. With their arms pushed together she lets out a small but audible content sigh. She continues to pick at his appetizers and he at hers. A vibrating calm between them as they touch.

“Nice innit?”

“It’s really good.” Her answer is muffled by the food in her mouth.

“The food is yes but not what I meant.”

“Wat.” She says with stuffed cheeks and wide questioning eyes.

“This.” He holds his hand out palm up on the table.

She looks at it and blinks.

In his head, he hears. “What the fuck?” And he laughs.

“Put your hand over mine Mae bug.” He chuckles as he holds her hand a few inches above his own. She holds in and swallows, she gives a small shiver in response. He touches his fingertips to hers.

“It tickles.” She giggles and slaps his hand.

“Not into tickling?”

She shrugs. “Not really? Not really had it done before.”

“How’s bout this?” He asks with a nod of his head, lacing their fingers together and resting

“Mmm.” She hums and smiles at him. “That you or the alcohol?”

“Can’t take credit completely. Can’t feel it myself without you.” He says it matter of factly but he feels the sentimental response like warm honey through his veins.

She studies his face a moment and then their hands, taking her time and connecting and disconnecting, tips then palms, moving to put as much skin to skin as she can. With their arms and shoulders pushed against one another, she speaks softly in realization, “It's when we touch.”

He makes a grunt of agreement. “What’s it feel like for you?” His curiosity gets the better of him.

“It’s...good.” She says after a pause.

“You can be more descriptive than that.” He scolds playfully.

“Than what’s it like for you?” She sass's back and takes a drink with her free hand.

“There was a place...long long ago I lived alone. Which is what I preferred. I got away from my old life, a pipe dream to be sure. But it was the happiest I had been before...this life. Feels like that relief. But without the loneliness.” He looks at her and she once again has tears in her eyes. “Oh come now love do your eyes ever dry?” He laughs and dabs at her cheeks.

“That’s better than I could ever put it.” She says and smiles. A sniffle and she squeezes back. “It’s our souls right? They missed each other this much? It’s like I feel warm down into my bones.”

“We missed you more than even my silver tongue can express.”

She lets out a heavy sigh. “I must’ve missed you too. Because this feels…” she smiles sweetly and puts her head on his shoulder, only feeling more contentment. “Feels right.”

“Like morning sunshine. Warm and dare, I admit, happy.”

“Probably Like a good hug or like when Ruth makes me a pie when I’m sad.”

“I do suppose that would be rather good.”

“The best.” She smiles as she rests her cheek on him. “Man… people are missing out. This is like drugs.” She softly laughs.

“Why did you say it's probably like a good hug? Odd way to put it.”

“Well… people say hugs from people you love or miss are the best.” She pauses. “But I don’t know that I’ve ever had one of those.” She admits.

“I admit I don’t know how you aren’t beloved by everyone. A sunspot like yourself should know of everything good and pleasurable in life. You deserve only the best Mae. And if I can help it I’ll help you feel the love you’ve deserved. Show you how to open up. You are a white witch after all, you radiate love.”

“Guess it’s all going out and not stayin' in” she mumbles and gives him a half-smile. It was a rather good observation.

“So many things you haven’t done yet” Alfie muses as he feels her inexperience in her thoughts.

“I can… feel you up in there.” She pulls away and shakes her head, curls bouncing. She shivers. “That’s so strange I can… feel you in there now.”

“You’re learning how to.”

“It kinda… feels like you’re scratching an itch in my brain.”

“Because I mean no harm, only help.”

“Does it hurt if a bad person is trying to get in my head?”

“For a sensitive little bean like yourself, I would assume so. It’s all about intention. As I’ve said. I see loneliness and fear of missing out and I want to alleviate it. So with good intention brings good feeling.”

“What are you seeing?”

“I don’t want to upset you, darling.”

“It’s my head it won’t upset me.” she snorts.

“I see you alone at a school dance. On the bleachers. Watching everyone else dance together.”

“Yeah. That is a bit upsetting.” She shrugs. “But a long time ago.”

“It was...the first time you felt a real romantic rejection and alienation.” He squints his eyes as he saw a small underdeveloped Mae in an out of style hand me down dress hiding tears as a boy she thought might’ve liked her looked at her and laughed with his date that was the opposite of what she looked like.

“Yeah… it got easier after that.”

“Shutting out everyone else isn’t easier Mae it’s self-sabotage.”

“Well.” She says thoughtfully. “It made it hurt less.”

He looks down at her with understanding. She was so full of life and emotion and she was robbing herself from fear and it made him sad for a moment to see her potential being stunted due to the hateful actions of others. “I’m here to show you how to master your emotions to unlock your potential, love.”

“That sounds...exhausting.” She looks down at his hand and rubs its embrace with her thumb.

“Nah. We can start small.” He insists with a look around. “Let’s start by checkin' something off your list.” He implores as he begins to rise.

“Like what?”

“I’m going to give you that dance.” He states obviously

“I don’t...I’m not a dancer.”

“Neither am I?” He laughs. “It’s about the experience. With it grows your confidence. It’s simple, I’ll show you.”

“I know HOW I just…” she glances around. “I don’t wanna in front of people.” She whispers

“I can fix that. Make it so no one notices us.”

“You can do that?”

“I can do most things you could ever imagine.” She looks around the small courtyard and weighs her options. He stood with a steady hand outreached .”I could even SHOUT ABOUT HOW ICED TEA IS SHIT...and no one can hear.” He grins.

Her eyes go wide but see's no one even glances their way as she rises to her feet. “Are we invisible?”

“No, just an illusion of the mind.”

“Can I be invisible?” She asks as he pulls her to the open center of the patio space.

“I can show you how to be very elusive. Although I don’t know why you would want to be.”

“Because I’m shy. Crippled with anxiety. Full of trauma. Where do you want to start?” She answers honestly but with a chuckle.

“We’ll start with this.” He pulls her close and minds his hands to keep it PG. She was skittish enough without adding physical affection to the mix.

She slowly gives in to his affectionate embrace. A simple back and forth and distanced as she’d wanted in her memory. He can feel the remnants of hurt the memory left around her, her yellow energy turning blue. “I know it means nothing when a man says these sorts of things, and only time will prove it to be true but you don’t have to worry about me rejecting your true self Mae. You do know that?” She looks up at him, knowing she must’ve been very bad at hiding her fear. “As cliche as it is we were made for each other and I have no intentions of abandoning this partnership.” He pauses and she lets out a heavy sigh. “I know love it seems like everyone has left you that’s said that. But I won’t yeah?” He gives her cheek a gentle playful stroke.

“Thank you. For trying to help me.” She says softly, feeling a warmth that wasn’t from the summer evenings still wet heat. “For being nice while I’m… still all...fucky.” She grins and lets out a soft laugh. “I know I’m grown but I feel like such a child sometimes. I’m kinda glad you can read my mind because with feel like I don’t even know what’s going on in there sometimes.”

“You’re going through a...magical puberty Mae and you’re doing wonderfully. I only celebrate things worth it and today-and your work was. Excess innit? Folks like us aren’t meant to be about it. It’ll go to our heads.”

“Good thing I don’t have to worry about that.”

“Your powers are just beginning and you’ll grow as they do. You’ll come to understand yourself and the things you’ve been through as lessons. You have so much power within you little one you’ll be astounded one day looking back at your life before. We have so much to gain, and it’s worth these emotional outbursts your human self insists on having.”

“You make everything sound so fancy and purposeful.”

“It’s just the age and accent dear.” he grins.

“You’re very wise.” She insists with big soft eyes. “I’m glad you’re my person. I need someone to keep things straight like you do.” She leans in and hugs him but doesn’t pull away.

He smiles down at her, a flutter in his stomach for this small gentle creature being accepting of him despite the dark monstrosity he had fancied himself for so long. “You’re too kind Mae.” He places a kiss on her bouncy head of curls and settles into a comfortable embrace.

She sighs and surprisingly to him cozies up to his chest. “I like these Feel Good drugs” she grins as he holds his hand to her bareback with her head on his chest. “I’m glad you’re here.”

“Course. Always will be.” they both feel it warm and encompassing them both. A moment of being on the same page and the barriers between them thin.

———

They stuffed themselves on seafood and local beef and ease was between them now that hadn’t existed before. A bit of honesty went a long way with Mae. Her nature was very trusting in general and optimistic, so Alfie's reassurance left her feeling much more relaxed than she had in a long while. Alford was practiced at restraint as Mae was not. So he could not only feel but see in her eyes as they parted for the night to go to their rooms that she didn’t want to separate. He found it very endearing of her to want him around. He would as always have her make her own choices in her own time. Make her ask for the things she wanted. So instead of making the giant step of sleeping in the same bed, platonically, mind you, he simply whispered a soft intention as she snuggled into her own bed and yearning for that comfort he gave her now.

“Sleep well little one and may the morning find you as sunny as it.”

She hears him in her head and sighs, a happy one this time.

“Goodnight Alfie.” She murmurs, trying to send the thought his way and not knowing if she succeeded. But she had.

@jaegeeeeer @brianaisasongbird @hardygal69 @emerald-bijou @captstefanbrandt @coolgh0st @tinastarkandco @xstylishmileage @peakys-mystic @likedovesinthewnd

#alfie solomons au #alfie solomons fan fiction #alfie solomons #alfie solomons fic #alfie solomons fanfic

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incomeclub-blog · 8 years ago

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5 Tips That Will Help Couples Make a Perfect Retirement Plan

Are you dreaming of the perfect retirement?

Then it’s going to take a solid plan.

If you’re part of a relationship, this means going after this goal together. The following five tips will help with this.

Be Open and Honest with One Another

Ideally, you should be honest with your loved one about your financial situation long before you ever get engaged. That will make life so much easier.

If you haven’t done that yet, it’s never too soon. Stop reading and go do that right now if you haven’t already.

Still, even if you did go through that process, that doesn’t necessarily mean you both understand what you want from retirement.

Too many people take retirement for granted insofar as they assume everyone wants the same thing. They all want to retire at 65. They all want an easy life. They all want to take up a hobby or two.

This isn’t always the case, though.

Even if you’re positive you know your spouse, it’s important that you’re honest about your retirement goals.

Unfortunately, a lot of people aren’t and that results is missing major milestones on the way to retirement. This can mean they don’t retire on time or retire the way they wanted to. What’s worse, they might meet their retirement deadline only to find out they’re not really happy.

Here’s a chilling look at what happens when spouses aren’t on the same page about retirement from the Telegraph:

“The findings emerged in a study of 660 retired people still in relationships, which also showed many find their old spark has gone after giving up work.

“Instead of celebrating their new found freedom together, eight in 10 discover they don’t share any of the same hobbies and interests while one in five bickers about a lack of money.

“Four in 10 pensioners polled also admitted they needed to learn how to live with each other again now that the children have left home and they are no longer committed to work.

“The study also indicated one-third of retirees spend much of their time arguing about silly things with the other half, and 13 percent admit they “irritate each other beyond belief.”

“And a further 29 per cent were surprised to find they didn’t have the same expectations for their ‘golden years.’”

As soon as you can, sit down with your husband or wife and be completely honest about what your goals are for retirement. Accept the fact that you might disagree and may need to modify yours. That will be a lot better than pursuing a retirement plan you think you’re both in favor of only to find out the hard way that your loved one isn’t happy.

TRY INCOMECLUB DEMO.WE WILL BUILD A BOND PORTFOLIO SAMPLE FOR YOU,AT NO CHARGE.

Trying to Come Up with a Retirement Plan on Your Own

This is one of the easiest retirement plan mistakes to avoid, yet it happens all the time.

When it comes to most major decisions, you and your spouse probably seek professional help. If it came to your health, you’d talk to a professional. If you needed major landscaping done, it is the same thing. You probably even seek the advice of a professional before taking a major trip; you want to make sure your plans will lead to a good time.

Yet, when it comes to retirement, far too many couples think that’s something they’ll be able to figure out all by themselves.

Now, if you’re a financial professional, fine. Maybe you have experience and know how to come up with a retirement plan from scratch. If that’s the case, do it. Go right ahead.

However, if you don’t have years of experience, why would you take on such an important obligation? The decisions you make regarding your retirement plan will absolutely affect you for the rest of your life.

The good news is that you don’t necessarily need to go the old-fashioned route and pay a lot of money to meet a professional in person.

Donna Rosato at Money advises:

“Taking advantage of that advice can pay off. In a recent Voya Financial survey of full-time workers, people who saved the most for retirement used online financial advice tools and educational materials provided by their employers at more than double the rate of the lowest-scoring savers.”

Nonetheless, the important thing is that you don’t take your retirement plan into your own hands.

This goes back to our first point about honesty, too. In many couples, there is an individual who is in charge of the money. On a day-to-day basis, this may make perfect sense. You don’t need a professional to tell you it’s time to pay the electric bill or that you need to put a certain amount in the 401(k).

Unfortunately, this often leads to that person thinking they can also figure out their retirement plan. Maybe this is you, or maybe you’re the one who is worried about your spouse taking the reins of something so important.

As a result, in an attempt to protect their ego, you don’t say anything as they bump around in the dark trying to come up with a coherent retirement plan.

Again, being honest with one another also means being honest about the challenges that stand between you and an ideal retirement. If you can do that, it should become obvious that a professional touch is needed – even if it happens over the computer.

Make Your Retirement Plan a Group Effort

The last point provides a nice segue to this one because your retirement plan can’t be something only one of you goes at alone.

Let’s say you nailed the last two steps. You sat down with each other and were honest about what you both wanted from retirement.

Then, you both sought the guidance of a seasoned professional on putting your retirement plan together.

So far, so good.

How could anything go wrong?

Well, let’s say that now you fall back into your old habits and only one of you is dedicated to seeing that retirement plan through.

The other person might be in the loop, but they might also get distracted and go make purchases that don’t align with that all-important retirement plan. Even if it’s just small things – a latte here, a round of golf there – the entire thing can fall apart.

Again, it’s okay to divvy up responsibilities in a marriage. Many would argue it’s necessary for the sake of efficiency.

Your retirement plan should not be one of these areas, though. Both members of marriage must be equally dedicated to seeing it through.

One easy way to do this is by having weekly or bi-weekly meetings to make sure both sides are on the same page. Thanks to modern day technology, it should be easy to sit down and go over the bank and credit card statements to ensure things are on the right track.

At first, this may cause some friction. After all, you could find out that one or both of you was veering off the decided path. Over time, though, you’ll be much better off by making retirement a group effort.

Getting Specific About Spending Habits

As we just mentioned, it can be very easy to stray from your retirement plan when it comes to the day-to-day efforts required. The easiest way to combat this is by drilling down to spending habits.

Just like with so many other things, it’s your habits that determine your results. In other words, it’s the things you do every day that will decide whether or not your retirement plan is successful.

It’s still important to hold regular reviews, but you don’t want to merely be reactive about this. Being proactive will yield much better results.

Building off of earlier steps, when you and your spouse talk about your retirement plan, talk about what it will take every single day to reach it. What will you spend your money on? What will you forego? What kinds of indulgences will you allow yourselves?

These don’t have to be set in stone, either. It’s perfectly all right to revisit them whenever you feel like it. If you think it’s time to change things up, then – again – just be honest! It’s better than letting your thoughts boil over.

The other great thing about focusing on habits is that most people find out how flexible they are. At first, saving on groceries might seem like a chore, but after a while, it could become alarmingly clear that it’s actually easy and even something you could do more of – meaning more money toward your retirement plan.

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Putting Your Retirement Plan Above Everything Else

If you and your spouse are to have a happy marriage, you’re going to have to spend a lot of time doing enjoyable things. This doesn’t have to mean a vacation to the Bahamas. It might just mean spending the night together watching TV or going out to a movie.

Whatever the case, despite all we’ve said here, don’t become so obsessed with your retirement plan that you forget to live. If you do that, your marriage probably won’t make it to retirement in the first place. You might even find that you don’t really feel like spending retirement with the person you married.

If you did the other four steps well, then you don’t need to feel bad about spending some money on having fun. That’s because you’ll be taking the necessary measures to ensure this kind of fun is affordable.

This is where, once again, hiring a financial professional to help you will come in handy. By putting together a budget that fits your goal for retirement, they’ll be able to allow for a certain amount of money to do whatever you want.

The key is to strike a balance. “All things in moderation” as they say. If you become too strict about following an impossible financial plan, it’s only a matter of time before one or both of you breaks. That’s only human nature.

It’s like an unrealistic diet. Your dedication and ambition are admirable, but they may also be your worst enemies. Instead of trying to lose 100 pounds in a month, give yourself some leeway and aim to do it in 2 years. Every now and then, it’s okay to splurge and have a piece of cake or even a whole pizza.

Likewise, it’s just fine if you want to go on vacation or buy that new TV you don’t absolutely need. If you work hard for your money, it’s only right that you spend it. As long as you’re not doing it compulsively, behind the back of your spouse or in a way that hurts your retirement plan, who cares?

Bonus Tip: Keeping Up with the Joneses

Finally, one last thing worth mentioning is that no two couples are the same. Don’t assume that a path toward retirement that fits your friends is the one that will work best for you. That’s a recipe for disaster.

When couples try to match each other in material matters, we call that “keeping up with the Joneses.” Nothing good ever comes from it. People overspend on stuff they don’t need just to maintain appearances.

This can quickly destroy a plan for retirement that was otherwise masterfully crafted by a professional. In an effort to stay in pace with your friends, you make a comfortable retirement a near impossibility.

Understand that you have no idea what other people’s financial situations are. They might appear like they’re doing really well on the outside when, in truth, they’re actually drowning in debt or otherwise miserable.

Your plan is your plan. Your goal is your goal. Your financial resources are what they are. Play your game and ignore what your friends and neighbors are doing in terms of theirs. It’s none of your business anyway.

The best laid financial retirement plans are no good if you and your spouse can’t come together and work toward them as a team. It starts by being honest with one another, but, so long as you follow the other four steps after that, a happy, comfortable retirement is an easy goal to hit.

5 Tips That Will Help Couples Make a Perfect Retirement Plan was originally published on IncomeClub

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