Now 77, I have been retired happily since I was 53. I was (technically) single all my life until I married early this year here in Nevada. This marriage is joyful for us both though fraught to some extent because same-sex marriage became legal only recently. I'll happily hear your good wishes too if you care to express them. I designated my new spouse the sole heir of my IRA. Since he is much younger than I am, my IRA MRD's (minimum required distributions) have their basis in our joint life expectancy; the MRD's are much lower than when I was single, saving me current income tax. Further, as a result of marrying, my estimate of estate tax dropped from six figures to zero; I have bequeathed most of my retirement assets to my spouse. I regret only that, given the great difference in our remaining life expectancies, he is likely to have a long widowhood after I die. I recommend that he remarry then. At least I know (with high confidence in him and the American stock market index funds and the houses I'm leaving him) that he won't be hungry or homeless without me.
. Now just need the courage to avoid the 5th OMY
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