By the time most couples reach their 40s, they assume they’ve got money figured out. Careers are established, kids may be growing more independent, and the stress of early adulthood starts to fade. Yet for many, this decade brings a new wave of financial surprises that can throw even the most disciplined budgets off course. From health costs to aging parents to unexpected lifestyle inflation, the 40s are full of lessons that catch couples off guard. Here are 10 financial surprises that hit couples after their 40s—and how to prepare before they hit you.
