If you are currently married but have cohabited with a lover other than your current spouse, you are slightly more than twice as likely to divorce than someone who has never cohabited.

如果你目前还维持婚姻但你和伴侣分居和情人同居，那你的离婚机率是从来没有和第三者同居过的人的两倍多一点。

youdao

What if you want to leave one IRA to charity and one to your kids or one to your kids from your first marriage and one to your current spouse?

FORBES: Is it time to move your IRA?

The way forward from U.S. News is to sort out your likely Social Security income, any pensions due to you or a spouse, then subtract that from your current cost of living.

FORBES: Making Resolutions? This One Matters

If your kids are grown, your spouse may have to beg them for help to maintain his or her current lifestyle.

FORBES: Magazine Article