Say you meet up with a married couple in their mid 60s with three adult children and a net worth of $3 million — $1.5 million in his IRA, $500,000 in their home and $1 million in nonretirement mutual ...

My father remarried when I was 16. His new wife sold her house, divided the proceeds among her three children, and moved into my father’s house. Over the 30 years they were married, she always spoke ...