And what about the uncoupled? People who are single, widowed or divorced have a few more regrets about planning for retirement than people who are married. Compared with couples, a higher percentage of singles wish they'd saved more, had started saving earlier and had planned better for retirement expenses.

"Those that aren't married are more likely to keep working until they are eligible for Medicare, Social Security, and a pension," said Thompson. A higher level of debt often plays a part. Being married may not always bring bliss, but it does seem to bring stronger finances.

The working paper itself is very interesting but a little dense.

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