One Husband Is Enough: Women in Their 60s See No Need to Remarry
Many don’t want the hassle or financial complications. ‘What would be the point?’
Many don’t want the hassle or financial complications. ‘What would be the point?’
In many ways, Alexandra Cruse is living the American retirement dream.
Cruse moved to Palm Beach Gardens, Fla., a year and a half ago to escape the cold winters in Massachusetts. She describes her financial situation as “perfectly comfortable” after a career in banking. She keeps active with yoga, volunteering at a local hospice, piano lessons, art classes and a bicycling group.
One thing she’s not interested in: saying “I do.” Cruse lost her husband of nearly four decades, Stephen, in 2015. And while she’s open to meeting a new partner, she has no desire to remarry.
“What would be the point?” said Cruse, 68. “Just the commingling funds is just too complicated.” Besides, “over 65, you’re not going to have any children.”
Plenty of American women are finding that they don’t need a husband to enjoy their golden years. Both men and women in their mid-60s or older are more likely to be divorced or never married than at any time in the past three decades. But the women are much less likely than their male counterparts to get remarried.
Part of the reason is that women have a smaller pool to choose from. They on average live about five years longer than men, according to the federal Centers for Disease Control and Prevention.
About 53% of U.S. women 65 and older are divorced, widowed or never married, compared with 30% of men, according to an analysis of Census Bureau data by Bowling Green State University’s National Center for Family & Marriage Research.
But there are other considerations, too. Women are more likely to maintain stronger social ties with family and friends, which means they have more support after a divorce or the death of a spouse. And for both men and women, American society has become more accepting of couples living together outside of marriage.
Susan Brown, a sociology professor at Bowling Green and one of the authors of the Census analysis, said that many older women “don’t want to be a ‘nurse or a purse.’ ” That means, Brown said, that they “don’t want to provide care and they don’t want to jeopardise their own financial stability.”
That’s the case for Christy Sahler, who has been divorced for almost three decades. She has no plans to remarry, as she wants to ensure her assets pass only to her daughter.
“It’s a bit lonely having dinner on my own,” said Sahler, who is 61 and lives in Tucson, Ariz. “But I recognise that if I had a partner I’d be going home to make dinner for that person.” Being single also frees her up to do other things in the evenings, like yoga and pottery.
After a divorce or bereavement, younger women are more likely than men to find a new partner. That trend shifts after age 35. By age 55 to 64, men are twice as likely to remarry, and more than three times as likely when they are age 65 and older.
The last time Pew Research Center polled divorced or widowed Americans about their intentions to remarry , in 2014, 54% of women said they didn’t want to get married again. Only 30% of men gave the same answer.

Research shows that marriage tends to be good for a person’s finances. Married people have a higher median net worth and are more likely to be homeowners than their unmarried peers, thanks in part to their ability to split costs, pool assets and get certain tax breaks.
Divorce is financially detrimental at any age, but particularly punishing later in life when people have less time to catch up financially. Women who divorce at age 50 or older experience a 45% decline in their standard of living, while men see their standard of living drop by just 21%, according to a 2021 study in the Journals of Gerontology. That can make women especially hesitant about entering another marriage: They worry about having to go through the same thing again.
Remarriage can also create thorny disputes around issues like inheritance and power of attorney, especially when both partners bring children into the relationship. Widows and divorcées who remarry may lose eligibility to their former spouse’s Social Security benefits.
Norma Israel’s first marriage ended in divorce when she was in her 30s, and she lost her second husband to cancer in her 50s.
She wasn’t looking for another relationship when, a year later, a co-worker invited her to a concert. She and Larry Chase have now been together for a decade and live together in North Beach, Md. They share a love for music and travel, but they don’t share bank accounts. And Israel has no plans to put a ring on it.
“It’s hard for me to have three strikes,” said Israel, 63.
Chase said he would get remarried if it were important to Israel, but he’s equally happy not to.
“Society seems pretty OK with it nowadays,” said Chase, 78, who was previously married and has a son.
“We’re in love,” he added. “It’s a pretty nice life.”
Na’ama Shenhav, who teaches public policy at the University of California, Berkeley, found that when women’s wages increase relative to men’s, so does the share of women who choose not to marry. The share of divorced women also rises when women’s wages increase.
Rosemary Hopcroft, a sociology professor emerita at the University of North Carolina at Charlotte, found that higher-income men are more likely to get married and remarried than men who make less money. For women, the effect is the opposite, at least for remarriage: Higher-income women are less likely to get remarried than other women.
“As women get older, the group of men they find attractive gets smaller and smaller; whereas for men, as they get older and more financially stable, the group of women they find attractive gets larger and larger,” said Hopcroft.
What’s more, longer lifespans mean people are looking at their golden years with a different time horizon. By the end of this year, the youngest of the baby boomer generation—around 70 million strong, or one in five Americans— will all turn 60 . According to the Social Security Administration, a 60-year-old man today can expect to live for nearly 24 more years, while a 60-year-old woman can expect to live for nearly 27 more years.
“For a lot of people that means thinking, ‘Am I going to stay in a potentially unsatisfying relationship for the rest of my life if the rest of my life is decades instead of years?’ ” said Jeffrey Stokes, associate professor at the Gerontology Institute at the University of Massachusetts Boston.
Today, overall divorce rates are falling. But the share of adults ages 65 and up who were divorced in 2022 was nearly triple the 1990 level, according to the Bowling Green analysis .
Lyn Silarski divorced in her early 50s after 16 years of marriage. A period of financial hardship followed, as she had to restart her career and deal with legal costs. She had to dip into her retirement savings and sell her house during a three-year spell of unemployment.
Today, Silarski is working as a graphic designer and living in a rented house in Manchester, N.H., enjoying the fact that she’s no longer responsible for the upkeep of the outdoors of the property. In her free time, she works out and goes hiking.
“I often say I wish I had a man to run around with, somebody who was a friend who wanted to do things, because I do have the girlfriends but they’re married and they’re busy,” said Silarski, 69.
Silarski, who has two sons and one grandchild, tried online dating, but found men her own age wanted to date younger women. Older men interested in a relationship with her were looking for someone to take care of them, she said.
“Perhaps someone might come along who would be an incredible fit,” Silarski said, “but I see that as kind of in the realm of miracles, really.”
Corrections & Amplifications undefined Research by Rosemary Hopcroft, a sociology professor emerita at the University of North Carolina at Charlotte, found that higher-income women are less likely to get remarried than other women. An earlier version of this article incorrectly implied the research also found they are less likely to get married. (Corrected on Aug. 24)
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Strong family financial planning can help reduce taxes and support younger generations. From intrafamily loans and asset gifts to inheritance disclaimers, strategic cooperation can create meaningful financial benefits—when families have the trust and structure to make it work.
Happy is the family whose members—parents, grandparents and grown children—trust each other enough to cooperate on shared goals, especially financial ones. When that is truly the case, Uncle Sam’s tax rules can help as well.
This matters especially now that mortgage rates are above 7%, and many families are looking for ways to help younger members. If the elders have resources and are confident younger ones can cooperate, a family loan could make homeownership possible while providing the elders with a useful income stream.
Other strategies can actually lower taxes, such as when funding 529 plans or Roth IRAs, or when someone inherits a traditional IRA with required withdrawals larger than they will need.
Here are three strategies useful for functional families.
It is perfectly legal for families to lend money to a relative for a down payment or even a private mortgage.
But it is important not to cut corners, says Ryan McKeown, a CPA with Modern Wealth Enhancement in Minnesota. If the loan is for a down payment, be honest with the mortgage provider and have a formal agreement. The lender owes tax on the interest payments received.
If the loan is for a private mortgage, both sides should have legal representation with a formal written agreement, including payment terms. The lender owes tax on the interest, and the borrower often can deduct it if he or she itemizes.
To avoid IRS trouble, the interest rate shouldn’t be lower than the agency’s Applicable Federal Rate at the time of the loan. Currently that is about 5% for loans longer than nine years; about 4.5% for loans three to nine years; and about 4% for loans three years or less. Currently, traditional mortgage rates are generally above 7%.
In addition, the lender could use the $19,000 annual gift-tax exemption (described below) to forgive some or all of the interest or principal annually. If both lenders and borrowers are married, that is up to $76,000 a year. There is no tax for the borrower on such forgiveness, because it is from a gift.
If you’re going this route, McKeown advises against having a fixed plan to forgive the debt. Instead, do it in one-off letters specifying the amount—and keep careful records. Otherwise the IRS might try to treat the loan as a taxable gift.
Powerful tax-saving moves for families often use gift-tax provisions. Under current law, anyone can give anyone else up to $19,000 of assets annually, free of gift tax. That means a married couple with three grandchildren could give them a total of $114,000 in 2026.
The gifts can be cash or other assets, like stock. For noncash gifts, the cost basis—which is the starting point for measuring taxable gain after a sale—“carries over” to the recipient. So if someone buys $1,000 of stock and gives it away when it is worth $5,000, the recipient’s cost basis is $1,000. If the recipient later sells the shares for $8,000, the taxable gain is $7,000.
Here’s an example showing how gifts could save a family taxes. Grandma is a widow of modest means, while her child and spouse have prospered. The couple has two children, and they want to contribute $5,000 to a 529 college-savings plan for each—but they need to sell stock to do it. Their tax rate on the sale would be 18.8%, and they would need to sell about $11,000 of stock.
However, Grandma’s federal tax rate on the stock sale is 0%. If the couple gives $10,000 of shares to Grandma, she could sell them, pay no tax, and fund the grandchildren’s 529 plans. This saves about $1,000 of tax.
These moves are legal, and they could be used in other ways, such as to help a young person fund a Roth IRA.
But trust among family members is essential: Under the law, givers can’t put conditions on a gift. Grandma could use her stock proceeds to take a cruise, but she makes 529 contributions instead.
Mark Sellner, a retired tax attorney and CPA living in Sarasota, Fla., uses this strategy. His children sell stock he gives them and fund 529 plans for his grandchildren.
The family’s tax savings aren’t huge, but he likes other benefits. The sales by his children don’t boost his adjusted gross income, which in turn could raise his Medicare Irmaa premiums or his 3.8% surtax on net investment income.
Sellner doesn’t worry about his children using the funds for another purpose.
“There can’t be any strings attached to gifts. Of course, it is up to us to decide whether to make them in the future,” he says.
Two caveats: The “kiddie tax” applies to most children under age 24, and it is levied at the parents’ rate on investment income above $2,700 in 2026. Consider this before making gifts to a young person.
Investors who give away stock also forgo the step-up, an important provision that exempts assets held at death from capital-gains tax.
Sellner knows he’s losing a step-up, but says, “The children could use a little more now. Why should they wait 20 years to get it?”
A disclaimer is a highly useful strategy in which one heir renounces an inheritance in favor of another heir. Assuming family members cooperate, this can save taxes.
Here’s one example. Dad died and had a large traditional IRA that he left to Mom. She has enough assets and income to cover her expenses, and she lives in a state with a stiff estate tax. The inherited IRA would put her estate over the threshold.
Also surviving are three young-adult children. If Mom disclaims all or part of Dad’s IRA within nine months of his death, that amount could go directly to the children. They will have 10 years to empty the account, and the family as a whole will likely save estate and income taxes.
Disclaimers have many key details, especially regarding beneficiary documents. Although heirs have great freedom in choosing what assets to disclaim, the rules about who gets disclaimed property are rigid. It is best if the original owner names tiers of heirs so that if one disclaims, the next recipient is clear.