Every year executive coach Christina Foxwell completes a vision board with her husband. Even though retirement is 10 or more years away, the idea is that by doing this, the two of them are dreaming of the future and also checking in to see where their hopes align, and perhaps where they don’t.

They’ll also chat to a financial adviser, and have long, sometimes difficult conversations with each other (glass of wine in hand) about what they want to do, and how they can both make it happen.