Planning for your retirement as a couple gives you more options. First, one of you can start collecting Social Security before the other. By delaying Social Security income, your household income will go up when the second person starts to collect.
This is difficult to imagine and hard to leave money on the table for some people. I look at it this way…you are most likely going to live to be in your late 70’s or late 80’s even. At that age, neither one of you is going to want to work to supplement your income. I know you may not want to work now, but you will have more options to work now and more money later if one of you waits.