Couples do a lot of things together — including making mistakes when it comes to retirement and money, according to NerdWallet — which surveyed 1,800 Americans in a relationship (married or living with a partner) to see how they handled financial decisions.

And what they found was that couples were making a number of substantial mistakes when approaching saving for retirement. Among those errors:

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  • Failing to take action.
  • Not talking to one another about what they were (or weren’t) doing.
  • Making basic mistakes on how to take advantage of various retirement savings strategies.
  • Having no idea of what their savings targets should be.

Some of these are simple communication issues, since it’s not easy for people to talk about money — sometimes especially with those closest to them.

But other mistakes go deeper — and sometimes both partners know about it, but just don’t take steps to change behaviors that can endanger a couple’s retirement. Other times, one partner’s ignorance of what the other is doing — or not doing — can be the problem.