Dear Annie: I have a recommendation for your older readers who are considering getting married: I strongly suggest they talk to a financial adviser about the monetary perils of marriage.

Married people are also liable for each other’s debts (think medical expenses). Nothing like suddenly being widowed and facing crushing medical bills. Long-term care also taps into both people’s assets if married. I know two couples who got divorced because of this.

Losing even a few hundred dollars a month could make a world of difference in their standard of living. By all means, have a commitment ceremony, but senior citizens should be mindful of the financial hazards of becoming legally married. It could threaten their well-being. — Practical

Dear Practical: Thank you for offering your perspective.

All couples, regardless of age, should have a conversation about finances before deciding to get married. The more money is at stake, the more need for professional advice.

Read more Dear Annie and other advice columns.

“How Can I Forgive My Cheating Partner?” is out now! Annie Lane’s second anthology — featuring favorite columns on marriage, infidelity, communication and reconciliation — is available as a paperback and e-book. Visit Creators Publishing for more information. Send your questions for Annie Lane to [email protected].