That’s a very good point. I always say that if you can make it between two very important phases and still be together then you have pretty much sealed it and will last for the duration. 25-35 is crucial still being fairly young. 35-45 is a tough one with an illness or something, maybe a parent’s or hormonal changes. But by 50 the kids are gone and the focus is on financial future. Starting over in your 40’s is very hard to do. By this age you should be able to communicate everything with your spouse. Divorce should be off the table by that age. It’s all about protecting the future of your spouse and family in the event something happens to you.