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You’re financially stable

Now’s the time to reap the real benefits of years of endless mortgage payments: You can have sex anywhere you want in your paid-off home and you can do it in pricey, alluring lingerie, if you want to.

Older women tend to have more disposable income to spend on dinner dates and romantic getaways than they did in their younger years, says Dr. Richards.

You’ve worked hard; now’s the time to spend a little on your love life.

Next: Lubricants, anyone?