Hardly a common perspective but the woman who said she'd need at least three marriages if she lived to 100 had at least thought deeply about it.
She was answering a question from the Commission for Financial Capability about what people would do if they knew they were going to survive until 100.
"You change as you grow older and it makes sense to have a different man for the different stages of my life," she says, unsurprisingly electing to remain anonymous.
"Or course," she added: "I would have had arrangements in place so they couldn't make off with my money. I don't want to be divorced and destitute."
She was taking part in a study by the CFFC which is currently reviewing New Zealand's retirement income policies, looking at things such as how NZ Superannuation should be structured, what should happen to KiwiSaver, and asking what can be done so that New Zealanders are positioned to enjoy their retirement.
More details can be found at www.cffc.org.nz.
Retirement Commissioner Diane Maxwell says: "This affects us all, it's not just a job for policy-makers. We want to know what people think - male and female, young and old. That's anybody living in NZ, whether you were born here or have settled here. Your opinion counts."
To do that, they are sending a recording tent around the country to interview members of the public which is where the "three husbands" woman revealed her unusual thinking on what she'd do if she knew she'd reach 100.
From those interviews so far, the Commission has found plenty of people who would study until their late 20s, trek around the world, then launch into their first career in their mid-30s.
Making it to 100 sounds like a fanciful idea, but there's a good chance of living for decades after you stop work. Women in their 40s now have an average life expectancy of 91, 88 for men.
The idea of 30 years of leisure and pleasure after retirement appeals to most people but fewer have thought about who is going to pay for their fun-time. The enticing vision of three decades with the time to do the things you love could be spoiled if you haven't put money aside to pay for it.
Maxwell says: "I talk to retirees who say they don't feel old and they're not planning to sit at home through their retirement. They still want to enjoy doing the things they love and try a few new things they didn't have time to do when they were working or the kids were at home.
"But you need to be able to afford it and that takes some thinking earlier on in life. As we live longer and longer we need our bodies, brains and bank balance to be able to go the distance."
The Commission is not just relying on video interviews - and want people to use the commenting tools on www.cffc.org.nz and Facebook.
"Send a letter or email us at review@cffc.org.nz. The more comments we get the better, so we can represent all of New Zealand as we draw up our recommendations," says Maxwell.
"We're also running a competition to encourage people to think about their future. Write in and explain what you would do or would have done differently if you knew you were going to live to 100 - especially if you're planning for 30+ years of not working."
The prize is a $100 Prezzy card and the opportunity to take part in a video for the cffc.org.nz website, talking about your big idea.
Some of those who visited the Commission's tent said a 100-year life span would mean they'd be ready to re-invent themselves in their 50s, re-training for a career change.
Others said they'd be in need of a break by 60, so would take off overseas for a couple of years, returning refreshed and energised for a third round of work.
Nearly all agreed they'd need to take a better look at their savings to see them through a long retirement.
There are two simple steps everyone can take to help with that:
• Picture your future: if you can't see it, it's hard to reach. Sorted, www.sorted.org.nz., can help you with the vision and the plans to get there.
• Write down your goals: what you love doing now, what you think your retirement will look like, how much you think it's going to cost you to achieve that. Think about whether you are on track to have the funds in place or whether some extra savings are needed.