Many couples don't have much time alone together during the week. Because of that, the few hours that they do have after work often get eaten up by practical discussions -- talking about work, the kids' upcoming birthday parties, and your budget for the next week. It's not exactly sexy.
To improve your love life, make a conscious decision to steer clear of stressful topics before and in bed. Yes, those things still need to be discussed, but try -- for instance -- getting them out of the way during a lunch break or by talking in the morning.