You’ve worked hard, raised a family, built a life together — so why does retirement suddenly feel… tense?

In this episode of Juggling Mind and Money, Steve (Chartered Financial Planner) and Jess (Psychologist) dive into a topic that catches many couples off guard: why retiring together can be more emotionally and financially challenging than expected.

From clashing visions of “the good life” to unequal pension pots, and from lost identities to the awkward reality of spending all day, every day together — this conversation peels back the curtain on what really happens when the 9-to-5 ends, and a new kind of pressure begins.

We share surprising stats, expert insights, and a few laughs along the way — all designed to help you not just survive, but actually enjoy retirement with your partner.

🔑 In this episode:

🔹 Why “silver divorce” rates are rising — and what to do about it

🔹 The financial friction of unequal pension pots and savings

🔹 How retirement can shake up your identity (and your relationship)

🔹 When too much together-time becomes a source of stress

🔹 Practical ways to plan together — emotionally and financially

🔹 How to strike a healthy balance between shared time and solo space

Whether you’re counting down to retirement or already living it, this episode will shift how you think about your future — and maybe spark a few important conversations with the person you plan to spend it with.

🎧 Tune in. It might just save your retirement.

Retirement – it’s the golden dream, right? No alarms, no meetings, just endless freedom. But here’s the twist… for many, it’s not all Pimm’s in the garden and spontaneous holidays. In fact, 1 in 3 retirees struggle with the transition, facing everything from identity crises to financial fears.

In this episode of Juggling Mind & Money, Steve (your financial planning expert) and Jess (our resident psychologist) break down the highs, the lows, and the ‘what do I do now?’ moments that come with stepping away from the 9-to-5.

🎙️ Why do some people thrive in retirement while others flounder?

💰 Why do retirees often hoard their money instead of spending it on joy?

🧠 How does losing a job title mess with your mental well-being?

⚖️ What’s more important in retirement – financial security or a sense of purpose?

We’ll unpack the biggest psychological traps retirees fall into and, more importantly, how to avoid them. Plus, Steve reveals why the famous 4% rule is a lie – and why you should be spending more now, not waiting until you’re 80!

Whether you’re years away from retirement or already living it, this episode will change the way you think about your future.

Tune in, because retirement isn’t just about money – it’s about mindset.

🎧 Listen now!

💰 Greed, Money & The Never-Ending Chase for More 🤑

Why do we always want more? More money, more success, more stuff—yet somehow, it never feels like enough. In this episode of Juggling Mind & Money, financial expert Steve Rowe and psychologist Jessica Schlupp-Taylor dive into the psychology of greed, overspending, and the sneaky ways our desires can lead us down a dangerous path.

From keeping up with the Joneses to chasing the next big thing, we explore why our brains are wired for more—and how to break free from the cycle. Can greed ever be a good thing? Is it possible to have financial ambition without falling into the trap of never being satisfied? And most importantly, how can you take control of your money mindset before it takes control of you?

🔊 Expect hard truths, unexpected laughs, and the kind of insights that might just change the way you think about wealth forever.

👉 Hit play now and let’s get into it.

📺 Watch the video version on YouTube.

📩 Loved the episode? Leave us a review! (Preferably a nice one. But hey, we’ll take anything that bumps us up the charts.)

Lucent Financial Planning - https://www.lucentfinancialplanning.co.uk
1b The Exchange, 20a Poplar Road, Solihull, B91 3AB
Tel: 0121 705 1000

Jess Schlupp-Taylor
https://bebetter.org.uk

Ever felt like you might have ADHD, but you’re not quite sure? Or maybe you just keep procrastinating on that one important financial task?

In this episode of Juggling Mind and Money, Jess Schlupp-Taylor and Steve Rowe welcome their first-ever guest—Sarah Morgan, a coach and expert on ADHD.

Expect laughs, lightbulb moments, and a deep dive into ADHD—the strengths, the struggles, and the surprisingly sneaky ways it can mess with your finances.

From impulse spending to the never-ending to-do list of doom, we’re getting real about how ADHD brains navigate money, decision-making, and productivity.

💡 What You’ll Learn in This Episode:

• What is ADHD, really? (And why it’s not just about hyper kids bouncing off the walls.)
• Impulse buying and the dopamine hit—why just adding things to your basket might be enough.
• Procrastination loops & financial overwhelm—why we put things off (and how to break the cycle).
• The ADHD ‘body double’ trick—how having a human accountability partner can be a game-changer.
• What happens when an ADHD brain meets a financial planner—the hilarious story of Sarah’s 18-month journey to find her driving licence (and why chocolate bars with faces on them helped).
• Rejection Sensitive Dysphoria (RSD)—why some ADHDers take criticism really hard.

PLUS: The team dives into Sockology, the groundbreaking (and totally unscientific) theory about how your socks reveal your state of mind. Spoiler: Steve has the wrong birds on his socks, and Jess might be low-key teasing her colleagues. 🦔🧦

🔥 LISTEN NOW! Whether you have ADHD, suspect you might, or just want to understand why you still haven’t sorted that pension paperwork, this episode is full of insight, practical hacks, and plenty of laughs.

📺 Watch the video version on YouTube for sock reveals and a possible Morticia Addams sighting.

📩 Loved the episode? Leave us a review! (Preferably a nice one. But hey, we’ll take anything that bumps us up the charts.)

Lucent Financial Planning - https://www.lucentfinancialplanning.co.uk
1b The Exchange, 20a Poplar Road, Solihull, B91 3AB
Tel: 0121 705 1000

Jess Schlupp-Taylor
https://bebetter.org.uk

Are you aware of how negativity affects your life and the lives of those around you? In this episode of Juggling Mind and Money, Steve and Jess uncover the sneaky ways your mindset can sabotage your happiness and financial success.

From the hidden dangers of “mood hoovers” (those people who suck the optimism out of a room) to the real-life cost of a negative attitude—spoiler: one bad mindset cost someone £200,000—this conversation will make you rethink how your emotions shape your financial future.

Jess shares psychological hacks to break free from negativity, while Steve reveals how financial planning can protect you from mood-driven money mistakes.

Oh, and if you think socks can’t change your mood, wait until you see Sockology.

Tune in now.

In this episode of Juggling Mind and Money, Steve and Jess delve into the intriguing world of over-optimism and its impact on our finances.

Can being overly optimistic actually be detrimental to our financial well-being?

Join Steve and Jess as they explore:

• The potential pitfalls of excessive optimism when it comes to financial decisions.
• Real-life examples of how overconfidence can lead to financial missteps.
• The importance of seeking professional advice and taking a realistic approach to financial planning.
• Practical tips and strategies for mitigating the risks associated with over-optimism while maintaining a healthy dose of positivity.

Plus, don't miss the hilarious "Sockology" segment where Jess reveals her "happy cool socks" and Steve confesses to a laundry mishap caused by his own over-optimism.

Tune in for an insightful and entertaining discussion on the delicate balance between optimism and financial prudence!

In this episode of Juggling Mind and Money, hosts Steve and Jess dive into the intersection of autism and financial well-being. They explore the unique challenges autistic individuals may face when managing money, from navigating complex financial decisions to adapting to change.

Jess, a psychologist, provides insights into the diverse spectrum of autism and how traits like sensory sensitivities, social interaction differences, and a preference for routine can influence financial decision-making. Steve adds his perspective, shedding light on how these challenges can be addressed with understanding and practical strategies.

Key Highlights:

• The impact of common autistic traits on financial management, such as decision-making and adaptability.
• Practical insights for financial professionals on creating a more inclusive and accommodating experience.
• A celebration of autistic strengths, including logical thinking and attention to detail, as valuable assets in financial planning.
• A discussion on how the financial services industry can better support neurodiverse individuals.

This episode is a thoughtful exploration of the unique experiences of autistic individuals in the world of personal finance and a call for greater inclusivity in the financial sector.

In this episode of Juggling Mind and Money, Steve and Jess explore the unique challenges of managing finances with ADHD. From impulsivity to disorganisation, they unpack how ADHD traits can impact financial well-being and share personal stories, insights, and strategies to help navigate these hurdles.

Jess breaks down the connection between ADHD and money habits, while Steve opens up about his own experiences. Together, they discuss how to find balance, harness ADHD strengths, and build a healthier relationship with money.

Key Highlights:

• Insights into how ADHD traits like impulsivity and distractibility affect financial decisions.
• Real-life experiences shared by Steve, adding a personal touch to the discussion.
• A focus on ADHD strengths, such as creativity and hyperfocus, and how they can be leveraged.
• Thoughtful advice for parents raising children with ADHD and teaching them money skills.

This episode offers a fresh perspective on tackling financial challenges with ADHD. Don’t miss it!