Growing older is expensive - much more expensive than most people realise.

When you or a loved one either decides to move into aged care or is forced to do so, the Ministry of Social Development will quickly swoop in to flip through all their finances.

Any assets, gifted funds, trusts, even living rent free - it's all looked at and impacts their chances of government-subsidised care.

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Relationships cost money.

It's not just about date nights at expensive restaurants, fancy shoes, or a new watch for Valentine's Day.

It's moving in together, splitting the power bill, signing on to the rent. At what point in the relationship should you join your finances, and how should you go about it?

Then there's the other side of the relationship - the part no one tends to plan for. The end of it.

Are prenups just for the ultra-wealthy, or should we all have gotten one?

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As you get older, your health becomes more and more of a worry, so life insurance seems like a no-brainer. But is it? Do you really need it after the mortgage is paid and the kids are on their own?

And what policies are must-haves, against ones that are just nice to have?

Financial Author Martin Hawes joins Tim Beveridge to give his insurance advice and explain the pros and cons of different policies.

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