Couples are avoiding discussing their financial future, according to new research that indicates one in five couples over 40 have not discussed their finances in the last five years.
The research, conducted by Prudential, also reveals that one in ten couples over 40 have never discussed it.
Couples put off talking about their retirement plans as they don't see it as having any impact on their lives in the short-term, Prudential said.
This is added to by the stress of planning for retirement, with one in four couples admitting they argue about money.
However, the research indicates that if couples do not talk to each other about their retirement, it can lead to discrepancies in the level of income each spouse expects. Men, on average, expect their combined income in retirement to be 10% higher than women expect.
Couples from the South East, London and the West Midlands are the least likely to discuss their finances, with one in five not discussing money in the last year.
But those in the South West are the most likely to talk about cash, with nine in ten discussing their finances in the last year.
Vince Smith-Hughes, retirement expert at Prudential, said: "It's easy for couples to put off conversations about finances, particularly longer-term issues like retirement planning, because it's difficult to see any short-term impact.
"Avoiding the conversation is just likely to create a bigger issue in the longer term, so having open, frequent and early conversations about retirement planning really can help couples to remain financially secure."