Welcome back to The Finance Garage! In this episode, Jonathan explores an overlooked but growing risk for retirees — the financial strain created not by markets, but by their adult children. He breaks down how unexpected support for children can jeopardise retirement plans, weaken long-term financial security, and leave parents exposed without the right protections in place. 👨‍👩‍🧓💸

Jonathan also highlights why income protection insurance is one of the most powerful tools for safeguarding a family’s financial stability. He explains how protecting your income today reduces the likelihood that adult children will eventually rely on parents for support — and how retirees can better shield themselves from becoming the financial “backup plan.”

Whether you’re planning for retirement or supporting family members, this episode will help yo ...