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Most of us have heard that financial stress and incompatibility are responsible for a large percentage of divorces or unhappy marriages. People have a lot of stories about how it all went wrong but what is important is to know how to make it right.

Financial stress shows up in a relationship when couples spend too much, are heavily in debt, don't feel secure about their financial future or are not working together. Time and teamwork are the best ally for your finances.

Have you ever received a $320,000 payment? Chances are you have but never knew it.

At age 30 if you received a $10,000 bonus, commission check or inheritance and put it in the stock market earning the average 10% annually, your money would double five times by age 66 and total $320,000. It takes patience, discipline and confidence but the rewards of putting time on your side are worth it. Wouldn't an extra $320,000 make you feel more secure about your financial future? Some of this money could even be used in an emergency at some point to pay off debt if you made some bad decisions in other areas and became over-extended. Putting time on your side and having a growing nest egg takes a lot of stress out of a marriage. Isn't that reason enough to do it?

It is really never too late to start.

That same $10,000 received at age 45 is still an $80,000 payment by age 66 or a $40,000 payment if you start around age 52.

Just think what you could have if you invest $2,000 per year? The way to calculate this is by using the 'rule of 72'. Simply take the average annual return you project on your money and divide it into 72. The answer you get is how many years it takes your money to double. So if you project a 10% return you divide 10 into 72 and your money will double in 7.2 years (72 divided by 10 = 7.2).

Now let's talk about teamwork.

Couples often argue because they don not feel they have enough money to live the lifestyle they desire. It is essential to come to mutual agreement on realistic expectations. Nothing succeeds long-term without teamwork. Not businesses, teams or relationships. Once financial expectations are set both parties, out of respect for one another need to stay within the boundaries. When one spouse goes outside the boundaries, the other either feels they have a right to do the same or they become resentful and distrusting.

Half the marriages fail in this country. A major reason is because of financial problems. Put time on your side and work as a team and you stand a good chance of getting it right.

David Skill, a 'Chartered Retirement Planning Counselor' has created an easy retirement system that enables conscientious baby boomers to determine how much money they need to retire. David asks all the vital questions, uses common language and plenty of examples so the participant builds confidence their money will last through retirement and they will not burden their children.Check out http://babyboomerseasyretirement.com/