Breaking up, is the truth or a white lie better?

Ugh. So I feel like every time I've broken up with someone in the past it's felt fairly mutual and apparent it wasn't working so honesty has been fairly easy. I've been seeing someone for a few months, he's great in some aspects but the sex is crappy, he's somewhat of a complainer and he's financially irresponsible. I'm not wanting to sign up for that so my question is, do I tell him a portion of the true reasons which seems asshole like or do I tell him I'm getting back with my ex, becoming a lesbian or moving to Dubai or something? I think for me I'd want to be liked too but my girlfriends say that's not fair and he won't work on himself if I do that. Any advice out there? I truly think he's a nice guy and don't want to hurt his feelings, he is just not my guy. I'm 45, seems like should have my shit together...
nope.
Breaking up, is the truth or a white lie better?
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