Draw the map at the state line first and the Watterson second
A mileage radius around your office is the wrong shape for a market split by a river and a state line.
Radius targeting drawn around a pin in Jefferson County spills into Clark and Floyd County without asking. If you are not set up to work in Indiana, that is money leaving the account every day for inquiries you will decline.
Build two geographic groups from the start: the Kentucky side and the Indiana side, each with its own budget, its own ads and its own landing page. You can then turn one off in a minute, and the reporting tells you what each side actually costs.
Inside Kentucky, think in drive time. Work inside the Watterson is a different day than work out past the Gene Snyder, and Oldham or Bullitt County is different again. Set bid adjustments by area based on where jobs have been profitable, not on where you wish they were.
Use presence-based targeting rather than the setting that also includes people merely showing interest in the area. Otherwise you buy clicks from people researching a remodel in a city they are moving away from.