Explore every episode of the podcast Before you say yes

Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia). This episode is different. It's a conversation about what most of us don't see coming: how financial abuse happens, what it looks like, and what to do if you recognise yourself or someone you love in that pattern. In this bonus episode, host Catherine Fitzpatrick returns to a conversation that started 30 years ago with Anne O'Neill, a survivor of unthinkable violence who taught her the most important lesson: it wasn't what she did. Catherine is joined by Anne O'Neill, domestic abuse survivor and advocate; Moo Baulch OAM, Chair of Our Watch; Rebecca Glenn, CEO of the Centre for Women's Economic Safety; Sue Fraser OAM, financial counsellor; Angelique Wan, Co-founder and CEO of Consent Labs; and Dave Kramer, behavioural scientist and facilitator who works with men and boys on respectful relationships. Together, they unpack what financial abuse actually is, how it shows up in everyday decisions, and what to say to a bank, a service provider, or a friend when you're not ready to tell your whole story. They also explore what it means to walk alongside someone who's not ready to leave, and what men can do when they recognise control in their own behaviour. This is the episode for anyone who's ever wondered how to help without taking over, how to ask without isolating someone, and how to stay connected when the door needs to stay open. YOU'LL LEARN What financial abuse is and how it shows up in relationships Why fear is the defining feature of abuse, not the amount of money involved How to ask for help from a bank, phone company or service provider without disclosing your whole story The first practical steps to take if you're thinking about leaving: a safe email address, a separate bank account, and a way to communicate privately Why working backwards from how you want it to end can help you figure out the first step The difference between pressure and choice, and why controlling behaviour is always a choice How to check in on someone you're worried about without making them feel ashamed or isolated Why the most powerful thing a bystander can do is walk alongside, not take over What to do when someone's not ready to leave: keep the door open GUESTS Dr Ann O'Neill OAM: Trauma specialist, survivor and advocate Moo Baulch OAM: Chair, Our Watch Rebecca Glenn: Founder and CEO, Centre for Women's Economic Safety (CWES) Sue Fraser OAM: Financial counsellor Angelique Wan: Co-founder and CEO, Consent Labs Dave Kramer: Behavioural scientist and facilitator RESOURCES Our Watch: https://www.ourwatch.org.au/ Centre for Women's Economic Safety: https://cwes.org.au/ Financial Safety website: https://financialsafety.org.au/ Consent Labs: https://www.consentlabs.org.au/ Dave Kramer website: https://www.davekramer.com.au/ Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine's website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000. The Men's Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women's Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031. For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. THIS ISN'T FINANCIAL ADVICE The information provided on Before you say yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Money conversations can be awkward. But avoiding them can leave us exposed when life changes - a job loss, illness, separation or simply a relationship that isn’t working the way we thought it would. In this episode host Catherine Fitzpatrick is joined by Moo Baulch OAM, Chair of Our Watch, and Dave Kramer, behavioural scientist and facilitator who works with men and boys in schools, workplaces and communities on respectful relationships. Catherine talks to Moo and Dave about the conversations couples should be having before there’s a crisis, and what friends, family and especially men can do when something doesn’t feel right. From shared accounts and realistic savings goals to the pressure some men feel to be “the provider”, this episode asks a bigger question: what does an equal financial partnership really look like? And when you hear a comment or see behaviour that makes you uncomfortable, should you call it out, or call someone in? YOU’LL LEARN The importance of planning for “what if” in relationships Why a regular money date beats revisiting finances only in a crisis Why making more money doesn't mean making more decisions in a relationship What "calling in" looks like compared with "calling out" when something doesn't sit right How controlling behaviour can escalate along a continuum, from jokes and rigid gender beliefs through to coercive control A simple way to check in on someone: naming what you've noticed and asking if they're okay Why staying curious, not judgmental, keeps the door open for someone to talk GUESTS Moo Baulch OAM: Chair, Our Watch Dave Kramer: Behavioural scientist and facilitator RESOURCES Our Watch: https://www.ourwatch.org.au/  Moo Baulch LI: https://au.linkedin.com/in/moobaulch  Dave Kramer website: https://www.davekramer.com.au/  Dave Kramer LI: https://www.linkedin.com/in/davekramer/  Dave Kramer IG: https://www.instagram.com/_davekramer/  Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/  Catherine's website: https://catherinefitzpatrick.com/  Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/  Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000. The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031. For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before you say yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Do you have car insurance? House and contents? A CTP? Insurance sounds boring, but it's one of the biggest decisions you'll make when you're signing on the dotted line with someone else. In this episode host Catherine Fitzpatrick is joined by Andrew Hall, CEO of the Insurance Council of Australia. Andrew explains what an insurance policy is, how it works and why owning things jointly adds a layer of complexity most couples never discuss. He also unpacks how insurers are building flexibility into the “malicious damage” exclusion for people affected by domestic and family violence, and shares the exact words to use with your insurer if your relationship or circumstances change. This is the conversation for the moment before you sign, or renew, a policy with someone else. YOU’LL LEARN What an insurance policy actually is: shifting risk off your ledger and paying someone else to carry it Why joint ownership means joint liability – and why it pays to check who's actually covered to drive, claim or use a shared asset Why product disclosure statements are long, and the most important questions to ask Why there's often a mismatch between what people think they're covered for and what they're actually covered for How the “malicious damage” exclusion works when a partner or ex-partner deliberately damages shared property What to say to your insurer if your circumstances change, including how to set a safer contact method GUESTS Andrew Hall: CEO, Insurance Council of Australia RESOURCES Insurance Council of Australia: https://insurancecouncil.com.au/ Andrew Hall LI: https://www.linkedin.com/in/andrew-hall-09919710/ Insurance Council of Australia LI: https://au.linkedin.com/company/insurance-council-of-australia Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine’s website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000. The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031. For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Most of us take on debt at some point – a credit card, a car loan, a mortgage. Alone, it's straightforward: you owe it, you pay it back. Shared debt works differently, and almost nobody explains how before you sign. In this episode host Catherine Fitzpatrick is joined by finance commentator David Koch, along with returning guests Simone Weston, executive leader and domestic and financial abuse survivor, and Sue Fraser OAM, financial counsellor of 30 years. Kochie explains why he calls hidden debt “financial infidelity”, the golden rule of never signing anything you don't understand, and why becoming a guarantor for someone – even your own child – can cost you your house. Simone revisits the moment she lost “structural power” over her own finances: the difference between using an account every day and actually being the named authority on it. And Sue discusses the importance of understanding how contracts are structured when you take on shared debt. This is the conversation for the moment before you co-sign anything – a loan, a lease, or a favour for family. Because love shouldn't cost your freedom. YOU’LL LEARN Why “joint” debt means you're liable for all of it, not half – and why a joint savings account works the same way in reverse What David Koch calls “financial infidelity”, and why secret debt is a form of it The difference between the asset (who owns what) and the debt (who's liable)  What “structural power” means, and why being the named account holder matters Why you should never sign anything until you understand it What becoming a guarantor really means, including for your own child's mortgage How to make money conversations a regular, low-stakes habit instead of a crisis conversation What to check the next time a joint statement lands in your inbox GUESTS David Koch (Kochie): finance commentator, former Sunrise co-host and economic director, Compare the Market Simone Weston: executive leader, keynote speaker and women's advocate; domestic and financial abuse survivor Sue Fraser OAM: financial counsellor RESOURCES David Koch IG: https://www.instagram.com/kochie_online/ Kochie LI : https://www.linkedin.com/today/author/kochie Simone Weston: https://simoneweston.com.au/ Simone LI: https://www.linkedin.com/in/simone-weston-38a616b/ Simone FB: https://www.facebook.com/SimoneWestonCo/ Sue Fraser LI: https://www.linkedin.com/in/susanjfraser/ Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine’s website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000.  The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031.  For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

**Content warning** This episode discusses domestic violence and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) What if “joint” doesn't mean what you think it means? In this fourth episode of Before You Say Yes, Catherine Fitzpatrick is joined by Rebecca Glenn, founder and CEO of the Centre for Women's Economic Safety, and Simon Birmingham, CEO of the Australian Banking Association and custodian of the Banking Code of Practice. Rebecca unpacks why joint financial products get so “sticky” when relationships change – from car registration to a credit cards – and the one question that protects you: what is my liability with this product? Simon takes us inside the Banking Code, explaining exactly what a bank can and can't do when a joint account needs to be untangled and what you can expect from your own bank if your circumstances change. YOU’LL LEARN The importance of asking “what if” in any new relationship Why joint financial products become “sticky” when relationships change How to align who's named on an account with who actually uses it Why your phone functions like a bank, and how a loan can be taken out in your name while you sleep What the Banking Code of Practice actually requires banks to do when a joint account needs to change Why keeping a separate account in your own name protects your financial identity, no matter how solid the relationship What to ask for if you need to talk to your bank about a joint account gone wrong GUESTS Rebecca Glenn: Founder and CEO,  Centre for Women’s Economic Safety (CWES) Simon Birmingham: CEO, Australian Banking Association RESOURCES Centre for Women's Economic Safety website: https://cwes.org.au/ Rebecca Glenn LI: https://au.linkedin.com/in/glennrebecca CWES LI: https://au.linkedin.com/company/cwes Australian Banking Association website: https://www.ausbanking.org.au/ Banking Code of Practice: https://www.ausbanking.org.au/banking-code/ Simon Birmingham LI https://au.linkedin.com/in/simon-birmingham Before you say yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine’s website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000.  The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031.  For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

**Content warning**This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) In this second episode of Before You Say Yes, Catherine Fitzpatrick is joined by Simone Weston, executive leader, keynote speaker and women's advocate who survived domestic and financial abuse, and Sue Fraser OAM, a financial counsellor with more than 30 years' experience sitting across from people when the emotional realities of relationships collide with the fine print. Catherine and Simone dig into the “boring admin” of relationships – whose name is on the phone plan, internet, electricity bill – and why it matters. Sue explains what you're actually agreeing to when you sign a lease, buy a car together or open a joint account. This is a practical, unflinching conversation about the small decisions that build, or dismantle, your financial independence, long before anyone decides to leave. YOU’LL LEARN Why the “boring admin” of moving in together is important The real meaning of joint and several liability, and why “joint” doesn't mean 50/50 The difference between buying property as joint owners versus tenants in common What questions to ask before you co-sign a lease, loan or car How to plan for a relationship breakdown before you're in crisis – the “cool head, calm heart” approach Why understanding your own money story is the first step before any conversation about finances with a partner One small thing you can do this week to build more financial clarity and control GUESTS Simone Weston: executive leader, keynote speaker and women's advocate; domestic and financial abuse survivor Sue Fraser OAM: financial counsellor with more than 30 years' experience, Uniting RESOURCES Simone Weston: https://simoneweston.com.au/ Simone LI: https://www.linkedin.com/in/simone-weston-38a616b/ Simone FB: https://www.facebook.com/SimoneWestonCo/ Sue Fraser LI: https://www.linkedin.com/in/susanjfraser/ Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine’s website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000.  The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031.  For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

What if the most important consent conversation you'll ever have isn't about sex - it's about money? We spend years teaching people about financial literacy and relationship advice, but almost no one teaches us how to give informed financial consent. In this first episode of Before You Say Yes, Catherine Fitzpatrick is joined by Angelique Wan, Co-founder and CEO of Consent Labs, and Tracy Hall, author, keynote speaker and survivor of Australia's most notorious intimate fraud case. Catherine explores why the same skills that help us navigate healthy relationships can also protect our financial future. From setting boundaries and asking better questions to understanding manipulation, trust and coercive control, this episode will change the way you think about sharing your money, accounts and digital life with someone you love. Because love shouldn't cost your freedom. YOU’LL LEARN Why financial consent should be part of every healthy relationship How the principles of affirmative consent apply to money, bank accounts and shared bills The simple conversations every couple should have before moving in together Why love can temporarily switch off your critical thinking and how to protect yourself without becoming cynical The subtle psychological tactics used by scammers, fraudsters and coercive partners The red flags that are often mistaken for love Practical ways to verify someone's identity, finances and digital footprint Why financial literacy, digital literacy and trust literacy are three essential life skills everyone should develop GUESTS Angelique Wan: Co-founder & CEO, Consent Labs Tracy Hall: author, keynote speaker and trust literacy advocate RESOURCES Consent Labs website: https://www.consentlabs.org.au/ Consent Labs IG: https://www.instagram.com/consentlabs/ Consent Labs LI: https://www.linkedin.com/company/consent-labs/ Angelique IG: https://www.instagram.com/angelique.wan/ Angelique LI: https://www.linkedin.com/in/angelique-wan-0aa024b4/ Tracy Hall website: https://tracyhall.com.au/ Tracy IG: https://www.instagram.com/tracyleehall/ Tracy LI: https://www.linkedin.com/in/tracyhall1975/ Reverse image search: Google Images (https://images.google.com/) Before You Say Yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine Fitzpatrick website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/  Respect and Protect: respectandprotect.au HELP & SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000.  The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031.  For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

**Content warning** This episode discusses domestic violence and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) In this third episode of Before You Say Yes, Catherine Fitzpatrick is joined by Karen Bentley, CEO of WESNET, Australia's national peak body for domestic and family violence services, and Stephen Wilson, security expert and CEO of Protective Group, who has spent his career helping victim-survivors reclaim their digital lives. This is a clear-eyed guide to keeping your digital autonomy while still building a life, and a home, with someone you love. YOU’LL LEARN Why sharing passwords, accounts and locations is a decision worth making deliberately, not by default The simple digital habits that protect you What “tech-facilitated abuse” actually looks like How everyday shared accounts (Uber, supermarket rewards, streaming) can quietly reveal your location and habits Why digital access isn't a measure of trust or love What to check on your own accounts and devices if a relationship changes How to enjoy technology and stay connected without living in fear or suspicion GUESTS Karen Bentley: CEO, WESNET (Women's Services Network), Australia's national peak body for domestic and family violence services Stephen Wilson: security expert and CEO, Protective Group RESOURCES Karen Bently LI: https://www.linkedin.com/in/karen-bentley-wesnet/  WESNET website: https://wesnet.org.au/ WESNET IG: https://www.instagram.com/wesnetaustralia/ WESNET LI: https://www.linkedin.com/company/wesnet_au/ Protective Group website: https://www.protectivegroup.com.au/ Protective Group IG: https://www.instagram.com/protectivegroup_au/ Stephen Wilson LI: https://au.linkedin.com/in/swilson-aust Apple Personal Safety & Safety Check guide: https://support.apple.com/guide/personal-safety/welcome/web Tech Safety resources (WESNET): https://techsafety.org.au/ Before you say yes IG: https://www.instagram.com/beforeyousayyes.pod/ Catherine’s website: https://catherinefitzpatrick.com/ Catherine IG: https://www.instagram.com/catherinefitzpatrick.official/ Catherine LI: https://www.linkedin.com/in/catherine-fitzpatrick-designedtodisrupt/ FIND SUPPORT (Australia) If you or someone you know is experiencing family violence, contact 1800 RESPECT (https://1800respect.org.au/) (call 1800 737 732). If you are in immediate danger, dial 000.  The Men’s Referral Service (https://mrs.org.au/) provides counselling, advice and support for men. Please call 1300 766 491. 13YARN (http://13yarn.org.au) offers confidential, culturally safe crisis support for Aboriginal and Torres Strait Islander peoples. Contact 13 92 76. The National Debt Helpline (https://ndh.org.au/) provides free advice on how to manage your debts. Call 1800 007 007 for support. The Centre for Women’s Economic Safety (https://cwes.org.au/) offers free Money Clinics™ for women, non-binary and gender diverse people experiencing financial and economic abuse, or who are concerned about their finances in the context of domestic and family violence. To book an appointment call 1800 730 031.  For crisis support or suicide prevention services contact Lifeline (https://www.lifeline.org.au/) on 13 11 14 or text 0477 13 11 14 at any time. Kids Helpline (https://kidshelpline.com.au/) is Australia's free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25. Call 1800 55 1800. Listening from outside Australia? If you or someone you know needs help and you’re not based in Australia, please reach out to local emergency services or visit https://findahelpline.com to find trusted crisis support, financial advice, or domestic violence services in your area. THIS ISN’T FINANCIAL ADVICE The information provided on Before You Say Yes™ the podcast is for general educational purposes only. It does not constitute financial, investment, or legal advice. Always consider your personal circumstances and seek independent professional advice before making any financial decisions.

We talk about sexual consent - what it is, how to ask for it, how to give it, how to change your mind. But we don’t have the same conversation about our finances. Most of us just fall into sharing money and bills . We say yes because it's easier, because someone has to, because it seemed fine at the time – until life throws a curve ball and things aren’t set up the way we thought. Before you say yes™ is the practical guide to sharing money safely with someone you love. Each episode gives you the practical tools to know what to look for, what to ask, and what to say – to each other, and to the companies you rely on every day. Because the way you set things up matters more than you think. Hosted by Catherine Fitzpatrick – former bank executive, financial abuse expert, and the person you wished had explained all of this years ago.