Ep. 9 Why consent is also about money, bills and shared financial decisions: Angelique Wan uncut

Money conversations can feel harder than talking about sex. But what if the skills we're teaching young people about consent could also help them protect their financial future? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Moo Baulch OAM, Chair of Our Watch and a leader in violence prevention work who has spent decades on the frontlines helping people recognise coercive control before it has a name. Moo unpacks why financial abuse is so hard to spot when you're in it, how gender stereotypes about money start forming in early childhood, and why prevention means starting the conversation long before someone opens a joint account or co-signs a loan. She explains what to say when you're worried about a friend or family member, how to check in without taking over, and why the most powerful thing a bystander can do is stay connected and keep the door open. From teaching kids about money through a "what if" lens to calling your bank and saying the words that will get you help, this episode is a practical guide to building financial literacy, spotting control, and supporting someone who might not be ready to leave. Because love shouldn't cost your freedom. YOU'LL LEARN What prevention means, and why it starts with teaching kids about gender stereotypes and money from an early age Why money conversations feel scarier than talking about sex, and how to make them a regular, low-stakes habit How to use the "what if" lens: planning for when things go wrong before you're in crisis What to say when you're worried about someone: name what you've noticed, ask if they're okay, and stay connected How to check in on a mate or family member without making them feel judged or isolated What to say when you call your bank, telco or energy company if you're experiencing financial abuse Why growing a shared literacy around financial abuse gives hope, and how private sector involvement is changing the conversation The one question to ask yourself before you say yes to anything: how would I explain this to my five-year-old self? GUESTS Moo Baulch OAM: Chair, Our Watch RESOURCES Our Watch: https://www.ourwatch.org.au/ Moo Baulch LI: https://au.linkedin.com/in/moobaulch 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 s

Earning more money doesn't mean you get to make all the decisions. But for men and boys taught to believe that being a provider means being in charge, sharing financial power can feel like losing control. In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Dave Kramer, behavioural scientist and facilitator who works with men and boys on respectful relationships. Dave unpacks the pressure men face to provide, the rigid gender beliefs that shape how young people think about money, and what happens when control becomes a substitute for communication. He explains why making more money shouldn't mean making more decisions, how to call someone in rather than call them out when something doesn't feel right, and why setting realistic financial goals as a couple protects both partners. From the language we hear at work to the beliefs boys absorb online, this episode explores how financial control shows up on a continuum and what men can do to hold each other accountable before it escalates. This is the conversation for anyone who wants to build an equal financial partnership, even when the world tells you the person with the bigger pay packet should be in charge. Because love shouldn't cost your freedom. YOU'LL LEARN Why earning more money doesn't mean you get to make all the decisions in a relationship The pressure men and boys face to be providers, and how that belief can lead to control How rigid gender beliefs about money show up in schools, workplaces and relationships What calling someone in looks like compared with calling them out when something doesn't feel right How controlling behaviour can escalate along a continuum, from jokes and rigid beliefs through to financial abuse How to check in on a mate without judgment: stay curious, ask questions, and keep the door open GUESTS Dave Kramer: Behavioural scientist and facilitator RESOURCES 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. 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 share passwords, accounts and locations with the people we love. It feels normal, even necessary. But what if that access becomes a weapon? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Stephen Wilson, security expert and CEO of Protective Group, to explore how everyday technology can be weaponised in relationships and what you can do to protect yourself without living in fear. Stephen has spent years helping victim-survivors reclaim their digital lives. He unpacks how smart devices, from fridges to vacuum cleaners, can be used to stalk and control. He explains why sharing passwords and location settings might feel like trust, but can quietly erode your autonomy. And he shares the simple digital habits that protect you before, during and after a relationship changes. From baby monitors left recording for five years to loyalty cards that reveal your location, this episode is a clear-eyed guide to keeping your digital autonomy while still building a life with someone you love. Because love shouldn't cost your freedom. YOU'LL LEARN What tech-facilitated abuse actually looks like, and why it's more common than you think How everyday devices like smart fridges, vacuum cleaners and baby monitors can be used to stalk and control Why sharing passwords, accounts and locations is a decision worth making deliberately, not by default How supermarket rewards cards, Uber accounts and toll passes can quietly reveal your location and habits What to check on your phone, apps and accounts if your circumstances change The one question to ask yourself before you say yes to sharing your digital world: would I still feel comfortable if the relationship ended tomorrow? GUESTS Stephen Wilson: Security expert and CEO, Protective Group RESOURCES 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 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. 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.

Joint accounts and shared debt can feel like trust. Like partnership. Like building a life together. But what if the person you love walks away, and the debt stays with you? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with 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. Sue unpacks what "joint and several liability" actually means, and why it's not 50/50. She explains how everyday decisions about whose name goes on the electricity bill, the mortgage, or the car loan can quietly shift power and risk in ways most couples never discuss. And she shares the questions to ask before you co-sign anything, the conversations to have when your head is cool and your heart is calm, and the small steps that protect your financial independence before you need it. From guaranteeing a loan for your own child to understanding who controls the money versus whose name is on the account, this episode is a practical guide to sharing your financial life without losing yourself in the process. Because love shouldn't cost your freedom. YOU'LL LEARN What "joint and several liability" really means, and why it's not a 50/50 arrangement The difference between owning something and being financially responsible for it How to protect yourself when buying property together: joint owners versus tenants in common What becoming a guarantor really means, including for your own child's loan Why you should never sign anything until you understand your legal responsibility The questions to ask before you say yes to shared debt: what is my liability with this product, and what happens if things don't go as planned? How to have financial conversations with a cool head and a calm heart, before you're in crisis What to check if your circumstances change: superannuation beneficiaries, secondary contacts on accounts, and who controls the money GUESTS Sue Fraser OAM: Financial counsellor RESOURCES 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. 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.

Talking about money isn't romantic. But neither is discovering, too late, that joint doesn't mean 50/50. That your name on a loan makes you liable for all of it. Or that the savings account you both built can be emptied by one person, legally, overnight. In this bonus episode, host Catherine Fitzpatrick returns to her conversation with David Koch AM, finance commentator, former Sunrise co-host and one of Australia's most trusted voices on money. Kochie has spent decades helping Australians understand their finances, and in this uncut conversation, he gets personal about what it takes to build a healthy financial partnership. He 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. He shares the 15-minute monthly ritual he and his wife Libby have kept for 47 years, why cheese and crackers make money conversations easier, and how to spot the red flags before you co-sign anything. From joint accounts and secret credit cards to the difference between delegating responsibility and surrendering it, this episode is a practical, unflinching guide to sharing your financial life without losing yourself in the process. Because love shouldn't cost your freedom. YOU'LL LEARN Why talking about money is part of a healthy relationship, not a sign of distrust The 15-minute monthly ritual Kochie and his wife have kept for 47 years What "joint" really means: you're liable for all of it, not half What Kochie calls "financial infidelity", and why secret debt is a form of it The difference between delegating financial responsibility and surrendering it The red flags to watch for: secrecy, control, and "don't you trust me?" How AI can help you understand terms and conditions before you sign GUESTS David Koch AM (Kochie): Finance commentator, former Sunrise co-host and economic director, Compare the Market RESOURCES David Koch IG: https://www.instagram.com/kochie_online/ Kochie LI: https://www.linkedin.com/today/author/kochie 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. 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.