🎧 Listen if… - You've been told you "can't touch anything" until property settlement is finalised - You're scared opening your own account will start a fight - You're watching money vanish from the joint account and can't stop it - You're the lower earner, worried about being left with nothing while you wait - You're paying for everything and scared of being called financially abusive if you stop - You've got a kids' savings or education account and don't know where it fits Disclaimer: General information and education only, not legal advice. Please consult a family lawyer about your situation. 🛟 Discusses financial abuse & coercive control. Can you really not touch any money until property settlement? Mum and I unpack what you can and can't do with your bank accounts after separation: the difference between managing day-to-day finances and dividing property, what happens to accounts in your own name versus joint accounts, and how to handle it whether your ex is amicable, high conflict, or controlling. We cover opening a new account, freezing joint accounts, what to do if it's emptied, kids' accounts, child support myths, and the warning signs of financial abuse. ⏱️ CHAPTERS 00:00 – Banking Through Separation: The Questions Everyone's Afraid to Ask 02:00 – Education Only & Why Your Lawyer Comes First 03:00 – The Two Big Myths: "Freeze Everything" vs "Take Everything" 03:30 – Power Dynamics & Who Makes the Early Money Decisions 04:00 – Managing Day-to-Day Finances vs Dividing Property 05:30 – What Happens to Your Bank Accounts When You Separate 06:00 – "It's Yours": Accounts in Your Own Name 07:00 – Joint Accounts & Why You Can Take Your Share 09:30 – Amicable Divorce: Take It, Then Tell Them 11:00 – High Conflict: Don't Stay Beholden to Your Ex 12:30 – Manipulative & Controlling Exes & the Groceries Analogy 13:30 – Is Taking the Money Financial Abuse? Section 4AB Explained 14:00 – Spousal Maintenance & the Joint-Account "Time Bomb" 15:30 – Post-Separation Spending, Wastage & Gollings & Scott 17:30 – Opening Your Own Bank Account (Yes, You Can) 18:30 – Why You Should Choose a Completely Different Bank 20:30 – "Will My Ex Find Out?" Tech Abuse, Passwords & Disclosure 22:30 – Where Should Your Wages Go? 23:00 – Coming Up: A Coercive Control Q&A With Krazi Kirova 23:30 – When Your Ex Won't Move Out or Pay the Bills 24:30 – Reasonableness & How a Judge Will See It 26:00 – Giving Notice, Justifying It & Part N of the Financial Statement 27:00 – The Two People This Goes Badly For 28:30 – Talking to the Bank & Their Limits 29:00 – How to Freeze a Joint Account (Two to Sign) 31:00 – Stopping Large Withdrawals & ATM Limits 32:00 – When the Account Gets Emptied: Spousal Maintenance Options 33:00 – Urgent Spousal Maintenance Orders Explained 35:00 – Protect vs Punish: Two Money Mindsets in Divorce 36:00 – Homework: Talk to Your Bank Anonymously 37:30 – Splitting the Cash 50/50: Does It Lock In Your Settlement? 39:00 – How to Document It (A Text Message Is Enough) 40:30 – Kids' Bank Accounts: Who Controls Them? 41:30 – Splitting Kids' Accounts & Trustee Options 42:30 – Using the Kids' Money to Live On (If You Have To) 43:30 – Kids' Accounts Are Part of the Property Pool & Disclosure 44:00 – Child Support Myths: The "Every Dollar for the Kids" Trap 45:30 – The "Basket of Goods" Approach & Living to Your Means 47:30 – Warning Signs of Financial Abuse 49:30 – Real-Time Spend Alerts, Passwords & Your Safety 50:45 – Day-to-Day Finances vs Property Settlement: The Recap 51:30 – Get on the Mailing List So You're Not Blindsided 52:00 – Final Homework: Go Open That New Bank Account 53:30 – Crochet Corner & Sign Off 54:30 – Commonwealth Bank Next Chapter & Banking Support 🎧 EPISODES Technology Abuse / Tech Safety – passwords, devices & safety checklist: https://youtu.be/rc8b27R_k9k Balancing the Power Dynamic – when one party stalls while the other pushes for settlement: https://youtu.be/coWlWcIq180 1800 RESPECT 1800 737 732 | Lifeline 13 11 14 | Police 000 Web: www.thedivorcecourse.com.au/blog Q&A questions: [email protected] CommBank Next Chapter – financial abuse support. Helped you feel less stuck about your money? Follow, rate, review and share so others can find it too. All our best, Laura & Lyn Your Guides By Your Side Co-Hosts of THE DIVORCE COURSE PODCAST