Before you agree to anything

A practical toolkit to help you avoid costly financial mistakes in your settlement –
So you can feel clear and in control before making any financial decisions.

You're trying to make one of the most important financial decisions of your life – while feeling overwhelmed, exhausted, and afraid of getting it wrong.

You don't know what you don't know. And that's exactly what worries you. 


What if you miss something? 


What if you agree to something you can't undo?

Here's what nobody talks about

The financial stress of divorce isn't just about the numbers. It's about the pressure to keep things 'nice' – to avoid conflict, to not rock the boat, to hope that being reasonable will be enough.

But 'keeping things nice' is costing women.


This isn't about being combative. It's about being informed.

Assuming 50-50 is fair

Property settlements in Australia, and many other nations around the world, don't work that way. The split depends on a range of factors including non-financial contributions, future needs, and a range of factors your ex's lawyer definitely already understands but will never tell you.

Not having the full picture

If you don't know what's in the asset pool, you can't negotiate fairly. Hidden super, undervalued assets, debts you didn't know about – these things matter.

Feeling pressure to settle NOW

Because you're tired, because they're pushing, because you want it to be over. Agreements made under pressure are often not to your advantage, and are usually impossible to undo.

This is exactly why I 

created this toolkit

Not another course. 

Not a mountain of information to work through. 

A practical, focused set of tools to help you pause, gather what you need, and move forward with confidence. 




Pre-settlement financial checklist
Know exactly what documents, figures, and information you need before any negotiation begins.


Your 10-step property settlement guide Understand how property settlement actually works in Australia – without the legal jargon – so you can have informed conversations with your lawyer.


Settlement tracker spreadsheet 
Map the full financial picture of your marriage – assets, debts, superannuation and contributions – so nothing slips through.

Financial scripts for challenging tasks
Ready-to-use language for the difficult conversations – with your ex, your lawyer, your financial adviser – so you feel prepared, not panicked. 

How this toolkit helps

When you work through this toolkit, you'll be able to:

See the full financial picture of your marriage – clearly, in one place

Walk into conversations with your lawyer or ex feeling organised and prepared

Ask the right questions – so you're not left wondering later

Know exactly what to expect at every step

Make informed decisions, at your own pace, without the pressure of guessing

Clarity isn't luxury in divorce. It's what gives you the power to secure your future. 

This toolkit is for you if...
You're currently going through property settlement – or you know it's coming
You feel unsure or underprepared on the financial side
You want to understand your rights and options before agreeing to anything
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Walk in to your first lawyer meeting prepared — not overwhelmed

A personal preparation template so you're clear on your situation before you sit down

10 questions every woman should ask her family lawyer

A plain-language glossary of the legal terms you're about to hear

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    A note from Carolyn...

    I know how overwhelming this season feels. I've spoken with hundreds of women who are smart, capable, and completely caught off guard by how complicated – and how lonely – the financial side of divorce can be.


    This toolkit won't replace your lawyer or financial adviser. What it will do is help you show up to those conversations prepared. It will help you slow down when everything feels rushed. And it will remind you that you don't have to figure this out on your own. It's designed to be practical and manageable – not another thing to feel behind on. 


    You can work through it at your own pace, in whatever order makes sense for where you are right now.