Don't let one signature cost you your financial future

Know exactly what to check before you agree to your divorce settlement – so you walk away with what's fair, not just what ends it fastest.


Divorce is overwhelming enough without lying awake wondering whether you've missed something that could cost you thousands.


Created by Carolyn Tate – finance journalist, founder of Women's Divorce Academy and host of the Divorce With Carolyn podcast. As former editor of Compare Money, she's spent her career making complicated financial decisions clear – and has since guided hundreds of women through the financial side of divorce.

"I bought the toolkit at 11pm after another night of Googling property settlement and ending up more confused than when I started. Within an hour I felt clearer about what information I needed and what I needed to stop agreeing to until I had proper advice."

Angela
Regional Victoria

Most women don't lose money 

because they had a bad lawyer

They lose money because they didn't know what questions to ask. Because they didn't realise an employer share scheme counted as an asset. Because they forgot superannuation, overlooked an investment, and agreed to a settlement before they understood the full financial picture. 


And once an agreement is signed, changing it can be incredibly difficult.  

You don't need a law degree to protect yourself here. You need a clear picture of what actually exists – before anyone asks you to sign.

Everything you need to prepare, for $49

  • Know what to gather before negotiations begin 
  • Avoid the common financial mistakes that cost women most 
  • Feel prepared before you meet your lawyer 
  • Make decisions based on facts, not fear

Divorce can move fast once it starts

One minute you're trying to process the end of your relationship. The next you're being asked to gather documents, negotiate property, respond to lawyers, and make decisions that could shape your finances for decades.


Everyone seems to expect you to know what you're doing. But no one ever teaches you how.

Lawyers push for agreement, your ex-partner wants it over, and there's real pressure to accept a number and move on. The problem is, a fair-sounding split isn't always a fair split. Superannuation gets overlooked. Shares held through an employer get missed. Smaller assets slip through because nobody added them up in one place.

Your lawyer can only work with what you bring them

If you don't know what assets exist

If you don't know what questions to ask

If you don't know what's missing


No one can protect what hasn't been identified. That's where women lose money – not because they weren't intelligent, not because they weren't capable, but because they didn't know what they didn't know.

Imagine walking in prepared 

instead of panicked

By the time you sit down with your lawyer, you already know:

Every account you need to locate

Every document you should bring

Every financial area that needs to be discussed

Every question worth asking


What happens next in the settlement process



Instead of lying awake wondering whether you've forgotten something important, you'll have one place that brings everything together. That's exactly what this toolkit is designed to do.

What's inside the toolkit

This isn't another course you'll never finish. It's a practical set of tools to help you protect yourself before the important financial decisions are made. 


This is the difference between hoping the split is fair and knowing what's actually on the table.


Pre-settlement financial checklist
Know exactly what needs to be included before negotiations begin. You'll work through every category of asset, debt and entitlement, so nothing important gets left off the table by accident. Because you can't negotiate what you don't know exists.


Your 10-step property settlement guide 
Divorce feels confusing because nobody tells you what happens next. This guide walks you through the settlement process step by step, so you know where you are, what's coming, and what to prepare for. No legal jargon. No overwhelm. Just clear guidance in plain English.


Settlement tracker spreadsheet 
Piecing your finances together from memory is exhausting. Instead, you'll have one place to record every part of the picture – property, superannuation, investments, shares, business interests, bank accounts, loans, credit cards, vehicles and personal assets – so you can finally see the whole thing at a glance.

Financial scripts for challenging conversations
Some conversations feel impossible. Asking for financial documents. Questioning a missing asset. Pushing back when something doesn't feel right. These scripts give you plain-language wording you can adapt, so you feel prepared instead of panicked.

"The spreadsheet was worth the purchase price on its own. Until I started filling it in, I hadn't realised how much superannuation we'd accumulated or how many smaller assets we'd overlooked. Seeing everything together on one page made the whole process feel less overwhelming and much more manageable."

Leanne - separated after 22 years
Newcastle, NSW

What this toolkit will help you to do


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

Avoid overlooking assets that matter

Reduce unnecessary legal costs by arriving prepared

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

Clarity isn't a luxury in divorce. It's one of your greatest forms of protection. 

"The toolkit didn't replace my lawyer; it helped me get more value from her. I arrived prepared, understood the terminology, and knew what information she needed from me. Our meetings became much more efficient."

Mei
Hobart

Get the complete toolkit today

The checklist, the 10-step guide, the tracker spreadsheet and the scripts – together in

one place. 


 That's far less than the cost of a single billable phone call with your lawyer.
This toolkit is for you if...

You're heading into a property settlement and feel overwhelmed by the financial side of divorce

You want to walk into lawyer meetings prepared, and you're worried you've overlooked assets or entitlements

You'd rather spend $49 now than risk a costly mistake later


This isn't a replacement for legal advice. It's designed to help you prepare for it – so the advice you get is more useful and more efficient.
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Walk in ready: your first lawyer meeting toolkit – add for $37

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A personal preparation template so you're clear on your situation before you see a lawyer

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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  • 1xKnow Before You Sign: A practical toolkit to help you avoid costly financial mistakes in your settlementA$49
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    Why this matters

    One forgotten superannuation account. One employer share scheme. One investment. One business interest. One debt that wasn't properly considered. That's all it takes to change your financial future for good. 


    This toolkit exists to help you slow down, ask better questions, and make decisions with confidence – before you sign anything.

    "I actually thought I was organised until I worked through the checklist. There were documents I hadn't even considered, including updated super balances and records relating to shares held through my husband's employer. Having everything in one place made my first lawyer appointment far more productive and probably saved me billable hours."

    Priya, married 18 years
    Brisbane

    "The biggest shift for me wasn't financial; it was psychological. I stopped feeling like everyone else knew the rules except me."

    Elise, married 12 years
    Sydney

    "Before this toolkit, every financial conversation sent me into a panic spiral. I kept thinking there must be things I was missing. Working through it gave me enough understanding to stop catastrophising and start making decisions from a calmer place."

    Shar
    Gold Coast

    "Aut dicta commodi nostrum quidem delectus molestiae ad et ex odit."

    Samantha
    CEO / Founder

    A note from Carolyn...

    I've been through this myself. I found the financial side of separation so overwhelming that I avoided it – and that cost me. By the time I filed for divorce, I was missing records I needed and couldn't account for money spent from joint accounts. I didn't even realise I had a right to financial support while we were separated – so instead, I worked day and night trying to make it on my own.


    So 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.

    Frequently asked questions

    • Is this legal or financial advice?
      No – this toolkit is general information only, not personalised legal or financial advice. It's designed to help you understand what's involved and prepare for conversations with your lawyer or financial adviser, so those conversations are more informed and more efficient.
    • I'm not in Australia – will this still help me?
      Yes. While the toolkit is built primarily around the Australian property settlement process, it also addresses what applies if you're separating in the UK or the USA – so wherever you're based, you'll come away with a clear picture of what to expect and what to ask.
    • What if I've already agreed to something, or settlement is already underway?
      That's okay – you can still use this toolkit. It will help you understand what's been agreed so far, what might still be open for discussion, and what to ask before anything is finalised. And until you have an agreement in writing, you are still able to negotiate.
    • How long will it take me to work through it?
      There's no set timeframe. Some women work through it in an afternoon, others take it in stages over a few weeks. It's designed to fit around where you are right now, not the other way around.
    • Do I still need a lawyer if I have this toolkit?
      This toolkit isn't a replacement for legal advice – it's preparation for it. Many women who have used this toolkit find it means their time with a lawyer is more effective, because they walk in already knowing what to ask. If you choose to not engage a lawyer, this toolkit will be especially useful for you, but my strong recommendation is that you speak to a lawyer at least once, so you understand your position.
    • What exactly do I receive after I purchase?
      You'll get instant digital access to the pre-settlement financial checklist, the 10-step property settlement guide, the settlement tracker spreadsheet, and the financial scripts – delivered straight to your inbox so you can start whenever you're ready.
    • I don't even know where to start – is this still for me?
      Ohhhhh yes! This toolkit was built for exactly that feeling. It walks you through what information you need and what to ask, so you don't have to already know the answers before you begin.
    • Is my information kept private?
      Your personal details are only used to deliver your purchase and any related follow-up content – they're not shared with anyone else, and they never will be.
    • What charge will I see on my bank statement?
      Any charges from Women's Divorce Academy come through via our parent company Stellar Content Group Pty Ltd, so that is the business name that will appear on your statement.

    "For $49, I expected a few PDFs and a checklist. What I got was confidence. It felt like having someone sit beside me and say, 'Slow down. Here's what matters. Here's what to ask next.'"

    Karen, mum of 2
    Brisbane

    Know what you're walking into – before you sign anything