If money conversations in relationships feel uncomfortable, overwhelming or you avoid them altogether, this episode offers practical guidance on financial transparency and being open and honest about money.

Kate is joined by Tom Francis, Head of Personal Finance at Octopus Money, to explore why money conversations feel so difficult in relationships – and how financial transparency during separation can help you feel more confident and reduce conflict.

In this episode, we cover:

• What financial transparency looks like in relationships and during separation
• How to start understanding your own finances and build confidence
• Why money conversations feel so difficult
• Practical ways to approach financial discussions constructively
• How financial openness supports a smoother, fairer separation

This episode is for anyone navigating separation or divorce who wants to feel more informed and to make clearer financial decisions with confidence.

Meet Tom Francis

Tom is Head of Personal Finance at Octopus Money, a money advice brand for everyone. Tom spends his time designing the customer journey to deliver regulated financial advice to the many, using the best of technology and humanity. He’s a fully qualified and chartered financial planner, and before joining Octopus Money, he played a leading role in building and scaling robo-advisers in the UK, including Wealthsimple (which was later sold to Moneyfarm) and Nutmeg.

You can learn more about Octopus Money on their website, and you can also book a free consultation with a money expert here. You can hear more financial advice from Tom on Keep the Change podcast, and make sure to follow him on Instagram for more bite-sized money tips. 

More divorce resources

Need expert help right now?

Book a free 15-minute consultation with an amicable expert for guidance on the legal, financial, emotional or co-parenting aspects of separation.

Want ongoing support through your separation journey?

Kate’s book amicable divorce is out in March, including dedicated chapters with practical guidance on dealing with money during and after separation. Preorder on Amazon today.

Got a question for a future episode?

Share your thoughts at [email protected] or through direct messages on Instagram.

#Finances