She can Finance

Divorce in Australia isn’t just emotionally expensive. It can be financially complex.

Here’s what many people don’t anticipate:

- Family lawyers often require an upfront retainer (commonly ~$10,000, depending on complexity).
- Fees are billed progressively — meaning costs accumulate quickly if matters become contested.
- If businesses, trusts, or complex asset structures are involved, a forensic accountant may be required to properly value assets.
- Ongoing disputes can significantly increase legal costs — sometimes exceeding the value of the specific asset being argued over.

You may also hear the term 'consent orders'.

These are formal agreements submitted to the court. If approved, they become legally binding. Without consent orders (or a binding financial agreement), informal settlements can potentially be challenged later.

Keeping communication factual and in writing protects you long term.

This isn’t legal advice.
It’s financial awareness.

Because sometimes the most expensive part of divorce isn’t the asset division.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

The most expensive lessons don’t show up as losses. They show up as time, delay, and mental load.

I didn’t fail financially — but I certainly wish I learnt these rules a lot earlier. Because slow learning has a cost.

If you’re earlier on this journey, take the shortcut.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I realised how big the topic is when a friend of mine separated and how much I didn’t know. When a third of marriages end in a divorce. We owe it to ourselves to get informed.

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 “I worked for everything.”

In Australian family law, asset division doesn’t just look at income. It looks at contributions over the entire relationship.

That includes:

- Direct financial income
- Property brought into the relationship
- Raising children
- Managing the household
- Supporting a partner’s career
- Sacrificing earning capacity

Non-financial contributions are legally recognised.

But here’s the practical reality:

If one partner scales back paid work for 5–15 years, there are long-term effects:

- Lower super accumulation
- Slower wage progression
- Reduced professional network
- Reduced financial confidence

By the average divorce age (mid-40s for women in Australia), rebuilding income and retirement savings can feel overwhelming.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Did you know the average age of divorce is 44 for a woman in Australia?

At 44, most women are in their peak earning years, raising children, paying down a mortgage and within 15–20 years until retirement

And yet, it’s not uncommon for many not to have full visibility over
– Super balances
– Debt structures
– Investment accounts
– Asset ownership

In Australia, both parties must legally provide full financial disclosure during separation. But disclosure is stressful when you’re seeing the numbers properly for the first time.

This isn’t about assuming your marriage will fail. It’s about not outsourcing your financial awareness.

Working inside the home is work.
Working outside the home is work.
But both people should understand the money.

Especially at 44.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I've been hearing a lot about yield lately.

So what about NDIS properties?

NDIS properties are often marketed as high-yield, government-backed and stable. All of that can be true but it’s not the full picture.

NDIS investing isn’t just buying a property.

You’re effectively stepping into a regulated housing business.

That means:
• strict design and compliance standards
• higher upfront capital
• location-specific demand (oversupply matters)
• specialist property management
• income that follows the participant, not the property

Yes, yields can be materially higher than standard residential.

Yes, the social impact is real and meaningful.

But this only works when:
→ the location is right
→ the design matches actual demand
→ cash flow is modelled conservatively
→ and you’re comfortable with complexity

NDIS property isn’t good or bad.

Not financial advice. Just context people deserve before getting excited by the numbers.



Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Not every higher price equals a bad decision.

But paying more without a clear reason usually is.
From my experience, the difference comes down to strategy vs emotion — not the market, not the agent, not the headline.

This isn’t advice. It’s a reminder to slow down and think clearly when emotions run high.


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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I cringe a little when I hear ‘I am doing xyz for negative gearing’.

Negative gearing can be part of property investing.

But it should never be the reason you buy.

The goal is not to lose money so you can pay slightly less tax.

The goal is to buy quality assets, manage cash flow, and build long-term wealth.

AI isn’t just a tech story.

Massive spending.
Uncertain revenue timing.
Concentrated market exposure.

Things worth thinking about:

Are my investments overly exposed to large-cap US tech?

Do I actually understand what’s inside my ETF or managed fund?

If AI boosts productivity, which sectors benefit?

If AI reduces jobs in certain industries, what does that mean for housing demand and consumption?

Major shifts create opportunity.

Not financial advice. Just something to think about.


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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.