How to talk about money in relationships and divorce

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.

Released: 23 February 2026
Updated: 26 March 2026
32 MIN
#182
Finances

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?

Join amicable space for bonus podcast episodes, exclusive webinars, articles and an interactive community where you can share questions and get expert advice from amicable specialists. Start your free trial here.

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

Got a question for a future episode?

Share your thoughts at hello@amicable.co.uk or through direct messages on Instagram.

Latest Episodes

Episode #206: In brief: Can AI write your consent order?
The legal bit
5 August 2026
18 MIN

In brief: Can AI write your consent order?

Cutting out the solicitor and letting AI draft your consent order sounds like a money-saver. But this is the legally binding document that settles your finances for good - and getting it wrong could cost you far more than you'd save.

#206
Episode #205: Spotlight: Making summer holidays work as a single parent
Coparenting
29 July 2026
20 MIN

Spotlight: Making summer holidays work as a single parent

This week, we want to revisit a particularly helpful episode with Jo Thurston from Parent Talk to discuss why summer holidays can be so tricky for single parents and share some simple tips for making them more manageable and fun.

#205
Episode #204: In brief: The history of the family court - and why it matters
The legal bit
22 July 2026
25 MIN

In brief: The history of the family court - and why it matters

Children were once seen as their father's property. So how did we get from there to a family court system that tries – however imperfectly – to put their welfare first?

#204

Listen to The Divorce Podcast on your favourite platform