Podcast · Learning

Before you say yes

by Catherine Fitzpatrick · English · Learning

We talk about sexual consent - what it is, how to ask for it, how to give it, how to change your mind. But we don’t have the same conversation about our finances. Most of us just fall into sharing money and bills . We say yes because it's easier, because someone has to, because it seemed fine at

New episodes: Weekly
Typical length: 25 min
Latest: 14 Oct 2026
Language: English

Latest episode

14 Oct 2026 · 32 minNew

Ep. 12 Before you say yes to tech access, ask this one question: Stephen Wilson uncut

We share passwords, accounts and locations with the people we love. It feels normal, even necessary. But what if that access becomes a weapon? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Stephen Wilson, security expert and CEO of Protective Group, to explore how everyday technology can be weaponised in relationships and what you can do to protect yourself without living in fear. Stephen has spent years helping victim-survivors reclaim their digital lives. He unpacks how smart devices, from fridges to vacuum cleaners, can be used to stalk and control. He…

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Earlier episodes 12 most recent

S1 · E11 · 12 Oct 2026 · 43 minNew
Ep. 11 Why joint accounts and share debt can cost you everything: Sue Fraser OAM uncut
Joint accounts and shared debt can feel like trust. Like partnership. Like building a life together. But what if the person you love walks away, and the debt stays with you? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Sue Fraser OAM, a financial counsellor with more than 30 years' experience sitting across from people when the emotional realities of relationships collide with the fine print. Sue unpacks what "joint and several liability" actually means, and why it's not 50/50. She explains how everyday decisions about whose name goes on the electricity…
S1 · E10 · 7 Oct 2026 · 26 min
Ep 10 Before you say yes, talk about money: David Koch AM uncut
Talking about money isn't romantic. But neither is discovering, too late, that joint doesn't mean 50/50. That your name on a loan makes you liable for all of it. Or that the savings account you both built can be emptied by one person, legally, overnight. In this bonus episode, host Catherine Fitzpatrick returns to her conversation with David Koch AM, finance commentator, former Sunrise co-host and one of Australia's most trusted voices on money. Kochie has spent decades helping Australians understand their finances, and in this uncut conversation, he gets personal about what it takes to…
S1 · E9 · 5 Oct 2026 · 38 min
Ep. 9 Why consent is also about money, bills and shared financial decisions: Angelique Wan uncut
Young people are being taught about consent when it comes to sex. What if the same skills that help us navigate awkward conversations in the bedroom could also protect our financial future? In this bonus episode, host Catherine Fitzpatrick returns to her conversation with Angelique Wan, Co-founder and CEO of Consent Labs, to explore how the principles of affirmative consent apply to shared financial decisions. Together, they unpack why financial literacy programs haven't worked in Australia, and how consent frameworks might offer a missing piece: the language and confidence to have those…
S1 · E8 · 16 Sep 2026 · 17 min
EP 8. BONUS: This episode is different. Let's talk about financial abuse.
Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia). This episode is different. It's a conversation about what most of us don't see coming: how financial abuse happens, what it looks like, and what to do if you recognise yourself or someone you love in that pattern. In this bonus episode, host Catherine Fitzpatrick returns to a conversation that started 30 years…
S1 · E7 · 2 Sep 2026 · 25 min
Ep 7. More money doesn't mean more decisions: Before you say yes to minding your own business
Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Money conversations can be awkward. But avoiding them can leave us exposed when life changes - a job loss, illness, separation or simply a relationship that isn’t working the way we thought it would. In this episode host Catherine Fitzpatrick is joined by Moo Baulch OAM, Chair of Our Watch, and Dave Kramer,…
S1 · E6 · 26 Aug 2026 · 19 min
Ep 6. When love becomes a liability: Before you say yes to an insurance policy
Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Do you have car insurance? House and contents? A CTP? Insurance sounds boring, but it's one of the biggest decisions you'll make when you're signing on the dotted line with someone else. In this episode host Catherine Fitzpatrick is joined by Andrew Hall, CEO of the Insurance Council of Australia. Andrew…
S1 · E5 · 19 Aug 2026 · 26 min
Ep 5. Debt doesn't care who walks away: Before you say yes to getting into debt together
Content warning: This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) Most of us take on debt at some point – a credit card, a car loan, a mortgage. Alone, it's straightforward: you owe it, you pay it back. Shared debt works differently, and almost nobody explains how before you sign. In this episode host Catherine Fitzpatrick is joined by finance commentator David Koch, along…
S1 · E4 · 12 Aug 2026 · 25 min
Ep 4. What happens if there's no happily ever after? Before you say yes to a joint account
**Content warning** This episode discusses domestic violence and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) What if “joint” doesn't mean what you think it means? In this fourth episode of Before You Say Yes, Catherine Fitzpatrick is joined by Rebecca Glenn, founder and CEO of the Centre for Women's Economic Safety, and Simon Birmingham, CEO of the Australian Banking Association and custodian of the…
S1 · E2 · 5 Aug 2026 · 25 min
Ep 2. Love shouldn't cost your freedom: Before you say yes to moving in together
**Content warning**This episode discusses domestic and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) In this second episode of Before You Say Yes, Catherine Fitzpatrick is joined by Simone Weston, executive leader, keynote speaker and women's advocate who survived domestic and financial abuse, and Sue Fraser OAM, a financial counsellor with more than 30 years' experience sitting across from people when the…
S1 · E3 · 5 Aug 2026 · 22 min
Ep 3. What if your relationship ended tomorrow?: Before you say yes to sharing your digital world
**Content warning** This episode discusses domestic violence and financial abuse. Please take care while listening, and feel free to skip ahead if this isn't the right conversation for you today. Support services are listed in the show notes. If you are in immediate danger dial 000 (in Australia) In this third episode of Before You Say Yes, Catherine Fitzpatrick is joined by Karen Bentley, CEO of WESNET, Australia's national peak body for domestic and family violence services, and Stephen Wilson, security expert and CEO of Protective Group, who has spent his career helping victim-survivors…
S1 · E1 · 5 Aug 2026 · 24 min
Ep 1. You're not a mind reader: Before you say yes to sharing your financial life
What if the most important consent conversation you'll ever have isn't about sex - it's about money? We spend years teaching people about financial literacy and relationship advice, but almost no one teaches us how to give informed financial consent. In this first episode of Before You Say Yes, Catherine Fitzpatrick is joined by Angelique Wan, Co-founder and CEO of Consent Labs, and Tracy Hall, author, keynote speaker and survivor of Australia's most notorious intimate fraud case. Catherine explores why the same skills that help us navigate healthy relationships can also protect our…
S1 · E1 · 2 Jul 2026 · 3 min
Before you say yes ... listen to this
We talk about sexual consent - what it is, how to ask for it, how to give it, how to change your mind. But we don’t have the same conversation about our finances. Most of us just fall into sharing money and bills . We say yes because it's easier, because someone has to, because it seemed fine at the time – until life throws a curve ball and things aren’t set up the way we thought. Before you say yes™ is the practical guide to sharing money safely with someone you love. Each episode gives you the practical tools to know what to look for, what to ask, and what to say – to each other, and to…

About Before you say yes

Before you say yes is a English learning podcast from Catherine Fitzpatrick. Melo plays each episode straight from the publisher's own feed — no ads added, no account needed — and remembers where you stopped, in this browser only.

Publisher: Catherine Fitzpatrick
Language: English
Category: Learning
New episodes: Weekly
Typical length: 25 min
Latest episode: 14 Oct 2026
Feed: RSS — paste into any podcast app
Apple Podcasts: podcasts.apple.com/podcast/id6786665335

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