When a relationship ends, the emotional part gets all the attention. The financial part quietly keeps running: the joint card still takes charges, the lease still has both names on it, the streaming service still bills your card, and your ex may still be the beneficiary on your retirement account. Left alone, those links can cost you money and credit for years.

The Post-Breakup Financial Audit is a calm, orderly system for finding every financial and digital link you share with a former partner, separating them in the right order, agreeing who keeps and pays for what, and building a budget that works on one income. It covers both unmarried couples and couples who are divorcing or legally separating, and is clear about where those paths differ.

What’s inside

• The 4S Decoupling Method: Secure, Separate, Settle, Stabilize, in the right order.
• The liability ladder: who is actually responsible for each kind of shared account, and how to get out of each one.
• Account decoupling checklist: every account type couples typically share, from joint cards to cloud photo libraries.
• Neutral scripts: word-for-word language for your ex, lenders, landlords, carriers and banks.
• 30/60/90-day plan: a dated action plan from first steps to a stable solo budget.
• 7 printable worksheets: inventory, decoupling checklist, subscription audit, who-keeps-what, shared debt plan, call log and solo budget.

Who it’s for

Anyone separating from a partner they shared money, a home, accounts or subscriptions with: unmarried couples, couples divorcing or legally separating, and anyone helping a friend or family member through it.

Time required

About 2 hours for the first inventory. Most separations take 30 to 90 days to fully decouple; a divorce follows the court’s timeline.

Instant PDF download, 42 pages. For general educational purposes; not legal, tax or financial advice. If you are married, speak with a family law attorney before closing joint accounts or moving shared money. Licensed for the purchaser’s personal use.