Love and money: A woman’s guide to financial independence
Jun 17, 2025
Dive into the intersection of love and finances as experts discuss how women can safeguard their financial future in relationships. From navigating shared expenses to tackling the complexities of cohabitation and marriage, open communication is key. Discover the ins and outs of using a lifetime ISA for home buying and the financial implications of ownership between partners. Plus, learn how wedding costs stack up against potential tax benefits, ensuring that love and money can coexist harmoniously.
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volunteer_activism ADVICE
Fairly Split Bills Early
Discuss how to fairly split bills before moving in with your partner.
Consider income differences to adjust the split so both can save toward shared goals.
volunteer_activism ADVICE
Avoid Joint Accounts Renting
Avoid joint bank accounts just for convenience when renting together.
Joint accounts link your finances and may expose you to financial risks if your partner mismanages money.
question_answer ANECDOTE
Val’s Renting Experience
Val Cipriani shared her personal experience avoiding joint accounts when renting.
Breaking up was simpler financially, with fewer complications during a stressful time.
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Relationships are an important aspect in anyone's life; a matter of the heart but also one for your bank account. In the second episode of Women and Wealth, a video podcast series from Investors' Chronicle, personal finance editor Val Cipriani and digital production journalist Madelaine Apthorpe look at what women should be thinking about as they find true love.
Val looks at how women can protect their personal finance in entering a relationship and the important things to take into account as you move through the relationship stages of moving in with your beloved, getting married and having children. Madi discusses with Val how you should split the bills, whilst asking about rental contracts and what support is offered with the likes of Lisas and other savings accounts.
Val also answers our reader's question about what financial considerations should be made as she weighs up getting married. Madi and Val look at whether married couple tax benefits offsets the ridiculous price of wedding flowers and how women can protect their personal finances as they enter into deeper financial ties with their partner.
Women and Wealth is a six part podcast series from Investors’ Chronicle. You can listen and watch the episodes, alongside our other podcasts, on Apple, Spotify and YouTube and be sure to subscribe to Investors' Chronicle to get all your investing news and advice.
Investors' Chronicle has supported private investors in the UK for over 160 years by highlighting rewarding investment opportunities.
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