Among couples, it’s often one partner who is the designated “financial driver” and sorts out all their affairs, while the other partner has little to no interest. This is dangerous because personal circumstances can change suddenly. Everything is fine – until the day it isn’t.

Financial responsibility shifts when the “financial one” dies or loses capacity, or when there’s a separation or divorce. This is at an emotionally charged time, which is when irrational decisions are most likely to be made.