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In this episode of Women Talking Money, Gretchen is joined by Sarah Kirkpatrick, Chief Executive of Welsh Women’s Aid, for a powerful conversation about financial literacy, independence, and women’s empowerment. Sarah shares her personal money story, shaped by growing up with a single mother who taught her the importance of budgeting, financial independence, and understanding how money works. We explore how those early lessons influenced her career and her work supporting women affected by domestic abuse. We talk openly about the role money plays in relationships, particularly where financial control, communication, and decision-making are unequal. Sarah explains why knowing your financial rights matters, how financial education can protect women, and why financial competence should be the norm, not the exception. Sarah also reflects on her own financial resilience, including navigating bereavement and the impact of a house fire, and how those experiences reinforced the importance of planning ahead and asking for help when it is needed. Together, we explore why financial independence is essential for healthy relationships, personal well-being, and long-term confidence. This episode is an honest and compassionate discussion about money, power, and autonomy. If you want to feel more informed, confident, and in control of your financial future, this conversation will really resonate. 👉 If you found this episode helpful, please like, subscribe, and share. It really helps more women find the podcast. Let us know in the comments what financial independence means to you. Follow Sara on: On LinkedIn / sara-kirkpatrick-61b9a688 Welsh Women’s Aid - where help and support lines plus explanations about what are different forms of abuse https://welshwomensaid.org.uk/informa... Live Fear Free Helpline : https://www.gov.wales/live-fear-free Follow Gretchen: On Instagram @shefinanceacademy On LinkedIn / gretchen-betts Listen to the full episode here: - https://podcasts.apple.com/gb/podcast... Chapters 00:00 Introduction to Sarah Kirkpatrick and her journey 05:22 Early memories of money and financial literacy 10:38 Facing financial challenges and building resilience 15:47 Preventing financial oppression in relationships 21:12 Empowering financial moments and lessons learned 28:21 Unexpected lessons money teaches us 32:32 What financial freedom really means