3am Book

It's 3am and you can't sleep. The relationship is over, or it's ending, or you can see it coming - and the questions arriving at this hour aren't about love. They're about money. What you can access. What you should sign. What actually belongs in the asset pool. What you might be missing without knowing it.The 3am Book is a practical Australian guide to the financial side of separation, written for the partner who was less across the finances and now has to be across all of it.It walks through what most people don't realise belongs in the asset pool, starting with superannuation, the single most commonly missed asset on the table. It covers the family business, when nobody agrees what it's actually worth. The family accountant, who may no longer be entirely your friend. What the documents really say, what resolution actually costs, and how the court decides and why that matters even if you never set foot in one.Then it covers what comes after: orders implemented, Centrelink and child support sorted out, the roof over your head secured, your own money on your own terms, and the rest of your life still ahead of you.David Bay is a forensic accountant and business valuer based in Perth, Western Australia. He has spent more than a decade in Australian family law matters as expert witness, business valuer, and forensic investigator tracing assets, analysing pools, and watching firsthand what works and what doesn't.This is the briefing you should have had at the start of all this. Read it now, and walk into the next conversation, the next appointment, the next decision better prepared than you would have been.