Jay Cutler must've gotten all of Kristin Cavallari's bikini tops in the divorce ... 'cause his ex just posed for a flaming-hot topless pic on a boat!!
It's clear, the single life looks great on the 33-year-old reality TV star ... who flaunted her post-breakup bod on IG while wearing a white thong bikini Thursday.
"Pretending it’s Positano u2728," Cavallari said in her caption ... which is actually pretty interesting, considering that was a stop on her honeymoon with the ex-NFL QB in 2013.
Kristin recently spoke with People about her breakup with Cutler .