Money Matters

Breaking Bonds: Financial Implications of Divorce with Seth Nelson, attorney and host of the How to Split a Toaster podcast

Brought to you by Neighbors Federal Credit Union

When it comes to divorce, most people envision a battlefield of emotions and legal terms. We dive into the complexities of this life-altering event with our guest, Seth Nelson, an experienced divorce attorney. Seth unravels the intricate financial implications of divorce, reminding us that viewing separation as a win-lose situation will only lead to losses on both sides. He offers crucial insights into local laws and equitable distribution - a concept that can dramatically shape a divorce's outcome.

A divorce doesn't only affect the couple involved, but also the innocent bystanders - the children. Seth sheds light on the often overlooked financial impacts on children’s futures, discussing effective strategies for planning for significant future expenses like college fees. He also broadens the conversation by touching upon same-sex couples and the financial challenges they too face during a divorce. Indeed, no one is immune to the financially turbulent waters of divorce, and Seth's expert advice provides some much-needed guidance.

Finally, the episode takes an unexpected turn as we delve into Seth's personal experience with divorce. His candid recounting of negotiating with his attorney shines a light on the importance of legal counsel during this tumultuous period. Seth also emphasizes the significance of understanding alimony implications, particularly when considering remarriage, and provides tips for living within your means during the recovery process. It's not every day you get advice from an attorney who's been in the trenches, making this episode an invaluable resource for those navigating the financial labyrinth of divorce. Tune in and equip yourself with knowledge and strategies to handle divorce more effectively.

Our guest Seth Nelson is the managing partner at NLG Divorce & Family Law as well as the host of the terrific How to Split a Toaster podcast.

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Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Speaker 1:

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want. Now here is your host, ms Kim Chapman.

Speaker 2:

Welcome to another edition of Money Matters. I am your host, Kim Chapman. Today we delve into a topic that, for many, can be one of the most emotionally and financially challenging periods of their lives divorce. As relationships evolve, sometimes paths diverge, and when they do, it's crucial to understand not just the emotional side of it, but really the financial ramifications. As a financial counselor, I often have individuals that come to me simply because of divorce. They're going from a two-income family to a one-income family. Someone's left them with a lot of debt. There's so many different ways that divorce can affect you, but the financial side is one that we should never overlook. So joining me today is Mr Seth Nelson. He is an attorney that strictly deals with divorce. Thank you for joining me today, Mr Nelson.

Speaker 1:

Oh, call me Seth, so happy to be on your show.

Speaker 2:

So give our listeners a little information about yourself, your family life and your practice, and what makes you an expert on the subject we're going to talk about today.

Speaker 1:

Well, I'm Seth Nelson. I am the managing partner of NLG, a divorce and family law firm in Tampa, florida. I've been practicing law for over 21 years now and focused solely in the divorce space for over 16. I've been through a divorce, now remarried. I've dealt with the issues of having a very small child. You went through divorce and, like you said in your opening, going from a household with two incomes to splitting up and each having one income living in different places, so of course, you're going to have less disposable income at that time. I deal in high net worth cases on a daily basis, so we're dividing up businesses, companies, closely held companies, stock options, long term incentive plans, dealing with mortgages that need to be refinanced, anything that goes on with assets and debts, and the divorce we deal with on a daily basis and it's tough on people out there, so we're just trying to do the best we can and get them through the process as quickly and fairly as possible.

Speaker 2:

Over the years, you'd always hear the statistic that the divorce rate is 50%, and it's always been cited that the number one reason is financial issues. I don't know if that's changed to social media, but we're going to stick with financial issues for today, so let's jump right into it. What are the most common financial misconceptions people have about divorce? I know that there's a lot of focus on the emotional side how is this going to affect me? How is it going to affect the kids? But are they really overlooking some things? What might be a misconception?

Speaker 1:

Well, when you focus on divorce, especially with finances, I always tell everybody on all the podcasts I'm on on my own podcast that we have check your local jurisdiction. Get with a lawyer in your state that knows what they're talking about to ask the specific questions, because divorce law changes state by state. We can talk about general concepts today, but always check your local jurisdiction. So some misconceptions if a count is in my name only, it's mine. My spouse isn't entitled to it.

Speaker 2:

What Just kidding? You've heard that before.

Speaker 1:

I know Absolutely. So the first part you got to think about when you're dealing with divorce or misconceptions is what we call in Florida equitable distribution. This is the division of assets and debt. So things that you own and money that you owe, that's debt. So in Florida we create what's called a schedule of equitable distribution. That's just legalese to talk about an Excel spreadsheet. So what I would recommend to all your listeners is, if you're thinking about going through this process, make a list of all of your assets and all of your debt.

Speaker 1:

Now, as we all know, some people will not know the answers to that question. That's fine. In the divorce process you can get the information you need and we'll talk about hiding assets, I'm sure, later. But once you identify all the assets, you have to determine whether those assets or debts are marital or non-marital. And if they're marital, they're going to be divided. If they're non-marital, whoever's they are keeps it. So basic example if you get engaged and your fiancee hands you an engagement ring in Florida, that is a non-marital asset. It was a gift from a boyfriend or a girlfriend, let's say, before the marriage. You get married, that's yours, but on the first anniversary he gives you diamond earrings to match. That is a gift between spouses In Florida. If you get divorced and you're the guy that gave the diamond earrings, you can say that you want half the value back. So if they're worth $1,000 and she keeps them, you can say she owes me $500.

Speaker 2:

Ooh, but I don't have to split up the set right, I can still have the beautiful ring and the beautiful earrings.

Speaker 1:

That's right. You have the beautiful ring and you can have one earring and just give them the other one.

Speaker 2:

Not quite the look I'm looking for. So keeping in terms of misconceptions. You know this is where your expertise and your 20 years in the practice is going to come into play. Who, would you say, suffers the most financial loss in a divorce? Is it men or is it women? Because you know, if I ask a woman or a man, you're going to get different answers.

Speaker 1:

They both will feel like they're losing, and the reason for that is because if you view it as winning or losing, you both are going to lose. So, first off, if someone's comfortable in their home and they have to sell their home and they have to downsize because you went from two in comes under one roof into two in comes under two separate roofs, your standard of living is going to drop. So if you have to sell the house, you're going to feel like I lost the house. If you keep the house, you might feel great, but you might have to give up all your retirement to do that and therefore you're going to feel like you lost your retirement.

Speaker 1:

If you get divorced and you are the non-income earning spouse and you're receiving an alimony, it's never going to be as much as you think it should be, and if you're the one paying it, you're always paying more than you think you should be. So everybody thinks that they lose. Divorce is a huge financial stressor and one major thing that you can control if you're soon to be former spouse will do the same is keep attorney's fees down by being honest, open and it's hard to say this during a divorce and vulnerable, by bringing all the information forward and don't have the lawyers go fight to get all the document to look at the financial picture so they can make informed decisions.

Speaker 2:

So cooperation can equate savings is what you're saying, huge saving.

Speaker 1:

Divorce in. Judges are there to solve dispute. If there's no dispute, there's not much for us to do.

Speaker 2:

Oh, duly noted. So what type of financial loss is resulting from a divorce Do men encounter more frequently than women?

Speaker 1:

If the man and I'm going to, say like the wage earner, because sometimes in today's society the female will be the wage earner. Sometimes we'll have same-sex couples. So the wage earner will feel like they are losing part of their income. If they have to pay alimony or child support after divorce, that's the big one. If they're the ones that have been saving up the retirement account, the IRA, and it has to get divided, they'll feel like they're losing half of their retirement. If you have someone in the military and they realize they have to give up their pension, or a first responder has to give up a portion of their pension, they feel like they're losing that. So it's just an emotional. From the legal perspective, that was all marital asset. It gets divided evenly in Florida.

Speaker 2:

And I have another question. As you might figure, I'm kind of shifting this and focusing a lot on men and one of the reasons is, you know, earlier we did a podcast on divorce but we wanted to do it from a woman's perspective. So we had a table full of females giving us all the tips and tools and pitfalls from a woman's perspective. So we want to have you kind of highlight from a man's. So what are some common pitfalls men should be aware of during a divorce specifically? That basically would be for the males.

Speaker 1:

Come forward with all the information. Do not try to hide the ball. When you try to hide the ball, it will cost you more in litigation. You want to avoid the pitfall of having your divorce take two, three, four years in the court system. Because if you have a pie and you have to divide up that pie, and that pie is money, if you have to give her I'm saying in quote, 60%, even though you should only give her 50%, that might be financially a better deal for you than litigating your case for two to three years and giving her then 50% of the pie. And the reason for that is the pie is gonna be smaller because you've litigated for two or three years and you've given the money to the lawyers, you've given the money to the forensic accountant, you've given the money to expert witnesses. So come forward, don't hide the ball. Try to get a settlement early. Avoid attorney's fees and costs.

Speaker 2:

So, from your perspective as an attorney, you have couples with different financial dynamics. Some of them have everything that's joint, they do everything together, and then you have those on opposite stream. I have my account, you have your account. From your perspective, which case, which circumstance is just better in terms of the process when you have couples that everything is shared or couples where everything's already separate?

Speaker 1:

The process is better if it's already shared, and the reason for that is because then you both can get the documents. You need to make an informed decision. If she has her accounts and he has his account and you don't know about them, or if money's been transferred to third accounts or fourth accounts or bought a piece of property or put into a 401K. If you don't have that information, you have to go chase it. Then you have to do analysis to watch where the money flowed in a tracing. That will take longer and be more expensive. If all the accounts were already together, then you know you're getting the full picture. But that goes back to your really great question how to avoid a pitfall. If your accounts are separate, that's not a problem, as long as you give full-fledged, honest disclosures at the very beginning.

Speaker 2:

Are there any consequences? What types of penalties do individuals face, whether it's the male or the female, when they are hiding assets? We see this and we hear this, especially if you're looking at TV or somebody's withholding their secret account.

Speaker 1:

Well, you can get sanctioned by the court. You're gonna have to pay extra attorney's fees If they're not disclosed in Florida on your financial after David which is a sworn statement to what your financial picture is and that is later discovered the other side can bring a motion to the court to undo your entire divorce settlement because you flat out lied. You brought fraud upon the court. So you could be six months, eight months later and realize, man, I gotta go through this whole process again and judges don't look too kindly when you lied to them the first time.

Speaker 2:

What are you seeing now in terms of a trend? Are you still finding? Is it more men filing for divorce, more women filing for divorce?

Speaker 1:

It actually depends on the age group of it. There's a lot of women that are what we call gray divorce, that are older 50, that are the ones initiating the divorce, more than the men. Other than that, it's about 50-50 when you are at a younger age group, let's say 25 through 50.

Speaker 2:

And another new trend that again I'm seeing. You have individuals or couples that are divorcing but then remaining in the same household. But my question would be have you had couples come to you for divorce, looked at the financial ramifications and then said, hey, let's scrap this, let's walk away and stay married because of the finances?

Speaker 1:

Yes, what we typically do in those cases if we've done what's called a post-nuptial agreement. Everyone's heard about a pre-nup, where you know what's gonna happen in the money if you get divorced, and sometimes those pre-nups will have death provisions as well. What happens upon death? Think of a second marriage. You wanna leave the money to your children or grandchildren so you don't wanna go into your spouse's children or grandchildren. But people come to me. They're looking at getting divorced and the big stressor in their life is the money.

Speaker 1:

And we work out a post-nuptial agreement. You're already married and we decide how the money will be handled during the marriage and upon divorce. So this might be where someone gets an allowance. You get 15 grand a month. I'm making up a number to spend and I'm gonna put so much away in an IRA for you every year and I'll put so much away in a 401K for you every year and that way, or into a brokerage account for you every year. That's in your own name, and then if we get divorced, you get to keep those assets that I've been putting money into all along. But that lowers the stress level of why are you always asking me for money? You guys just agree on how much you have to spend.

Speaker 2:

So you've been to Florida, of course we're in Louisiana, of course we have listeners all over the country. So I wanna ask are there any particular laws that you might be aware of that are not followed by every state, because of course they are gonna have different regulations, but that you believe would be a game changer if all states would adopt this particular statute?

Speaker 1:

So a lot of states deal with child support differently. In Florida, by way of example, child support and when a child turns 18 years old, or they can go a little bit longer if they're 18, but they're going to graduate high school before they turn 19 years old, because the concept is you don't cut a kid off from child support during their senior year.

Speaker 2:

That all makes sense, that would be cruel.

Speaker 1:

Okay. Now some other states say wait a minute. A lot of people support their children after high school. They support them in college, whether it's a trade school, community college or an Ivy League school. They are a state school. We're supporting these kids, so they will require you to support them for a longer period of time, and I think that makes more sense to me, because that's typically what parents try to do to help. So I think that would do it. But, like to your point, every state is different. Every state can handle it their own way. I just think that it creates more conflict for parents and kids when they're trying to go off to college or start out on their own, and then one parent's like I'm done Ask your dad, ask your dad, ask your dad when. If you're getting child support, then you could maybe help along the way as well.

Speaker 2:

How can parents plan for their children's financial future, such as college expenses, when they're going through a divorce?

Speaker 1:

Well, there's 529 plans that if they have going forward, they can make a settlement agreement where they say both parents will contribute to a college savings account for their children. But remember, they're already lowering their standard of living, so they're going to have to make a choice on what to do with their discretionary income if they have some. And one of those things is we want to help our child through college. Let's put money aside along the way, and we might not go out to a fancy dinner, we might not go on a fancy trip on a plane, we might just drive to the beach or drive somewhere for the weekend. So you can adjust your disposable income to say we are going to do without because we want to save for the future.

Speaker 2:

So, like you said, sometimes the standard of living changes. What strategies can be employed to minimize the financial disruptions for children during and after a divorce?

Speaker 1:

So a lot of lawyers will tell people that might receive alimony let's say the woman in this case and say don't get a job yet. Look for a job, but don't try too hard, and then they'll have to impute income. If you want to minimize stress, the best thing you can do is become self-sufficient financially. So go get a job. Having more income coming into the family is always better than less, and you can minimize your children's stress if you can help support them, and the way to do that is to become as financially self-sufficient as possible.

Speaker 2:

So I want to shift gears just a little bit. Are same-sex couples that divorce immune from any issues, or do they have issues that are going to be different, legal issues that would be different from heterosexual relationship? This is easy. They're all the same, no difference.

Speaker 1:

No difference.

Speaker 2:

Okay, so someone is considering a divorce. What steps should they take to leverage the best financial outcome?

Speaker 1:

It's always easier to get divorced when you have money that is disposable income and you realize that you don't want the lawyers in the conflict and the forensic accountants and the experts that eat it all up. So if you want to prepare for divorce, the best thing is to do is get your financial house in order, which is the things people should be doing on a daily basis anyway. Don't carry credit card debt. Have savings. Save for retirement, save for your kids' college. Live within your means. Live within your means. That is the best way to save money when you go through divorce, because then you come to the lawyer and say look, we have all assets. We have no debt other than a house and a couple car loans. Here's what we think we should do with the house. Our kids are in high school. We want to keep the house for another two years, let them graduate. Then we're going to sell it because the interest rates are high right now. We don't want to refinance. There's all sorts of things to be creative so you can minimize the negative financial impact.

Speaker 2:

And I'm going to use your words Live within your means, because that's a segue for really the criteria that I use all the time for developing and having good credit habits. What impact does divorce have on credit? It can be devastating.

Speaker 1:

And the reason it's devastating is if you're going through a divorce and you are going to make it contentious and you guys are going to fight and argue and not be forthcoming with information, you are going to drive up your attorney's fees. I've looked at thousands, tens of thousands, hundreds of thousands of financial affidavits budgets. Nobody has ever once had a line item in their daily budgets for divorce attorney. So when you're running up that bill, something's got to give. You're putting it on a credit card, you're maxing it out, you are depleting a retirement account, a 401K, a brokerage account, maybe your kid's college savings goes to the attorney and now you're going to send my kid to college and not yours. So it can be devastating. You could miss a mortgage payment, you could miss a car payment, and that's when things are real bad.

Speaker 2:

And how does it handle? You know, I've seen situations. Individuals have come in and say, hey, I'm in the middle of a divorce, or I got a divorce and he's responsible for the mortgage, and of course you're seeing the late payments on there. How can you, as an attorney, what impact do you have on that? You know, because obviously they may call you and say, hey, they're not paying the mortgage, it's their responsibility. What can be done in those situations? Because I do see that time and time again.

Speaker 1:

I move as quickly as I can through the court process, and in the court process and in the divorce, you can only go as fast as the slowest person or entity. So if I'm ready to go to trial today, and so is the other lawyer and so are the party, but the judge doesn't have a trial date for six months, there's nothing the lawyers can do about that. So what I do is get the information we need right away, file our motion to require the payment of the mortgage, go to a mediation which is I'm required to do and go to that hearing as soon as possible. And I just described in a matter of seconds could take six months.

Speaker 2:

Wow, that's a pretty long time and a lot more delinquencies can kind of develop and add up. So we prepare for marriage, we sit down and we think about preparing for children. How do you prepare financially for divorce? If you're on the fence and it looks like this is the path that you're going, what's your best advice? Is there a checklist? What are some things you said? You know, get your ducks in order, get rid of the debt that you have. But what else? Financially, what's the best things that I can do to get myself ready for a divorce?

Speaker 1:

Get all your financial information together. Pull your credit report. Make sure you see where all the debts are. If there's mistakes on it, get it cleaned up. If there's small credit cards, get them paid off. Close them if you can, so during the divorce process people can't run up bills on them. Make sure you're getting all your financial statements from your bank accounts, your credit card accounts, your brokerage account. I would get the last six months to a year. Make sure there's been no withdrawals of substantial amounts of money that seem a little odd, Like wait a minute, where did this 20 grand go? Right, that type of information gathering early, just slow and steady. You don't have to do it all in one weekend. That will help you get the financial picture in order and will save you time and money when you go to a lawyer and say here are all my documents, here's the asset, here are debt, here's what I think should happen, but tell me if I'm complying with the law.

Speaker 2:

Can a couple get divorced without having an attorney at all?

Speaker 1:

Absolutely. There's no requirement and the state will not provide one for you.

Speaker 2:

What are the pitfalls, what are the disadvantages? So I go that route. Well, when you buy a house, you have a realtor.

Speaker 1:

The realtor has a broker. You have an inspection. You have someone that's the closing agent. You have, maybe, a lawyer to review the contract. When you're getting a divorce and you're dividing up your assets and debt, you're signing a contract If their kids involved. You're signing a parenting plan, potentially or you're going to a trial, which is very complex. So I am a strong believer that the client makes the decision on the ultimate outcome in a settlement. If the other side agrees, that's fine, even if legally they could get more in court.

Speaker 1:

I respect my client's right to have ownership and make that decision. They can give away the farm and avoid trial. It's my job to let them know. Listen, you're giving away the farm, that's okay. I will share it with my own divorce. Many, many years ago over 17 years ago my lawyer sat me down and said Seth, you can do better in court, you do not have to give up this money. And I said I don't care, I'll go make more money in the future. I want to make sure that my former spouse stays in this house because it's good for her and it's good for the kids to stay in the school district. But my lawyer did a good job by saying under the law, you can do better, but it's your choice if you want to do this now. That's why I think you need a lawyer, so you understand what you're giving up or what you're entitled to, and then you make the decision.

Speaker 2:

Of course today we have lots of people getting remarried. I heard you mentioned you're divorced and you're remarried. Is there something that a person needs to keep in mind if they're getting the divorce? Maybe they don't know that they're going to find somebody else down the line that they should really think about and prepare for during this divorce. That will help them before they get married again.

Speaker 1:

So in Florida the big issue on that is alimony. If you're receiving alimony and you get remarried, your alimony terminate, boom done. So if you're thinking about getting remarried and someone's willing to pay you alimony for 10 years, you might say I'll take it for five years. But I want you to pay me more now over five years on a monthly basis, but you don't have to make the last five years of payment. So I'm only going to get really like seven years of alimony, if you added up the numbers. But I'll take it in five instead of 10 because then, boom, you get married on your sixth year. You would have lost the last four years anyway.

Speaker 2:

And if you are looking at a second marriage. We typically think of pre-nubs for really wealthy individuals, but it seems like the waters can get really, really murky when you have your first wife and you have those kids and now you have your second wife or second spouse and kids. What can a person do ahead of a second marriage Again, just in case things go sour again, just to not make it so chaotic and complicated if you have to do a second divorce and how often do you see second and third divorces with the same individual?

Speaker 1:

Oh, I've seen that before they get married, they get divorced. They get remarried. I've seen that I've divorced a guy more than once to the same woman, right. So here's the deal. Divorce aren't bad, they're difficult to negotiate.

Speaker 1:

Because you're in love, you want to get married, you think you're going to walk the rest of your life on this earth with them and you're talking about what happens if we split up. That's not a fun conversation. Someone always feels like, well, you're just marrying me for my money, and the other one feels like, well, you're not even taking care of me when I'm stepping out of my career to stay home for 10 years and I'm 35. Now we're going to have children. I'm going to be out of the workforce for 10, 15, 20 years, five years, whatever, and now I got to get back in. That's hard to recoup that earning potential that you've given up.

Speaker 1:

So I'm in favor of prenup. The reason I'm in favor of prenups when you get married, whether you like it or not, you've entered into a contract. The issue is you don't know the terms of that contract, because alimony changes based on the number of years you've been married. Alimony can change based upon income. Alimony can change based upon whether you help support your spouse going off to school and you stayed home and raised the kids. There's all these things you don't know because you just haven't lived it yet. You don't know how long your marriage will last. You can get married and say we want to know the terms of this marriage contract and that's what a prenup does. If we're married for zero to three years, you get X number of dollars in alimony. If we're married from three to five years, you get Y. If it's more than five years but less than 10, you get Z. You can define those terms. The law doesn't for you anyway. You just don't know what those terms are when you get married without a prenup. You can define them when you do.

Speaker 2:

How do we start over financially? What does a financial recovery plan look like after we divorce?

Speaker 1:

Live within your means. You're going to cut back. You are not going to have all of the wonderful things that you might have had during marriage. It's going to be tough. You're going to have to just scale back and really focus on what is important Spending time with your children, spending time with your friends. Even if you can't afford to go out with ladies night and to fancy dinners or on trips, find other ways to fill your time that is less expensive. That is the single best thing you can do, because you need to start. You're going to feel like you just lost half your wealth or you're going to be a pile of debt. If the debt's that bad, you might want to consider bankruptcy to wipe the plate clean and start again. But get financially healthy. Live within your means. Do what you can do to save for retirement.

Speaker 2:

And I echo everything that you just said. Those are words that I live by, Live within your means. Well, Seth, thank you so much for sharing this information. Hopefully, this will help ease the burden of somebody that's looking to get a divorce or going through a divorce and know what to expect before, during and after.

Speaker 1:

Well, I really appreciate you having me on. I hope listeners found it helpful. You're asking all the right questions and that's step one.

Speaker 2:

So, seth, you actually have a podcast about divorce. Tell us a look. First Tell us the name I love the name and then tell us a little bit about the podcast and how our listeners can find it.

Speaker 1:

You're so sweet, so it's called how to Split a Toaster A divorce podcast about saving your relationship. You can find it wherever you listen to your podcast on any of the platforms out there. You could Google how to split a toaster. We're coming up. We love it. It's doing exactly what you're doing. You focus on the financial matters. We focus on not just divorce. We will focus on every aspect of divorce. We've had podcasts on dating after divorce. We've had podcasts on handling financial matters All the questions you're asking today during a divorce. We've had podcasts on who gets the dog and how do you decide what's best for the dog as opposed to for you. So we try to bring a lot of humor to it, because divorce is hard enough. Take a listen If you find it helpful. Listen. Download other shows, listen to those. If it's not helpful, don't listen. It's just that simple.

Speaker 2:

I've listened. I enjoyed it Again. I love the title how to Split a Toaster. Again, thanks so much for joining us.

Speaker 1:

Thanks for having me.

Speaker 2:

Navigating a divorce can be emotionally and financially challenging. Making sound financial decisions during this time is crucial. Here are some financial tips for couples considering or undergoing a divorce. Avoid making big financial decisions immediately. Amid the emotional turmoil of a divorce, it might be tempting to make significant decisions based on your emotions. So give yourself some time and space to clear your head and think rationally. Hire a financial advisor, especially if your finances are complex, as you just heard. It may be children involved, it may be additional spouses, it may be businesses included. So hire a financial advisor just to make sure you cover all your bases. Then understand your own finances. Review all of your financial account assets and debts. Create a budget based on your anticipated post-divorce income. And again, we can't say it enough Live within your means. And for more information, you can check out neighborsfcuorg To learn more on how to use the money you have. Make the money you need and save the money you want.

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