How to Plan for a Divorce

How to Plan for a Divorce

Deciding to plan for a divorce is significant and emotionally charged. If you find yourself on this precipice, the thoughts ricocheting in your head are probably signaling a need for courage (because of your fear), a need for empowerment (because of your vulnerability), and a need for preparation (because, just where the heck are you supposed to start?).

Take a big breath. Because here with us, you’ll find a sanctuary of support and guidance, crafted for women like you — women contemplating the intricate process of planning for a divorce.

This article will help you learn how to walk through the initial stages of planning. It aims to illuminate your path with clarity, understanding, and actionable steps. Our goal is for you to develop a sense of control and readiness as you navigate through this pivotal transition in your life.

So, let’s unfold the pages of planning, preparation, and personal empowerment as you step forward. (And remember, we are with you.)

Professional Advice on How to Plan for a Divorce

Learning how to organize and plan for a divorce is a complex process, and professional advice can be your compass. The right support from lawyers, divorce coaches, and financial advisors who understand women’s unique needs can be invaluable. This section provides guidance on selecting professionals who can offer tailored support and advice, making your journey of learning how to plan for a divorce smoother and more manageable.

Finding a Lawyer Who Understands Women’s Needs

Researching, identifying, and finding a good divorce lawyer is pivotal, and it’s crucial to choose someone who understands the legalities and empathizes with the unique challenges women face during divorce. Seek a legal advisor experienced in supporting women and providing the advocacy needed during this process.

Financial Advisors for Women

Financial planning is crucial to your divorce process. Working with a financial advisor attuned to the financial hurdles and planning nuances women often encounter is invaluable. Connect with a professional offering tailored advice, assisting you through asset division, budget planning, and financial goal setting, considering your specific needs and circumstances. Check out this SAS article “Smart Moves for Women: A Financial Consultatin for a Divorce.”

Discover the Value of a Divorce Coach

The right divorce coach can be your secret life-force for coping healthily and smartly during and after divorce. Divorce coaches offer unbiased perspective. They know the need for emotional support while you are going through this life challenge. At the same time, they know strategic advice is critical so you are protected and building your best next chapter. A good divorce coach combines the two, helping you navigate the emotional and logistical challenges with resilience and clarity. Consider meeting with a divorce coach who specializes in supporting women in particular. Women have our own unique experience through this journey and it makes sense to be talking with professionals who understand and respect this.

Read about the financial transaction in a divorce and our work as divorce coaches supporting women through the process — in the New York Times.
“Divorce Can Wreck a Woman’s Financial Future: Here’s How to Rebuild.”

The Legal Process

Embarking on the journey of divorce planning requires not just emotional readiness but also a well-armed understanding of the legal and rights-based aspects that will form the bedrock of your decisions in the days ahead. As a woman standing at this crossroads, you must approach the upcoming legal process with an informed mind and a clear understanding of your rights and entitlements.

This section of our article is dedicated to shedding light on the legal process of divorce, with a focus on the nuances and considerations that are particularly relevant to women. With knowledge comes empowerment, and as you navigate through this section, you’ll gain insights that are crucial for making informed decisions, protecting your interests, and planning for your future.

Understanding the Legal Process

Starting the divorce planning process requires a grasp of your state law and divorce, with a focus on issues often faced by women. While the law applies to everyone equally, the implications and challenges women encounter can be unique. It’s crucial to understand the 4 types of divorce and how to know which one is right for you, each with its distinct processes and outcomes.

Knowing Your Rights as a Woman

Being aware of your rights and entitlements is empowering and crucial for women navigating divorce. You will want to understand aspects like alimony, child custody, and property division with a lens on the challenges and considerations that women often have to deal with. This knowledge isn’t about creating conflict but ensuring you’re adequately protected and can advocate for yourself effectively, making informed and confident decisions throughout the divorce planning process.

Check out “The 4 Biggest Legal Issues in Divorce,” and learn if your story involves one or more of these issues.

Financial Plans

Financial acumen is crucial when learning how to plan for a divorce. If you haven’t been the primary financial decision-maker, it’s time to familiarize yourself with your assets, debts, and overall financial picture. By assessing your financial situation and crafting a budget for life post-divorce, you will be well-prepared for financial independence and security as you plan for a divorce.

If you have been the primary breadwinner, and increasingly, there are more and more women like you, you will want to understand what you might be on the hook for regarding these aspects and to learn how to lessen your burden with them.

Consider reading “Breadwinning Women Face an Uphill Battle When Married and When Divorcing.”

Assessing Your Financial Situation

As you begin divorce planning, taking stock of your financial situation is critical. Women often find themselves entangled in the financial web woven together over years of marriage. 

However, you can still assess your financial situation. Simply start by listing all assets, debts, and joint accounts. Understand your current financial standing, considering aspects that are often overlooked, like insurance policies, retirement accounts, and investments. Having a clear picture of your finances is crucial for planning your next steps and future security.

Stay anchored with taking steps.
Read “55 Must Do’s on Your Modern Divorce Checklist.”

Creating a Budget for Independence

Crafting a post-divorce budget requires careful consideration of your new financial reality. Your income might now consist of your earnings, alimony, or child support. Expenses could include mortgage or rent, utilities, childcare, and personal expenses. Prioritize savings, considering emergency funds, retirement contributions, and perhaps even investments for future stability. This budget is your roadmap to financial independence, guiding you confidently through the transition to a financially secure and independent life post-divorce.

Emotional Support and Self-Care

When you’re planning for a divorce, you must consider your emotional well-being, too. The journey may be fraught with a roller-coaster of emotions, and having a robust support network and self-care practices in place is non-negotiable.

Building a Support Network

During this tumultuous period, a strong support network is invaluable. Connect with friends and family who understand and support your journey. Consider joining a vetted, divorce support group or community where women going through similar experiences share insights and encouragement. These connections can offer the understanding and solidarity needed during this time.

Prioritizing Your Mental and Emotional Well-Being

Taking care of your mental health is non-negotiable. Consider engaging with a therapist or counselor who can provide the emotional support and tools to navigate through the stress and anxiety that often accompany divorce planning. 

You’ll also want to set aside time to engage in self-care practices that nourish your mind and body, fostering resilience and a sense of well-being as you move forward.

Preparing for Life After Divorce

As you learn how to plan for a divorce, envisioning life post-divorce is a crucial aspect of the process. When the divorce chapter comes to a close, a new one begins. The new one will be filled with opportunities for self-discovery, growth, and empowerment. Planning for life after divorce is not just about closing a chapter but also about preparing for a new beginning with hope and confidence.

Setting New Goals for Yourself

Life post-divorce is a canvas of possibilities. It’s time to set new goals and aspirations for your independent life. Whether it’s pursuing a career, going back to school, or dedicating time to personal development and hobbies, envision a future that reflects your individuality and passions.

Focusing on Personal Growth and Independence

This is also the time to embrace the opportunity for personal growth and rediscovery. Invest time in activities and pursuits that bring joy and fulfillment, fostering a sense of self-worth and independence. This period is not just about ending a marriage; it’s about beginning a new chapter filled with opportunities for self-exploration and empowerment.


As you navigate through the planning stages of your divorce, remember that this process, while challenging, is also a pathway to a new, empowered life for yourself. Each step taken in acknowledgment, understanding, financial planning, and seeking support is a stride toward independence and self-discovery. 

With the right information, professional advice, and emotional support, you can approach this transition with confidence and a sense of control. Please use this guide on how to plan for a divorce as a compass, gently directing you through the fog, towards a horizon of hope and new beginnings. Embrace the journey with courage and grace, knowing that support and guidance are available at every turn.

We invite you to share your thoughts, experiences, and questions in the comments below. For more resources and support on planning for divorce, please visit our powerful library for women, the SAS for Women website. Your journey is unique, and your voice adds value to a community of women who are navigating through similar life transitions. Together, we learn, grow, and support each other toward a future filled with promise and possibility.


Are you thinking about … or just beginning a divorce and looking for support and guidance? Annie’s Group provides a confidential overview of what a woman must know about divorce. 

Learn more about Annie here.


*We support same-sex marriages. For the sake of simplicity in this article, however, we refer to your spouse as your “husband” or a “he.”

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