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Financial consultation for a divorce

Smart Moves for Women: A Financial Consultation for a Divorce

When considering divorce, or before responding to a spouse’s request for divorce, most women know it is smart to consult with a divorce attorney to learn about their rights and entitlements. But few women realize it is equally important to pursue a financial consultation for divorce with an experienced financial advisor. Who is a good financial advisor? It’s not the one you and your spouse have been using (unless s/he is more in your pocket than your spouse’s.) This new advisor should be someone who really listens to you and your concerns as a woman, has at least 10 years of experience, and (most importantly) understands how divorce impacts your money. For this reason, you may wish to cut to the chase and consult with an advisor who holds the certified divorce financial analyst® (CDFA®) designation.

Marital finances are often complicated. If any of the following situations apply to you, you may want to consult with a CDFA even before you consult with an attorney:

  • You wonder if the income that supported one household could stretch to support two;
  • You or your spouse purchased the family home before marriage;
  • The marital estate includes multiple assets such as real estate, stocks/bonds/funds, retirement accounts, pensions, cryptocurrency or private equity;
  • You or your spouse receives equity compensation such as restricted stock units (RSUs) or stock options; or
  • You or your spouse is self-employed or owns a business.

Women Not Confident in Their Financial Knowledge Often Pay More in Legal Fees

We don’t need Sherlock Holmes to discover for us that many experienced divorce attorneys charge high hourly rates. Martindale-Nolo surveyed attorneys and consumers in both 2015 and 2019 and concluded that the cost of divorce was influenced primarily by the attorney’s hourly rate and the number of hours the attorney spent on the divorce case. According to the survey, on average, divorce attorneys charge between $300 and $365 per hour in California and $305 and $380 in New York. 

I work with women across the country, especially with clients in California, and many of them choose attorneys who are certified as family law specialists. These specialists charge between $350 and $575 per hour. Top family law litigators charge even more. 

Your lawyer serves a critical role, whether he or she is advising you as a consulting attorney during mediation with a neutral third party, or representing you from start to finish with respect to your case. But paying a lawyer by the hour to increase your knowledge on the financial aspects of divorce will result in unnecessarily high bills. This is not the best use of your money.

It makes a lot of sense to choose the right tool for the task, especially when that tool is less expensive. Most CDFAs charge rates that are 30% to 50% lower than the rates attorneys charge in their markets. So, if you want to learn how retirement accounts and pensions are divided, whether or not you can afford to stay in your house (or qualify to refinance the mortgage in your own name), how to negotiate a fair division of assets, and what you need to do to ensure long-term finances, then I recommend you arrange a consultation with a smart money person or a certified divorce financial planner.  

A CDFA Helps You Avoid Costly Mistakes

CDFAs are financial professionals who understand your budget. We look for ways to ensure we add value so your investment in time and money pays off. We help you evaluate settlement proposals before you get to the final, divorce financial settlement. Putting in the work in advance will help you avoid mistakes that could prove costly down the road. 

One of the most common mistakes women make is agreeing to a division of assets that might look fair today—but results in a less-than-equal division in the future because they did not consider after-tax values.

If child support and/or alimony (sometimes referred to as “spousal support” or “maintenance” depending on your state) occurs in your case, it is critical to work with a financial professional who can project your after-tax cash flow and assist you with preparing both a pre- and post-divorce budget. You do not want to commit to a lifestyle for you and your children that you cannot afford. And, conversely, you don’t want to pinch pennies and live in a state of anxiety if your CDFA concludes that running out of money later is unlikely.

How to Find a Good CDFA

You can find a CDFA in your area by entering your zip code on the Institute for Divorce Financial Analyst’s website. There you will find newly-minted CDFAs as well as experienced practitioners.  

Many CDFAs have Yelp or Google reviews so be sure to check those sites as well as ask for referrals. 

Ask your divorced friends for the names of attorneys, mediators, and CDFAs. I recently attended a birthday party for a former client and was pleasantly surprised to see two other former clients in attendance. I had only met with one of them via Zoom during the pandemic and it was wonderful to be able to give her an in-person hug. 

Everyone is using Zoom these days so you do not need to limit yourself to a CDFA in your local area. And, in my experience, Zoom is even better than in-person meetings when reviewing and commenting on documents and spreadsheets. As long as the CDFA is familiar with your state’s laws and has experience working with attorneys or mediators in your state, he or she should be able to provide value, but never legal advice (that is what your attorney does).

For example, since one of my specialties is determining the marital and separate property portions of equity compensation for employees of both publicly–traded and start-up companies, it is no surprise that many of my clients live in the San Francisco Bay Area when I’m physically located in San Diego. 

How to Prepare for a Financial Consultation for Divorce

Most financial advisors and CDFAs offer complimentary financial consultations for divorce. I offer consultations by phone and last between 15 and 30 minutes. I also provide 30-minute financial consultations for divorce to participants in SAS for Women’s Annie’s Group. Before your consultation, check out the advisor or CDFA’s website and read their resources. This is your opportunity to have a professional answer your basic questions before you ask specific questions relevant to your unique situation.

To make your consultation call most productive, it’s best to have…

  • a list of you and your spouse’s assets and debts and estimated values 
  • your last two years of tax returns. 

Some women handle the finances in their marriage, so this information is not hard for them to organize. But in reality, only some women have access to all that information so just do the best you can. Any information you can provide is helpful. You will also want to tell the CDFA how long you have been married, whether you are currently living with your spouse, and the ages of any minor children.

While the CDFA may be able to answer some of your questions, don’t expect him or her to answer all of them during a brief consultation. If you are the primary breadwinner in your family, and increasingly many women are, you’ll want to make sure you do everything to protect yourself and support your family. You’ll want to ask the advisor/CDFA how he or she works. Specifically, you’ll want to know whether the fee is hourly or flat-rate, and what you can expect to accomplish by working together. For example, I charge an hourly rate but also offer flat-fee packages for divorce financial planning and analysis before and during divorce like the “It Could Happen” and “Mediation Money Mentor” packages. 

Conclusion

No matter how you choose to divorce (mediation using a neutral third-party, traditional approach of you each hiring a lawyer, litigation, or DIY via an online platform), connecting with a financial advisor is just plain smart to ensure your best future. A CDFA can add value by reducing legal expenses and/or the time it takes to divorce. Once you become educated on your financial options and what is possible, you can more effectively and healthily advocate for yourself during the divorce process. You’ll avoid the possibility of making financial mistakes that will be detrimental to your future. I cannot tell you how many times I have introduced myself at a networking event where the woman will say to me, “I wish I had known about you when I was going through my divorce.”  

Notes

Laurie Itkin, “The Options Lady,” is a financial advisor and certified divorce financial analyst® and has worked on more than 250 divorce cases, primarily in California, either as a financial neutral or advocate to one spouse. Laurie has been quoted in the New York Times, Wall Street Journal, San Diego Union Tribune, Chicago Tribune, Christian Science Monitor, U.S. News and World Reports, Parade, Redbook, and Forbes. She is a member of the Association of Divorce Financial Planners, the Institute for Divorce Financial Analysts and the National Association of Women Business Owners and provides pro-bono financial advice to clients of the San Diego Financial Literacy Center and Savvy Ladies. You can request a consultation or sign up for Laurie’s monthly newsletter here

 

Since 2012, smart women around the world have chosen SAS for Women. We partner with you through the emotional, financial, and oft times complicated experience of divorce and rebuilding your life afterward. Schedule your FREE 15-minute consultation with SAS. Tell us confidentially what’s going on, and we’ll give you clear feedback, resources, and suggestions for your next steps.

Before you file for divorce

6 Must Do’s Before Filing for Divorce

Regardless of your situation, divorce is life-altering. Even if you expect to manage a calm break-up, the financial and emotional challenges could make divorce one of the toughest things you’ll do in your life. For this reason, many people do not prepare themselves adequately before filing for divorce.

Unfortunately, most people jump into divorce impulsively—or they face divorce unexpectedly—without ever preparing. In those scenarios, the risks of a bad outcome increase because at least one of you reacts from an emotional, uninformed place. This increases the likelihood of discord, conflict, and pain because “fear” is leading the charge.

Responding from a steadier, educated place will reduce pain in the long run. And so, before you decide to file for divorce or respond to a divorce filed against you, make sure to follow the concrete suggestions below to help get your footing. You must acknowledge your fear, but you must also listen to your brain and take these steps.

  1. Begin By Writing Down Your Questions

Taking action is important, in fact critical, but before you lunge in any direction, take time to be with yourself and to write down the biggest questions you have. Put the questions in categories if possible: legal, financial, emotional/life, practical. Then consider your questions and find the right professional who can help with them. Friends can only get you so far. A professional must look at your circumstances to help you understand your choices. A professional will have experience with these issues. Why do it all alone and exhaust yourself trying to reinvent the wheel?

  1. Gather the Necessary Documents to Get Feedback

Legal and financial documents about your marital life are essential in divorce. During the process, your lawyer and financial advisor will need to see various documentation to give you concrete feedback on what your best-case and worst-case scenarios are. Organizing your paperwork early on, including such essential files as investment and retirement account statements, tax returns, and pay stubs of your partner, will help your advisors understand the financial story and help you develop your best strategy for what you will negotiate for and live on.

Read Are You Thinking About Divorce? Important Steps to Be Prepared

  1. Consult the Right Professionals

Look at your list of questions and begin consulting the appropriate expert. Therapists can help you specifically with the emotional journey you are going through and offer guidance on how to take care of yourself during this time. The relatively new type of divorce advisor the “divorce coach” is a generalist who gives you an overview and structure for what to expect. They will help with some of your questions and help you identify clear steps to take in the right direction. Divorce coaches are also trained in supporting you with your emotional challenges as you are facing this transition. Well-resourced and connected, they can provide you with referrals to other seasoned experts, like a lawyer, therapist, or financial advisor who specializes in divorce.

  1. Legal Support

Even if you are thinking about it, or your spouse is telling you, “Let’s do it DIY!” it is critical that you, as an individual woman, get feedback on your legal situation. This means consulting with a lawyer on your own.

You should look for a traditional, licensed divorce attorney for this meeting and aim to learn what your rights are. Additionally, you should also learn what you are entitled to and what might be potential issues to resolve. You must hear what your state law says about your circumstances (and not rely on what your spouse is telling you.) You’ll probably have questions about child support, spousal support, temporary living arrangements, who determines custody, who’s going to stay or move out, or how to conduct yourself during the legal process. Like a divorce coach or financial advisor (below), a lawyer is that person who speaks to you confidentially and advises you specifically. A good one specializes in family or divorce law, and is experienced, compassionate, and makes you feel heard.

See this link for questions to ask a divorce attorney and how to prepare for that meeting.

  1. Consult with a Smart Money Person

Most often this is a financial advisor, but maybe your sister is an accountant and can help you determine which financial choices would be the wisest for you long term? Getting good financial feedback is not the work of a divorce lawyer, although your lawyer will have a legal perspective. A financial advisor will help you get clear on the financial picture and save you potential pitfalls. One of the goals of the divorce procedure is to have an equitable distribution of all your debts and marital assets. For you to get a fair share during your divorce financial settlement, it’s crucial to attain guidance on assessing your finances beforehand and to do projections for the future as an independent woman. Learning what you own and what you owe as a married couple is step 1.

  1. Connect with the ‘Good Ones’ in Your Support Network

Boundaries are important when you are going through a life crisis like divorce. You must be careful in whom you’re confiding in because most people, well-intentioned or not, are simply not trained in the divorce process or its recovery. Consider your inner circle. Who can you truly count on for support? Who reminds you of your best self? Who’s going to help you now and not judge you? Nurture those people, stay connected to them, and block others. Divorce is not a good time to go it alone. Having a safe place to vent, like a divorce support group, allows you to be more pulled together when you are looking at the financial and legal angles of the divorce.

Conclusion

Divorce is a life challenge few of us ever prepare for. It’s tough and, even in the least conflicted scenarios, requires a sensible game plan for you to healthily manage yourself and your expectations. Before filing for divorce, taking time to consult with the right professionals and to create the best plan will serve you greatly in the long term.

If you read the above six suggestions, you may find yourself saying, “Wow, I can’t even pull the money together to meet with an attorney let alone consider those other professionals!” If this is the case, then you owe yourself at least a legal consultation. The truth is you cannot afford to give away things you don’t know about. Contact your city or state bar and look for their lawyer referral lines. These resources often provide for lawyers who will give you a discounted or free consultation.

A legal consultation, ladies, is a minimum you should do before filing for divorce.

 

Since 2012, SAS for Women has been dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers six FREE months of email coaching, action plans, checklists, and support strategies for you and your precious future. Join our tribe and stay connected.

Why Women Initiate Divorce More Than Men

7 Reasons Why Women Initiate Divorce More Than Men

The wedding-day fantasy seems to be infused into almost every girl’s DNA. Fairy tales nurture it, movies exaggerate it, and shows like Say Yes to the Dress and Four Weddings flat-out exploit it. So it may come as a surprise that women initiate divorce more than men.

Perhaps you’re thinking it’s the hype of the wedding and not the marriage that makes women initiate divorce 69% of the time compared to men. They have a lifetime of dreaming and planning, then boom, babies, bills, and boredom.

But interestingly, the initiative is pretty equally split in non-marital relationships. This suggests that there is “something” about marriage that contributes to the statistical imbalance.

So what is it about tying the knot that pushes women to make a decision that often doesn’t fare in their favor? Women, after all, statistically struggle more than men with finances and lifestyle maintenance after divorce.

And, if they have spent years out of the workforce in order to raise children, they leave their marriages at a disadvantage.

Moreover, they rarely recover fully.

The reasons for which women initiate divorce are not formulaic or limited to those discussed here. But they do tend to fall under some broad categories of dissatisfaction.

Here are 7 reasons why women initiate divorce more often than men. See if any of them hit home for you.

 

  1. Women have high and complex expectations about marriage, and those get dashed.

    Today’s bride-to-be isn’t registering for aprons and cookbooks. She expects an egalitarian relationship with shared responsibilities and benefits not predicated on colonial gender roles. Chances are that she is employed or on a focused career path. So, she is making a contribution to the family that was once the sole responsibility of the husband.

    Women today expect more. They want emotional intimacy, communication, personal growth, and shared responsibility.

    When marriage starts to feel more like wash-rinse-repeat than the promised pursuit of dreams, disenchantment can creep in and take over. Once this tension sets in, women are more likely to feel its effects. Thus, women initiate divorce more often when this contradiction arises.

  2. Equality isn’t all that “equal.”

    Change may be the only thing constant in life. But that doesn’t mean it happens cleanly or logically. In the span of a handful of decades, the role of women in society has changed exponentially. Women are equally in the workforce, earning degrees, and taking on roles of tremendous power and influence. Women are notorious for braving the front lines of initiative and necessary change. Society and entities content with the status quo, however, aren’t always so quick to follow suit.

    Technology, media, education, and a shrinking world continue to expose the always-present powers and potential of women. And yet, acceptance of those traits doesn’t seem to have caught up with married and family life.

    Despite working outside the home just like their husbands, married women still do the majority of childcare and housework. So, while blazing new trails in the world at large, they are finding themselves stuck in traditional expectations at home.

    And many women are finding that this dynamic is holding them back in life. They are capable of and yearning to do so much more. But something has to give.

    Unfortunately, divorce in transformational times is another barrier that women are having to overcome. Equality, it seems, is ahead of its time.

  3. Women are still the emotional caregivers.

    Some things, like a woman’s proclivity for emotional expression and intuition, are a reflection of natural traits. But neither gender has a corner on the market of any natural leaning, especially when choice and effort can enrich it. And yet, when it comes to being sensitive, and responsive to the emotional needs of a family, the expectation still usually falls to the wife or mother. Men may have an inclination to be less emotive and communicative, but they can and often do exploit the stereotype. The weight left on the woman’s shoulders, then, becomes extremely heavy and draining over time. This weight may cause women to initiate divorce long before their spouses.

    It also contributes to women being held back by marriage, as there is often so little energy left for themselves.

  4. Women are more inclined to reach out for support.

    Perhaps it’s because they have so much on their plate (and always have) that women have a knack for building community. Compared to men, they are far more likely to reach out for support. While the voices of wisdom and support may advise a woman to live her best life, men are more likely to stay stuck. Conservatism and emotional closure contribute to their choice to stay in a marriage, regardless of its dysfunction.

  5. Women are getting more educated.

    In the based-on-a-true-story movie Dangerous Beauty, the Venetian courtesan Veronica Franco proves to be more than just beautiful. She learns that courtesans are the only women given access to libraries and education, and she devours the opportunity. In one simple statement to the wives of Venice, she makes the power of that distinction clear: “A woman’s greatest and most hard-won asset is an education.” Five-hundred years later, there is still truth in her words. Women are now leading the graduation rates for both undergraduate and graduate degrees. And college-educated women initiate divorce 90% of the time, compared to 69% for women overall. Yet another testament to the role education and exposure to “what’s out there” have on women stepping into their full potential.

  6. Women have more opportunities today.

    It’s almost surreal to look back on the roles of women in history. Misguided theories, restrictive laws, and male-dominated societies have all conspired to build walls that women are still breaking down. And yet, for all the opportunities and glimpses of equality that women in America have, women in many nations are still living in a dark history. We have only to look at the patriarchal systems of the Middle East to know that one woman’s journey may be world’s away from another woman’s journey.

  7. Women often have nothing more to lose.

    Sometimes being the underdog has its advantages. If a woman is being repressed, mistreated, abused, or neglected in a marriage, she may see no risk in leaving. The greater risk may come from staying. This “nothing left to lose” mindset can be energizing and may literally propel a woman upward.

When you consider all that women have had to overcome throughout history, it’s natural to marvel at their strength and tenacity.

The fact that, in our modern era, women initiate divorce more than men comes with and because of conflicting messages.

On the one hand, women are taking the blinders off and shielding themselves with their own power instead of fear.

On the other hand, sometimes the rest of the world isn’t ready for what can be… and should be.

Notes

Since 2012, SAS for Women has been dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers six FREE months of email coaching, action plans, checklists, and support strategies for you and your precious future. Join our tribe and stay connected.

Divorce Financial Settlement

What is a Divorce Financial Settlement?

A divorce financial settlement is the agreement or order directing how assets and debts are to be divided between the parties in a divorce. As such, it is part of the larger divorce settlement agreement. Most divorce financial settlements will involve dividing the entire estate equally 50/50; however, there are certain times when it is more equitable to have one spouse receive more assets or less debt depending on childcare, current salaries, and other factors. Generally, being informed and having open communication with your soon to be Ex will lessen the tension and hopefully lead to an amicable settlement across the board.

However, reaching an agreement can be complicated, with hundreds of questions about attorneys, consultation, and the tornado of paperwork that separating brings. How do you ensure that your financial settlement benefits you? How do you know that your lawyer is really working in your best interests? With all of these concerns, it’s no wonder why Psychology Today links divorce stress to physical health problems.

As a woman, your primary focus should be ensuring that you achieve the best business transaction for you–that you and your children are set up for healthy living after the split. To that end, here are some answers and general advice about how best to go about a divorce financial settlement.

Should You Settle Before or After the Parenting Agreement?

Ideally, it is best to figure out your budget first, parenting time second, and then settle the financial agreement third. To do this, sit down with a financial advisor and outline your monthly budget to determine what you need to make sure you can live as comfortably as possible. Understand that you will have to compromise. Most likely, you will not have the same standard of living you experienced while married. At the very least, you’ll need to make sure you have enough to cover your bills and essentials.

From there, calculate how much it would cost to clothe, feed, and house each of your children. You will need to factor in how much you will be receiving or paying in child support.

When determining your budget, remember to factor in hidden costs. Ask your financial advisor about inflation and taxes to make sure every expense is accounted for.

Answering these questions first will make it much easier when discussing the parenting agreement or the financial agreement. By having all your answers ready ahead of time, you will be prepared for every question thrown at you. It will also ensure you are not agreeing to things that may cost you more down the road.

How to Make Sure Your Divorce Financial Settlement is in Your Interest

It can be hard to divide finances evenly when there is an obvious bias between you and your Ex. Maybe you’re a Stay-at-Home-Mom or the primary breadwinner in your marriage. Hiring an attorney to negotiate helps ensure you get what is rightfully owed to you, or that you are not overpaying.

You need to be honest about everything financial. Armed with the budget you outlined before, be prepared to express your needs and be open about what you can compromise on. Sharing this with your lawyer will help you and your lawyer to come to the table with all the facts laid out; this is the best way to ensure you have financial security after the separation.

If you are concerned your partner is not telling the truth about their finances (he* wouldn’t be the first!) then a divorce lawyer can help. Leave the investigating to them. You need to focus on yourself and your needs right now.

When offered a document, it’s important to remember this rule of thumb as your creed: you will have to compromise. If it sounds like you are not compromising, then it is too good to be true.

Whom to Consult Before Submitting A Settlement to the Other Side

After consulting with the financial advisor to determine your budget, you need to sit down with a divorce lawyer to figure out your best course of action. Make sure to bring your budget calculations, tax returns, pay stubs, any prenuptial or separation agreements.

If you have any other legal documentation involving your children or Ex, such as a court case, bring that paperwork too. Your lawyer needs all the information they can get.

Once you bring everything to your lawyer, you need to see what exactly your lawyer can do for you. Their job is not to punish your Ex or go for revenge: they are advocating for you. You want a lawyer who is competent and experienced at their job, and you can ensure this by how they answer the following questions:

  • How many divorce cases have you handled?
  • How did you handle those divorce cases?
  • What is your fee structure?
  • What is the best method of communicating in the future?

If your lawyer stumbles, stutters, or does not have an answer to these questions, you may want to consult other legal counsel. (For more savvy questions to ask a divorce attorney, visit here.)

Divorce Financial Settlement Must-Knows

Just like how you have questions you need to ask your lawyer, you also have questions you need to ask yourself.

  • What do you own? See if you are listed as the owner of your car, home, and other assets. Noting what you brought into the marriage could keep your Ex from claiming it.
  • What do they own? If your spouse is eligible for social security benefits, insurance payouts, or a pension plan, you may have a claim to them.
  • What do you both own? You need to factor any jointly owned assets into the final agreement. Dividing 50/50 does not always mean fair.
  • What about taxes? If you have to choose one government agency not to mess with, choose the IRS. Consulting a tax accountant will save you lots of money.

Above all, try to be as objective as possible. This is an emotional time, but money does not cry. Finding a safe space for your emotional outlet (a therapist, a coach) will honor your heart and feelings while your brain must focus on the best business transaction for you. Encouraging your brain to stick to the facts will ensure that you come out the other side prepared for the single life.

Notes

Jeanette Soltys is a Partner and Divorce Attorney at Atlanta Divorce Law Group in Alpharetta, Georgia. A passion for wanting to help children and families seeking their happily ever after led her to pursue her Juris Doctorate from Wake Forest University School of Law. Visit Jeanette Soltys’ website to learn more about her, her law firm, and the services her team offers to families.

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing aftermath. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

*At SAS, we support same-sex marriages. For the sake of simplicity, however, we may refer to your spouse as “he” or “husband.”

Divorce survival strategies

35 Divorce Survival Strategies & Insights from Divorced Women

Divorce: it’s one of the most isolating, unraveling, confusing experiences you can go through. And the fact that millions of women have survived it or are going through it alongside you doesn’t make you feel less alone. But what if you could tap into the divorce survival strategies of these women? What if you could fortify your journey with the insight of those who have already traveled theirs?

In an effort to “help women help women,” we sent out a survey to 36 women who have survived divorce. We asked each woman to share her most important piece of advice for other women contemplating or going through a divorce.

Some of these divorce survival strategies will hit home for you. Some may even surprise you.

But all will give you experiential wisdom to contemplate as you navigate your path forward.

Hopefully, you will also recognize the desire and willingness of women to help hold each other up through the tough times.

That’s what SAS for Women is all about: support AND solutions for women.

And the contributors to this survey all carry that compassionate, supportive tribal gene.

They’ve been where you are—through every stage of it. And they want to help spare you any unnecessary pain they can. We know that when you’re in crisis you have limited bandwidth and need to hear the most important messages clearly distilled.

These are the things you must take in! Depending on where you are in your journey—thinking about divorce, in the throes of it, coming out of it—see if you can connect with at least one quote from each section.

Important things to remember before, during, and after divorce:

  1. “You deserve to be treated with respect, to be told the truth, and to live without fear in your marriage.
  2. “Do not ever lose your self-respect.”
  3. “Trust yourself.”
  4. “You are valuable and deserve to live the life you choose.”
  5. “You are right, and you deserve to be happy. Listen to your gut and then create a coalition of support.
  6. “Get organized, and take practical steps from the beginning.”
  7. Get affairs in order prior to filing.”
  8. “Find housing and get rid of belongings as best you can ahead of time.”
  9. “Remember while you are going through it, he* is no longer your partner, ally, or trusted friend. Verify everything.

If you are in the thinking stage, you may be sitting on the fence between leaving and saving your marriage.

You are not alone and no, you don’t have a monopoly on feeling crazy. These women have been there, too. So, which one of these divorce survival strategies stands out to you as a must-do if you are serious, too, about breaking the cycle of living in the crazy zone?

  1. “Don’t think about it for years. If there are problems, put in the work to resolve them or get out.
  2. “Get counseling and focus on yourself first.
  3. “Participate in Christian marital counseling before filing.”

(*SAS note: A religious approach to counseling may or may not be what you seek. If not, consider discernment counseling to find out if there is any hope left in your marriage.)

  1. “Make sure you gave your all to save your marriage so you won’t regret the decision you made to divorce.”
  2. “Arm yourself with information. I think I waited so long to say I wanted a divorce because I didn’t think I could financially make the break or raise my child on my own. The pre-divorce class I did helped so much to give me the validation and confidence I needed. Podcasts helped, too!”
  3. “Think about what’s best for you and your life. You deserve that.”
  4. “Just rip the bandage off and leave. Don’t sit with the unhappiness.”

Ahh, the finances….

Women statistically suffer financially more than men during and after divorce.

This area may be uncomfortable for you, especially if you weren’t in charge of the finances or didn’t work outside the home.

But there’s a reason that 20% of the respondents focused their divorce survival strategies on finances.

Please pay close attention to this section. The antsier a piece of advice makes you feel, the more relevant it probably is.

  1. “Be savvy about the finances.”
  2. “Be on top of your financial situation.”
  3. “Sort out your finances carefully and thoroughly. Make lists and tick them off.”
  4. “Make sure you have the financial means to get a divorce.”
  5. “Have enough money to survive for a year.”
  6. “Prepare financially if you can. If you can mitigate daily financial pressure, you can work on recovering after divorce.”
  7. “Never lie about the finances.”

Take care of YOU and get support!

Women have a hard time thinking about themselves first, or at all. More often, we put everyone else (the kids, our spouse, the dog, the work projects, the volunteer commitments) in front of our own needs. And yet if we don’t take care of ourselves, we are of no value to those we love. This is why it’s so important to have support, to remind you that you matter and that you deserve to honor your one precious life. Sometimes we need our friends or support team to remind us of our own value or to give us a smack and, to paraphrase Cher in Moonstruck, say “Snap out of it!” Whether you’re standing on the other side of divorce (or in a marriage you worked to save), you’ll recognize the lifeline that supports you once you have it. You’ll find it makes all the difference in the world.

  1. “Spend as much money as you need to create a support team. It’s worth every penny.”
  2. “Identify your mentor or coach. And don’t talk to everyone about your situation. Not everyone deserves to hear the gritty details.”
  3. “Find a support community. My Pals (short for Palomas) are my lifeline.”

Understand your feelings will ebb and flow.

Grief is a natural part of divorce. But all your other emotions (guilt, anger, sadness, hope, rejection, smallness, etc) will run the gamut, too, and not always in a predictable order.

  1. “Prepare your heart.”
  2. “Prepare for loneliness.”
  3. “Be prepared for the emotional swings.”
  4. “Go with your gut feelings.”
  5. “You will find a way, because you deserve to be happy.”

Look for the big picture, and stay committed to your future.

Be realistic about the challenges of divorce. But, just as importantly, be confident in your ability to overcome them. You have encountered difficult times before. Remember? There’s a survivor in you, and behind her is a champion.

  1. “Divorce is a long, yet worthwhile process.”
  2. “Be strong. Have the big picture in mind, and time will heal you.”
  3. Be happy no matter the outcome. Second-guessing once it’s over will only stress you out.”
  4. “Make the pain of tearing your family apart worth it. Don’t squander your second chance. Don’t be afraid to make your life meaningful, and don’t be afraid to connect with people again.”

In the vibe of saving the best for last, there’s one final point sent by one of the women:

36. Bonus! You will survive!

(And, just in case you need a little energy behind that mantra, Gloria Gaynor has you covered.)

Have a piece of wisdom or a divorce survival strategy to share with the SAS tribe? We invite you to share what’s gotten you through tough times in the comment box below. Why? Because we know firsthand, amazing things happen when women share with and support each other. 

 

Notes

Whether you are navigating the experience of divorce or that confusing place of recreating the life you deserve, one thing we see making a significant difference for women is the conscious choice to not do it alone. Since 2012, smart women around the world have chosen SAS for Women to partner with them through the emotional, financial, and often complicated experience of divorce and reinvention. 

SAS offers six FREE months of email coaching, action plans, checklists, and support strategies for you and your future. Join our tribe and stay connected.

*SAS supports same-sex marriage. For the sake of clarity and simplicity, we may refer to your spouse as “he” in this article.

Tips for Amicable Divorce

Top 6 Tips for an Amicable Divorce

In the minds of many people, divorce and court trials are inseparable like smoke and fire. A few decades ago, this was the case. Fortunately, there are other options nowadays, namely an amicable divorce, where married couples don’t have to wage war against each other in court.

After the adoption of the no-fault divorce law in 1970, the divorce rate skyrocketed. A 2019 University of Virginia research report revealed approximately 3 divorces per 1,000 married women in the 1960s. In the 70s, this figure rose to 4.5, and 5.5 in the 80s.

These results suggest that divorce was increasingly viewed as a viable option for women; they were feeling more empowered, making more money, and feeling like they had more choices.  In the latter scenario, these divorces can likely be uncontested or amicable.

What is an amicable divorce?

An amicable divorce is not about being best friends with your (soon-to-be) Ex and liking each other. You wouldn’t consider divorce in the first place if your relationship was a loving one.

In the context of ending your marriage, “amicable” means “civilized.” It’s about resolving disputes in a nurturing and productive environment.

A peaceful divorce is actually not that hard to get to if both sides are willing to make an effort. You’ve probably heard of Conscious Uncoupling, for example, or divorce mediation, or Pro Se (DIY) divorces. To learn if one of these alternative processes is right for you, consider these six key steps to ensure a smooth and amicable process–and don’t forget to ask yourself: are you and your spouse capable of them?

1. Have an open mind for negotiation

Honesty and openness are the foundation of a successful negotiation. If one of the parties starts hiding valuable information, assets, income, etc., it’s not going to work. Agree from the very beginning to be truthful about all the aspects of your divorce. Otherwise, all your efforts will be pointless.

SAS note to women: It’s one thing to say you both will be honest, it’s another to know that you both will be. If your spouse has a record of deceiving, betraying or hiding things from you, go for a more traditional approach to divorce. Hire a lawyer who is a good negotiator on your behalf.

Naturally, in any divorce, neither of you will get precisely what you desire. Don’t expect your spouse to agree with everything you suggest just because you think it’s reasonable. Sometimes their point of view may differ from yours, and you’ll have to accept that.

During negotiations, the most vital thing is to stay focused on the key points that hold the most significant interest to both of you. How much money would you need to meet your needs after divorce adequately? Could your spouse (or you) afford to pay alimony (spousal support) and child support? You and your partner need to carefully approach all the details together and make a joint decision. That’s the essence of peaceful negotiations, right?

2. Focus on the desirable result.

Can you remember why you got married in the first place? You were in love and full of hope to walk hand in hand through life until death separates you. Unfortunately, not all of us can reach that distant goal.

Nothing has changed since then except that your goals are now different. Have you already determined what you really want from this divorce? If not, it’s high time to start figuring it out. But if you know where you’re heading, don’t let negative emotions lead you astray.

An amicable divorce is all about attitude. Reduce the tension to a minimum, and keep your eyes on your goal.

Take time to ponder over your life post-divorce. Do you see your Ex in it? After an amicable divorce, many couples remain friends and even sometimes spend time with their children as a family unit. You must agree that such a scenario is more pleasant than fighting endlessly over all sorts of things.

Act based on what is paramount to you and ignore everything else. Work through any disputes peacefully and make sure your communication is positive.

3. Treat each other with respect.

An uncontested divorce is only possible with mutual respect and politeness. Both you and your spouse are adults and can behave accordingly. It’s not as challenging as you might expect.

Start with getting into a positive state of mind and remain focused on keeping calm. Also, listen attentively to your spouse and contemplate their suggestions. Don’t let your emotions take over.

Whenever you feel like losing it to anger, take a deep breath and pause before saying or doing anything. Consider the consequences in the long run–will your current action improve the situation in any way? If not, give it up. Neither you nor your spouse will win if you keep insulting each other instead of resolving disputes.

Show civilized behavior. Don’t badmouth your partner in front of your children and relatives. And especially, don’t gossip about them on social media. You’ll only entertain the public and receive even more negative feelings back. Such actions also won’t help you to maintain an amicable divorce.

4. Think about your children’s needs.

Divorce affects everyone in your family, and especially children. They are very sensitive to any changes in mood and attitude between their parents. Remember yourself in childhood and what acute sensations of the surrounding world you had.

Now imagine how terrifying it is for a child to go through a family breakup. You don’t want to aggravate the situation even more by fighting with the other parent, do you? On the contrary, you want to protect your children and make them feel loved by both you and your ex.

Learn to trust yourself to be a good parent. The same goes for your partner. It’s time to loosen your grip and stop controlling everything and everyone around. Every good parent brings up their children with a position of love and a wish to make their lives happy. You will never be able to communicate well with your ex if you do not trust them with raising children.

And since we have touched on the issue of healthy communication, children need to see their parents find common ground and behave in a civilized manner whenever they meet. It can make a huge difference in a child’s emotional health.

5. Get an educational consultation with an attorney: don’t rush to hire one.

You cannot become your own divorce lawyer fast enough, despite what Google makes you believe. If you are thinking about divorce, and especially if you have children, assets, and/or debt, we encourage you to draw up your questions and consult with an attorney to hear what the law says about your circumstances. Do this before you commit to “how” you will divorce, or even, “if” you will divorce.

After you are informed about the law, you can decide if you will pursue DIY divorce, mediation, an online divorce, or a more traditional approach of you hiring an attorney and your spouse doing likewise.

Consulting with an attorney does not mean you are necessarily getting divorced. It also does not mean you are seeking to be adversarial or un-“amicable.” It means you as a woman are getting educated on your rights and what you are entitled to before you act.

It’s good practice to consult with other experts, too. For example, you may want to keep the house but need to learn if it’s really in your best financial interest. Consult with a financial advisor to learn the optimal longterm play for you (and don’t rely on an attorney for this.) You might consult with a parenting expert if you have concerns on what the best custody arrangement will be or how to support your kids through the divorce. Throughout the process, you might recognize that you are feeling overwhelmed and need to get strategic and healthy in your approach to all things “divorce”, in which case your best move is to schedule a free consult with a divorce coach.

The Legal Takeaway

Keep in mind that in divorce, you won’t always get what you want. The ability to find compromises is what makes a divorce amicable. On the bright side, you will be able to control the outcome by at least 50%. If you go to court, you will have to surrender to the will of the judge.

Do you trust absolute strangers to decide your fate, or do you prefer to do it yourself? Get informed, double check information, and choose wisely. It’s you and your children who will have to live with the consequences, not the lawyers and judges.

6. Forgive and forget.

You probably think, “How can I forget all those times when I was wronged during my marriage? And why should I? Now, I want justice.” Well, guess what? Such an attitude will bring you nothing but more suffering.

There are no winners in divorce. And you won’t feel any better if you keep blaming your marriage breakdown on your partner. Be wiser than that. Does a butterfly think about the time it was a caterpillar? No, it spreads its wings and flies. So, instead of focusing on your past and arguing over it, choose to take action to help yourself recover and move forward. 

Learn how to help yourself grieve the losses you experience, choose to live in the present, and plan for the upcoming future.

Is it worth the try?

An amicable divorce is a conscious choice. It can’t be involuntary, and it doesn’t work for everybody. You have to decide for yourself what type of separation you want and stick to it. Just keep in mind that no matter what method you choose, going down the hateful path only brings more negative feelings into your life. There is always a way to go about any situation productively. You can choose less stress and fewer expenses with a more positive experience by opting for an amicable process.

Jamie Kurtz is a divorce attorney and a member of the State Bar of California. She’s a co-founder of a law company helping people with uncontested divorces and a contributing writer for OnlineDivorce.com, a web-based service for divorce papers preparation.

Since 2012, SAS for Women is entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers women six FREE months of email coaching, action plans, checklists and support strategies for you, and your future. Join our tribe and stay connected.

Best Divorce Help

The Best Divorce Help Centers on These 4 Things

The mere prospect of divorce can be overwhelming, lonely, isolating, and confusing. And figuring out where to get the best divorce help, regardless of whether and when you decide, can be daunting.

Sometimes the most difficult part of a task is simply getting started. And that’s especially true with something as life-altering as ending a marriage.

Where do you even begin?

How do you strategize the pragmatics while navigating all the messy emotions and relationship issues?

Do you explore the process of divorce on your own, or share your thoughts with your spouse?

Do you separate or stay in the same home?

What about the kids? What about income?

What about…? What if…? How? When? Who?

You may be nagged by your inner voice telling you that something isn’t right. Something hasn’t been right for a long time. You can’t live like this anymore, but you don’t know what to do about it.

And so the clock ticks and the calendar pages turn…

And then you finally reach a fork in the road. You realize you have been overthinking leaving your husband, but haven’t taken any action. And you can’t keep living this way.

At the very least, it’s time to get answers, even if those answers lead you to stay in your marriage.

No matter what the outcome of your exploration is, the only way to deal with your fears is to move through them.

There are so many aspects of divorce, and no one but a divorce attorney goes into marriage well-versed in them.

What’s important to remember from the start of your journey is that divorce is a whole-life, whole-person experience. The approach to it, therefore, needs to be just as holistic.

We frequently discuss the transactional nature of divorce on this site, primarily as a caution not to lead or make decisions from your emotional place. Too often, women will back down when it comes to finances and assets, or they don’t think ahead to the future. This is an area, for example, that warrants a compartmentalizing of thought, emotion, and action.

But emotions are a huge component of both marriage and divorce. And they need to be acknowledged, dealt with, and supported, too.

For purposes of this article, we’re going to focus on four main areas of your well-being as you think about or begin divorce.

The smartest approach is the village approach. It involves strategizing the various areas affected by divorce and finding the best help, advice, and support possible for each area.

In essence, your first job in thinking through divorce is to build your village, your trusted circle of experts, friends, and support.

There are four common categories of support that you may require:

1. Clarity and Encouragement

It’s important to remember to think in terms of the big picture. Who has the familiarity, expertise, personal experience, and resources to guide and support you through this?

Perhaps you have a sister or best friend who has gone through the divorce process. She can be a tremendous source of comfort and been-there-done-that support.

You will also want to include expert professional help that can bring objectivity and strategic guidance to the table.

There are therapists who specialize in marriage and divorce issues. Finding one early in the process can be an emotional and procedural anchor for you, even after a divorce.

Some of the best divorce help you will find is from a divorce coach.

You may not have even known that profession existed. However, a divorce coach could be your greatest asset while navigating a divorce or a legal separation.

A divorce coach knows the process from start to finish. And a big part of her job is pointing you in the right direction at each stage of the process, based on your specific story and needs.

She will have access to resources you may not otherwise know you need. She will have experience working with other professionals in the area of divorce. And she will be able to steer you toward quality divorce help.

Think of a divorce coach as the ultimate guide and concierge for your varied divorce needs. A divorce coach had perspective, knowledge, resources, guidance, and support, all bundled into one person.

If you can’t afford to work one-on-one with a professional at this time, consider joining a group coaching program. You will not only receive guidance, but also you’ll receive support in the context of camaraderie with others going through the same process.

2. Emotional Stability

Sometimes the best divorce help is right inside you.

Your emotions are messengers, loaded with information that can lend insight and direction to your decisions.

I mentioned earlier that we often talk about separating your emotions from certain decisions. In no way does that mean that you should disregard or sacrifice your emotions.

Finding emotional support during the divorce process is of paramount importance.

You will need a place to “let go”—to vent, cry, stomp, question, and speak freely. You will also need safety and the assurance of like-minded, compassionate people who can help you discern the messages in your emotions.

All that fear, self-doubt, anger, sadness, grief, worry, exhaustion—you’re not the first to experience that cauldron of emotion. And you won’t be the last.

Sometimes the people you turn to for clarity and support—fellow divorcees, a counselor, coach, or support group—can help prop you up emotionally.

There is also an element of emotional stability that is often overlooked.

Self-care and good survival skills have never been more important than at this time.

We hear certain advice so often that we become numb to it, but now is the time to listen. Get plenty of sleep. Eat nutritious foods. Have a self-care routine. Exercise. Get out into nature. Meditate. Pray. Have a hobby. Create. All of these bits of advice are common for an important reason: they work!

The divorce itself, involved and exhausting as it is, is just the beginning of your new life. We need you healthy, strong, and encouraged for the journey ahead!

3. Legal Options

The time to have a legal consultation with a divorce attorney is before you tell your husband you want a divorce. And, regardless of your intended style of divorce (e.g. DIY, mediation, uncontested, contested, collaborative, etc), it is always best to have a legal consultation first.

If, however, you find yourself on the receiving end of divorce papers, you will want to find an attorney immediately for an understanding of what you should and should not be doing. This is where a divorce coach can be a diamond on a rough path.

Every state has its own divorce laws and procedures, and a divorce attorney will spell those out for you.

He or she will also walk you through the best- and worst-case scenario so you can be prepared and put yourself at the best advantage.

Whatever you do, don’t rely on Google for your legal advice! Sure, you can do some cursory research to generate questions and gain general familiarity about divorce laws in your state (alimony or custody laws, for example). But learn what the law says about your circumstances, and what you should optimize, from a lawyer who is looking at the details of your marriage.

4. Financial Choices

Yes, your divorce attorney can walk you through all the legal steps and their possible outcomes. But a huge part of any divorce is the division of assets. And that can get messy, depending on the length of the marriage and its accumulated investments and assets. Having a smart financial expert as part of your “village” is absolutely essential.

As a woman, you can’t afford to not find out what would be the best LONG-TERM plays for you because research says it’s harder economically for women after divorce compared to men.

So, don’t rush to get through the negotiation just because you want to be done. Be sure to learn what your must-haves are.

A good financial advisor (meaning one who has been in the business for more than 15 years and has seen various markets come and go) will be able to tell you about what’s in your interest in the near and LONG run. For this, SAS for Women adores Ronit Rogoszinski at Women + Wealth Solutions because she speaks plainly, educates, and clearly understands what women go through when they divorce. (And no, SAS received no “kick backs” from Ronit. We share her name openly because she’s impressed us with her service to our diverse — both, economically and geographically — female clients.)

Divorce is something no one needs to tackle alone. There is help available in every area of this painful (but liberating) journey—emotional, legal, financial, parental, etc.

The best divorce help starts at the center and works its way out. Establish your core supporters and allow them to help you expand your village from there.

By making a few wise choices at the foot of your journey, you may very well create a support system that sees you through life.

Notes

Since 2012, SAS for Women has been entirely dedicated to the unexpected challenges women face while considering a divorce and navigating the divorce experience and its confusing afterward. SAS offers six FREE months of email coaching, action plans, checklists, and support strategies for you and your future. Join our tribe and stay connected.

Life after divorce

How to Overcome the 6 Hardest Things About Life After Divorce

People talk a lot about what it’s like to get a divorce, but those conversations don’t often extend to what life after divorce is like. Because, unless you’ve been divorced, you don’t quite get what this next phase is really all about.

During divorce, there’s a certain process: you have items to research, things to get educated about, decisions to make, meetings to attend, paperwork to file, and on and on—all of which are black and white steps you had to take to complete the business transaction of “dissolving” your marriage. And while those steps felt overwhelming, frightening, and generally all over the place (you may be or have been sad, in shock, mad as hell, disappointed, betrayed, in denial, or numb), the process, nevertheless, had a way of keeping you grounded. You had a goal. To get through a “negotiated” document, sign it, and obtain a divorce.

Now, as you look around in your new life after divorce, your sense of time — and what to do with it — is different. Even if you are struggling and fighting for survival, your mind and heart may be ruminating on the past and on “the who” you will become.

Yes, your life after divorce will be your juiciest stage if you are open to it

This is the “finding yourself” stage, and we urge you to have no shame about it.

Discovering and taking care of yourself will include preparing for what’s coming in your life where possible (implementing best practices that give you structure) and also learning to let go. This stage involves taking time to consider deeply your story so far, what brought you to the end of your marriage/relationship, and the good and bad roles you played.

Discovering who you are can get messy in a different way than where you’ve been. You can’t blame your husband for everything anymore. It’s time to pick up your baggage.

Based on our work coaching women, here are six of the hardest things about life after divorce—and more importantly, what you can do about them to make room for the good stuff. Okay, now deep breath…

1. It’s gone. Your life as you knew it

Sounds obvious, but a few of us are Resistors to Reality, women who spend months (years?) in denial about the fundamental impact divorce will have (or has had) on our lives.

A Resistor to Reality might strive to or blindly maintain the lifestyle she had when married—going on similar vacations, eating out at trendy, higher end restaurants, or placing groceries inside her cart without checking the price or quantity (so accustomed is she to buying “for everybody”). She might be paying the mortgage on an oversized and overpriced home because she either feels she is owed it, can’t face the prospect of change, or doesn’t want a move to “affect the kids.” She might be worried about downscaling for fear she’ll lose her friends or her social standing.

But now we all know, no matter how “amicable” the end of our marriages were, divorce has a way of turning our lives upside down. Divorce will take you outside your comfort zone. Divorce is about change.

Ideally, you started to metabolize these changes during the divorce process, and if you haven’t, your life after divorce is going to be harder—not just materially but psychologically and emotionally. The sooner you come to terms with your new reality the sooner you can adjust, redirect, and start shaping the future you want. Working with a divorce coach –during the divorce process, or as you rebuild your life — will help you understand what you can and cannot do as you actualize your best next chapter.

You may not feel it yet, but inside this vast unknown of Life After Divorce — there is a great, big beautiful life waiting for you.

2. Even when you do your best, your children will feel the effects of divorce

You’re a woman, not a robot. During and after divorce, your emotions may remain scattered, frayed, or short-wired. Everyday decisions may seem insurmountable. You try to be strong, to let it all roll off your back, because you want to be the best mother possible. You want your children to see you stand tall instead of falling apart. But you will have bad days, just like we all do. You slip. You might vent about your Ex to your children. Or they’ll overhear (eavesdrop?) you badmouthing him to a friend or family member in a moment of frustration or desperation.

No matter how old your children are—even if they are adults or not living at home anymore—divorce will impact them. It may affect their outlook and their ability to connect with others, including you and your Ex. Your splitting up will alter holidays and family functions. And although you may feel some closure with your Ex after the divorce document is signed or he’s no longer living in the same house, if you have children, he* will always be in your life.

Divorce may mean communicating with your ex-partner whom you never communicated well with before. You may be dealing with things like support orders and visitations, drop-offs and pick-ups. Your children’s lives will be disrupted, and afterward, each of you will have to figure out how to move forward and create a new life together.

According to the research, you can best support your children (and thus, yourself) through divorce, and life afterward, by being mindful of the ongoing conflict between you and your Ex. Children who suffer the most are those whose parents keep the hostility alive, who don’t aim to try to do things as amicably as possible. It is not, as you might guess, the history of your marriage when you all lived together in the same house, but how you two (you and your spouse) navigate the divorce.

When dealing with your children directly, among the best things you can do is to acknowledge their pain and perspective and not badmouth their father. Listen to them. Understand that while the reasons for your divorce might be obvious to you, they are less so to your children. You can help them feel less confused by being straight and honest and keeping the lines of communication open instead of shutting yourself off from the world. This does not mean treating your kids as an equal (even if they are “old souls” or “smart” or so-called “adults”) but being open about issues surrounding the divorce in an age-appropriate way.

Should you tell your kids you are leaving their dad because he cheated? Because he embezzled money? Because he’s an addict? We urge you not to share the gorier details until you and your children are out of the heat, down the road, when your kids are grown up.

If you wonder how to break the news to your kids, need support parenting as a single woman or coparenting with a challenging Ex, or would even like books that you could read aloud to your children, consider our post on the 35 best books on divorce.

3. Certain friends and family have “disappeared”

Divorce means change and you’re probably feeling this, socially and family-wise. It’s a huge awakening for many of us that friends we thought were so tried and true have disappeared or become mute. It’s as if they fear your divorce might be contagious.

Though we’ve come a long way culturally, lessening the stigma of divorce, meaningful people in our lives might still pick sides—whether they are forced to by your Ex, feel compelled to out of a sense of fierce loyalty, or have a preference to be with the “more fun” or more moneyed-spouse. This hurts. And it not only shocks, but it cuts to the bone, especially if you have little or no friendships outside of those you formed with your Ex during your marriage. You may be feeling bereft as you start off your new life.

When it comes to family, it’s clichéd but true: blood is often thicker than water. You may have had a great relationship with your Ex’s family, for instance. Maybe they’re a big clan and fun and tightknit—and you always had a particular connection with some of them. Getting a divorce, though, can cause them to draw a line and side with their blood relative. The wonderful relationship you had with them is no mas.

In the wake of the space left vacant by others, it’s important for you to touch in with yourself and find new hobbies and interests—this will help you discover new people. Push yourself to get outside so you shift your mindset, to take up an activity you’ve always wanted to but never “had the time” for before, to volunteer or travel. You can even join a support group with other divorced women who understand what you’re going through and who are committed to recreating their lives healthily — with intention — too.

4. An empty house

Coming home after work, making dinner for yourself, eating it alone, and not having someone to share your day with (if you’ve always had that) has a way of making you feel like you have no purpose. This is even the case with divorced women who didn’t have a lot to say to their Ex in the evening hours while married. But somehow watching Jeopardy in silence or a movie you both enjoyed now seems particularly enviable. At least you could hear another person breathing.

If you have children, the silence in your home when they are staying with their dad can be deafening at first. All the sounds children make means lives are being lived, and the emptiness left in their place can leave you feeling lonely and unanchored. Who are you if your children don’t need you?

But know that this is just a phase, new pains that you will overcome. There is a big difference between being alone and being lonely. You may not be able to change the former, but you can change your mindset and decide that you never have to be the latter.

Use this time to reflect, to read, or to enjoy a quiet activity. Maybe you’ll become vegan (ha! Your Ex was such a carnivore!). Or you’ll adopt a dog from the humane society. Or you’ll use this time in the evening to meditate, do yoga, or go to the gym.

This alone time is important to your divorce recovery. You must come to terms with yourself and rediscover who you are before you can rebuild your life in a meaningful way or even show up whole and healed in your next meaningful relationship.

5. The shock of being “replaced”

Your Ex might start dating right after the divorce. He may even begin to date during your divorce proceedings. In either case, this can feel like a punch to the gut. Did he ever really love you? How could he date so quickly? What does she have that you don’t? Even if you wanted the divorce, it’s not easy to keep the green-eyed monster of jealousy at bay when you see or hear that the man you’d thought you’d spend the rest of your life with is hooking up (or more) with someone else. It can feel like torture.

Take heart, it’s not uncommon for many spouses to appear like they are “moving on” immediately after divorce, and some begin to date and sometimes remarry fairly soon. Those who do are often responding to the feelings of loneliness and/or the conventional understanding of what happiness is (to be married). If this is your Ex, he may not be pausing to reflect and heal from what you and he have been through.

The odds that his next relationship will be any happier than yours with him are very low. Very low indeed. He is simply not doing the work you know you must do in the early phases of your life after divorce.

To help lessen your pain, make sure you avoid contact with your Ex when possible, or places that remind you of him for a healthy period of time. Tell your friends (the good ones you still have) that you do not want to be kept au courante to what he is doing socially. It will hurt you. You are trying to look in another direction, with a goal of caring for yourself and nourishing you.

Develop a new daily routine that cultivates you, strengthen bonds with your family and friends, and makes space for you to metabolize all you’ve been through. Which brings us to our critical number 6 on the list. Keep reading.

6. Learning to let go and adapting to the Unknown

When you were married, you had a certain vision of your future. You probably had dreams of how you would retire, where it might be, who your social circles would be, what you would do, and maybe how often your grandchildren would visit. Divorce has changed all that. In your life after divorce, one of the hardest things is accepting that you must let go … let go all the dreams that involved him and, yes, others.

You must grieve and take stock of all the losses you have lived through. And recognize that you may not be grieving your husband so much as you are grieving a way of being and the fantasy that was your marriage.

Letting go means letting go of the idea that we can control everything

Life after divorce can be a painful time—it can also be a crazy time—but it is not a static time. The journey is not over. It’s just reached a particular place where it’s time for you to process your grief and reconnect with you and who you want to be. This is your work now.

After divorce, your canvas is blank. The slate is wiped clean. And as you stare at it, wondering, you might not have a clue what you want to fill it with. But let us assure you, you have no clue the marvelous things awaiting you. The hardest part is just getting started. Dare to discover. Pick up the paintbrush and begin.

Since 2012, smart women around the world have chosen SAS to partner them through the challenging experience of divorce and recreation. Now you can learn the Art of Reinvention post-divorce. Secure female-centered support and wise next steps as you rebuild your life — practically, financially, romantically, smartly — with  Palomas Group, our virtual, post-divorce group coaching class, for women only. To promote sisterhood and protect confidentiality, space is limited.

*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.”

Suing the other woman

Suing the Other Woman

A recent lawsuit in North Carolina has called attention to the presence of “the other woman” as a cause of divorce.

There are only six states left where a woman (or man) can file this kind of lawsuit—the other five being Mississippi, South Dakota, Hawaii, New Mexico and Utah. The legal suit, termed “alienation of affection” and its precedent dates back to the 1800s when women were still considered property. Initially, only men could make such a claim. That right shifted later to married women as well, but most states have repealed the dated laws in part because they were vehicles for revenge, greed, and blackmail. There is also the slipperiness of trying to litigate what makes a good marriage. Even the most practiced lawyer might find that tying the ideals of partnership, commitment, respect, and trust to the pragmatic iron of money is a bit like trying to put the mercury back into the thermometer.

In the case of N.C. residents Elizabeth Clark vs. Adam Clark (U.S. Army Major, Special Forces) and Dr. Kimberly Barrett (U.S. Army Lieutenant Colonel and an ob-gyn at Womack Army Medical Center), the questions of infidelity and revenge include both the plaintiff and defendant. Both Clarks cheated on each other during their marriage, but later renewed their vows and went to marriage counseling. Regarding the issue of revenge, the former Mrs. Clark sought and won punitive damages against Barret for alienation of affection.

Details of The Clark v. Clark Case

The motivation for seeking these damages may have had more to do with child support than revenge, as Major Clark allegedly refused to pay most of it on behalf of the two children the couple had together. In retaliation, Clark posted nude pictures of his now-ex-wife on dating web sites, along with the claim that she had sexually transmitted diseases. Aside from being against the military code of conduct and behavior unbecoming of an officer, these were pictures that Clark had sent to her husband while they were married. He had been the only recipient—the only one, that is, before he made them public and publicly humiliating.

Revenge and punishment make up one aspect of the Clark v. Clark case.

Another is the question of property—begging the question addressed in some articles of whether it is possible to steal a spouse as a thief might steal a car or necklace. Marriage does involve property, but holding to the idea that such lawsuits are not valid from a humanist/feminist perspective because they sustain the antiquated, demeaning idea that the spouses themselves are property is one-dimensional. A more accurate interpretation is that this is far less about property than it is about a spouse violating a contract—that promise to love and cherish that are typically part of the marriage vows.

The Other Woman

It is not the “Other Woman” who made that vow; it is the spouse who is responsible for his (or her) end of that stick.

So why should a spurned wife go after the other woman for punitive damages—an action characterized as simply revenge, just a way to lash out at her for being his new choice?

The spouse breaks the vow; why should the other woman be on the hook for a promise he made? Because, in making the decision to get involved with and pursue a lasting relationship with a married man, the other woman is an agent of that contract violation.


If you are dealing with infidelity, consider reading What to Do With Your Cheating Spouse


She may not have made any promises to the wife of her lover, and she may not have signed a non-compete clause, and he may have cheated with someone else if he hadn’t with her.

But the fact remains: she helped him cheat.

There are grey areas, of course, and love does make things messy with some frequency. Occasionally, the spouse who is being betrayed is venal or toxic or has some other aspect of character that their mate finds unsustainable and unlivable. People are also organic; they change and grow, and the partners who once fit now don’t, and both of you may now fit and feel better with someone else. The other woman may have been one agent of a marriage’s demise, but there are almost certainly others, and it is not often appropriate or healthy to blame her. One could make intellectual and spiritual arguments about the role of the “other” in a marriage.

Professional Implications

Cheating may not be illegal in most cases or most states, but it is a question of ethics–particularly for a woman who took the Hippocratic Oath to “abstain from that which is deleterious or mischievous.” (Technically that does only pertain to patients, though). We may not marry the guy or the gal, but when we mess around with a married person, we help them cheat. Grey areas or not, who took the vow or not, that fact does remain.

In the case of Dr. Kimberly Barrett, not only has she made a high-powered, highly educated career out of facilitating the birth of other women’s families, she sat there in the courtroom and watched her lover denounce the love he told his wife he had for her all along. He said out loud on legal record that he lied to her, and Barrett watched with complicity, so that she could avoid responsibility for her participation in the corrosion of another woman’s marriage.

Apparently, the court agreed that she was culpable. On charges of alienation-of-affection, libel and revenge porn, Clark (a Fayetteville bartender) won $3.2 million from her ex-husband and his (new) wife.

Facing Facts

All grey areas, intellectual and spiritual perspectives and angles aside for the moment, it does make you want to ask, “How dare you?” to both parties, as Annette Benning’s character in the new movie Hope Gap says to that other woman, after her husband of 29 years tells her he is leaving her for his new love.

Not only did Clark cheat on his wife (as have hundreds of thousands of other spouses, male and female, across the globe), he stood up and testified in court that he never loved her, despite telling her throughout their marriage that he did. Barrett and Clark used the defense that Clark never loved his wife; ergo, Barrett wasn’t guilty of despoiling the sanctity of anything. The court disagreed.

To a sharper point than alienation of affection laws, then, perhaps one should give more focus to making illegal and subject to punitive damages the practice of marrying someone and maintaining that marriage under false emotional pretenses.

Notes:

Jennifer Bent is a freelance writer, former print journalist and feature writer living on the West Coast. Nicknamed Verbose at a young age, she loves word craft but has to keep a short leash on her fondness for the profane. Jennifer enjoys compelling content and the liberty to write about interesting contributors and innovative ideas. Connect with Jennifer at verbosej@hotmail.com 

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