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Will She Ask for a Divorce

Do Women Really Ask for a Divorce More Than Men?

On your typical Monday, we ladies huddle around the coffee maker talking about a well-known topic — complaints about our husbands. Some days we complain more than others. But are we serious? Are we really unhappy in our marriages? Would we ever consider the D word and ask for a divorce?

It turns out that women are more interested in divorce than men are. Michael Rosenfeld, an associate professor of sociology at Stanford University, examined data from Stanford’s 2009-2015 How Couples Meet and Stay Together project, a national study of relationships and breakups. Rosenfeld looked at 2,262 adults, ages 19 to 94, who had opposite sex partners in 2009. By 2015, 371 of these people had split up or gotten divorced.

According to the data results, it turns out that men have a lot to worry about if they are a topic of a coffee complaint conversation. Rosenfeld discovered that wives initiated 69 percent of splits, compared to 31 percent of husbands.

Why do women want it more?

I find the results of the project fascinating. Women are less likely to stick around in a relationship that is not satisfying to them. There had to be a bigger story here. Why do women ask for a divorce so frequently and are we inadvertently responsible for the historically high number of broken families?

Every relationship has its owns reasons for breakdown and eventually breaking up. However, a societal shift is putting much more pressure on marriages than ever before. Today’s woman spends more time earning a paycheck outside the home. After a hard day on the job, she comes home to a second shift. On a typical day, 50 percent of women spend time after their full-time job doing chores around the house. Just 20 percent of husbands will do the same.

According to the book, The Changing Rhythms of American Family Life, mothers spend 41 hours caregiving versus 22 hours per week for fathers. Women also cook and clean 10 hours more a week than husband’s do.

If we only focus on working women, the situation is just as depressing. Mothers who work full-time will put in a week and a half’s worth more time on household tasks than their male partners each year. No wonder women feel tired all of the time. I thought it was just because I was getting old!

Real life marriage does not equal gender equality

The modern marriage does not seem so modern after all. The age old uneven power dynamic still persists, leading to lowers levels of marriage satisfaction for women. Rosenfeld maintains that “Women report lower levels (of marriage satisfaction) because they experience marriage as constraining, oppressive, uncomfortable and controlling.” Marriage has not caught up with the gender equality that women expect.

One of the survey participants explained why she asked for a divorce, “I used to be a very happy, optimistic person, and it was like he was starving my soul. I did not like the way that he was treating me.”

Obviously, we cannot know the reason for all of the divorces, however, it is clear that marriages need to adapt and move to a more equal partnership or we will continue to see much higher numbers of divorces initiated by women.

Early in her life, Stacy Francis witnessed how devastating life could be for women who were not empowered through financial education. Her grandmother stayed in an abusive marriage because she did not have the skills to effectively deal with money. That experience changed Stacy’s life and drove her into the finance field.

Stacy is president and CEO of Francis Financial, a fee-only boutique wealth management, financial planning, and divorce financial planning firm, and the founder of Savvy Ladies, a non-profit that has helped over 12,000 women across the spectrum of ages, life experience, and income levels identify their goals, make proactive choices about their finances, and lead richer, more rewarding lives.

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of Divorce.
Take a step to hear what’s possible for you and schedule your free consultation now.

Although SAS periodically features links to and writing by other professionals on the SAS website, SAS for Women® is not responsible for the accuracy or content of that information. As for what is best for you and your future, SAS always recommends you speak to a professional to discuss the particulars of your situation.

6 Ways to Pay for a Divorce

7 Ways to Pay for a Divorce

Would you like to speak to a lawyer but feel you can’t because you don’t know how you’d pay for a divorce?

Does your husband tell you the money in your joint account is “his, because he earned it?”

Do you wonder how you can afford to get a divorce if you aren’t working, because you stayed home to raise the kids?

We spoke with divorce lawyer Daniel Stock about something our clients often face — what it means to be a woman in a relationship who doesn’t feel she has access to money to meet with an attorney, let alone pay for a divorce. The perception that we don’t have money to spend on a consultation can paralyze us from doing anything. We stay stuck, because we see no way out. We see no way out because we are not informed. We asked Daniel to tell us what advice he gives to women who feel they have no options.

How to pay for a divorce

One of the most daunting questions facing women about to go through a divorce is, “How am I going to pay for this?” The answer is closer at hand than you might think. Here are six different ways that you find the money:

1. Use joint money

You may use money in a joint bank account to hire your lawyer. So long as your name is on the account, with certain exceptions, it doesn’t matter if your husband deposited most or all of the money.

2. Use a credit card

Many attorneys accept credit cards. If it is a joint credit card, you and your husband will both be responsible for the amount charged, and at the end of your divorce, a judge may “allocate” the amount of lawyer fees each of you has to pay. Since most credit cards allow you to make monthly payments, you may be able to charge enough to pay your lawyer.*

3. Take out a loan

There are many loan options available ranging from loans against a retirement account to personal loans. If you aren’t sure which is best for you, speak with your financial advisor or SAS for Women.

4. Withdraw money from a savings or retirement account

Many people are reluctant to invade their “nest egg,” with good reason. But remember, if you cannot hire a divorce lawyer to represent you, you stand to lose marital assets that could be a multiple of the amount you spend on his or her fee. Divorce is a time for triage, not penny pinching.

5. Borrow money from friends or relatives

Many divorces are financed by parents who don’t want to see their children suffer in a bad marriage, or worse, a bad divorce. Even if you don’t have the best relationship with your parents, ask them for a reasonable amount of money to pay your attorney – or for the upfront consultation fee. You may also have a close friend who is willing to help you out financially.

6. Know the law on “counsel fees”

In New York, if you are a wife in a divorce who earns less than your husband, the law entitles you to have your husband pay some or all of your lawyer’s fees, otherwise known as “counsel fees.” The tricky part is that the law is not automatic, and, unless your husband voluntarily agrees to pay for your lawyer, (not unheard of but infrequent) you will need a lawyer to file a court document called a “motion” in order to enforce this right. Catch-22! The good news is that the amount of money you need to pay your lawyer up front (known as a retainer) to get him or her started on your case, is not unreasonably high in many cases. You will need to come up with this initial amount to pay your attorney, using one or more of the methods above, until he or she has had time to take legal action that may get your legal fees paid by your spouse.

7. Start saving now

Even if you do not think divorce is happening soon, but you think it may be in your future, start saving now. Often, the seemingly insurmountable task of hiring a divorce lawyer and paying for legal fees will keep you in a place of pain, fear, and dysfunction for far too long. Asking the right questions and learning your rights and what options are available to you are crucial in order to start taking steps toward independence and stability.

Daniel H. Stock, PLLC, with offices located in New York City and Westchester, brings more than 25 years of legal experience to all issues associated with uncontested, collaborative, contested or high net worth divorce. He seeks to reach amicable agreements on matters such as child custody and visitation, child support and alimony, and property division. He favors the kind of outcome that benefits you and your children as you transition to a post-divorce future. However, when discussions are not productive, consensus is not possible and litigation is necessary, he is fully prepared to aggressively protect your rights in court.

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of Divorce.
Take a step to hear what’s possible for you and schedule your free consultation now.

*SAS note: Be aware of interest charged to your credit card if the monthly credit card bill is not paid in full.

Thinking over divorce advice

Divorce Advice from a Woman of a Certain Age

After my divorce, I needed advice, strategies, and moral support to get through the relationship mess that I was living in. I needed to move on but felt I needed divorce advice and support to get there—someone not young but not quite old, from someone like me: a woman of a certain age.

I began the search by looking for a self-help book that would offer me relief. Visiting more than one bookstore, searching online, and checking out the ever-present Saturday morning yard sale for discarded but useful books (I don’t know why I like that genre), I was astounded to find nothing that offered help for the middle-aged woman.

Why is it that no books existed for the middle-aged woman experiencing un-engagement, separation, or divorce? Do writers think that women like us will just muddle through it and move on without any support?

True, middle-aged women are strong, resilient, and feisty, but, as in many other areas of our personal and professional lives, we are often ignored. I had enough. So I decided to write my own story full of tips, strategies, success stories, and divorce advice from middle-aged women who have lived through their own relationship trials and who have come through the experience with their sense of joy and self. These women have survived divorce and healed through their divorce recovery, and are now in a better state than they ever imagined they could be.

How did they do it? Here are a few teasers from my book, The Feisty Woman’s Guide to Surviving Mr. Wonderful: Moving on with Humor, Laughter, and Chutzpah!

Since you seem to ache and feel awful from head to toe, seek out as much divorce advice and as many, varied (no matter how weird that they may sound) types of help that you can stand. You will know when enough is enough.

Seek out a professional

One woman I know sought out a life coach to guide her through this process. Be sure that your coach suits your personality and style. Check out her training and certification. Her life coach, actually, first recommended a 60s “cure” for dealing with the stress of a divorce. This unusual strategy involved a field trip to Colorado and a cleansing ritual, but the woman in question declined. Instead, she chose something more traditional to focus and to calm her nerves: a therapist.

Consider the right professionals who abound these days. Women no longer have to reinvent themselves in the dark. You might consider a divorce coach or therapist who specializes in divorce recovery or life changes. Or even better, an educational divorce support group that teaches you about rebuilding your life and gives you a safe space to discuss divorce advice—with other women! Learning best practices and how to cultivate your confidence, address your fears, and save for retirement will advance your divorce recovery time.

Keep a journal

Many women prefer to write divorce out of their systems. Keeping a diary, just like many of us did as teens, really helped another friend of mine. She wrote whenever anger welled up in her. She wrote and wrote to keep herself from doing harm to her Ex and the new chick in his* life. She filled many books (who wouldn’t?).

When it was time to move on, about a year or so later, she contacted a Native American healer friend to assist her in the journal burning. They both knew that if these journals were ever read by anyone else that it would be bad news, so they set up a time and place for the burning of the journals. She invited a few friends who invited a few friends, and standing around her bonfire, with special added herbs, they freed my friend from her Mr. Was Wonderful and his bad karma. The bonfire has become a yearly ritual sans the bad karma and with the addition of lots of wine.

Keep the right friends around

I was talking at 9 months of age, so this strategy would have worked for me. Talk things out as long as your friends can stand it. But make sure they are the right friends. You need to trust them. They will keep your confidence. They know that you are hurting and want to offer up divorce advice and help you in whatever way they can. Set up talk times so that your words will not interfere with their lives. Do not call after 11 pm or you will both be sleep deprived on top of everything else that you are feeling. You don’t want to lose friends since losing your spouse may be about all that you can handle at this point and isn’t fair to anyone.

You can also talk to yourself, but if you start having a full-on conversation with yourself, you should probably stop immediately. A friend began talking to herself at home, but made the mistake of starting a conversation with herself in the grocery store and, boy, did she ever clear the produce section. She stopped shopping at that store and never went back again.

Your immediate neighborhood has some great people who you may have had limited contact with previously. And while you’ll want to be careful what you tell them if you are still navigating your divorce (you don’t want the information coming back to haunt you), you also never know what potential new friend is close by. After her divorce, a friend of mine found out just how rude her Ex was to a neighbor when she started up a conversation one Sunday afternoon. They became instant friends and remain close today.

Even the unexpected ones

If you are a “hater of children,” maybe try getting over that and make friends with the kids in your neighborhood or building. We’re not past the time when children will pass up the opportunity to mow your lawn or bring in your groceries (for a small fee, of course), but even the power of a friendly wave is not to be underestimated. One friend met her new beau through a neighborhood child. Even if you are not ready for this new man, stranger introductions and lifetime memories with a great guy could be waiting for you.

Volunteer—yes, you

Since you now have some free time on your hands, try volunteering. Someone may need your more than your Ex ever did. One friend volunteered at an animal shelter. Animals offer the best unsolicited affection out there. Dogs are a great judge of character and can make you feel special and loved during a time when you feel very un-special and unloved.

Another friend volunteered at the senior center in her town. She learned new dance steps, how to cheat at cards, and developed a real knack for chess. Still another acquaintance took a jaunt overseas to volunteer in an orphanage. The plight of those children made her look at her divorce in a new light. All of the women mentioned here felt that they became better people because of their volunteering experiences and who doesn’t want that in her life?

Moving forward isn’t about getting just any divorce advice, it’s about getting the right kind for your unique situation. If you, too, are looking for the wisdom of a woman of a certain age, someone who has been in your place before and tried on this particular pair of well-worn shoes, than know that you can find what you’re seeking if you look hard enough. A trusted and smart divorce attorney, therapist, financial advisor, or divorce coach—no matter who you need by your side at this particular moment in your divorce recovery journey, they’re out there.

Guest post by Elizabeth Allen, author of The Feisty Woman’s Guide to Surviving Mr. Wonderful: Moving on with Humor, Laughter, and Chutzpah! a collection of break up stories, including her own. Available on Kindle or paperback through Amazon, Allen’s book is a humorous guide to helping you move through the divorce fiasco so you come out a stronger, more vibrant, confident, powerful, and totally evolved woman.

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.

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.

Woman on the couch ignoring divorce advice for women

Divorce Advice for Women: Get Off the Couch

Despite the never-ending amount of divorce advice out there, the end of a marriage is hard.  Divorce is scary, and there is no one-size-fits-all approach to getting through it. Divorce means the start of a new phase of your life—one that you never planned for.

When understanding takes on a new meaning

My parents were divorced, and I was a second-wife and stepmother for 14 years. On top of that, I have been a family law attorney for 21 years. But even so, none of that prepared me for the roller coaster of emotions that came along with my own divorce. I thought I knew what to expect, and I thought I was prepared. Hadn’t I been dishing out divorce advice to clients for years? Surely if there was an expert, I was it. I was so wrong.

When your marriage splits up, you need to redefine your future, your path, and yourself.  In a marriage, you sacrifice so much of yourself, especially toward the end when all your efforts seem to be failing and you do everything you can to desperately try to save your relationship. In the midst of all that, it’s possible to lose sight of who you are—who you truly are, deep inside.

What makes you happy? What are the things you used to do just for yourself—not for your kids, your husband, or your job but just for you? Is it easy to come up with this list? Can you even remember?

My best divorce advice

My best divorce advice for women is to tell you it is time to focus on you now—to get back to your authentic self. Figure out what makes you happy and where you want your life to go. You have unlimited opportunities now. You have choices. Sure, the path you are on now is not the path that you were on before and it is not the one you expected, but you can redefine your future and you can make it better than before.

Yes, the changes to your finances are scary.  Yes, getting back into the dating world can also another kind of terrifying.  But you can do it.  You are strong, you are fabulous, and you need to get out there and show the world if you ever expect to get anywhere or meet anyone new (friends or lovers).

So, as simple as it sounds: Put away the tissues, and get off the couch. You are amazing, and you have a beautiful, bright future ahead, if only you are brave enough to stop listening to and reading divorce advice and go out there and act on it.

Daryl Weinman is a family law attorney, practicing in the Austin, Texas, area for twenty-one years. A child of divorce, a stepmother for fourteen years, a mother of two teenage boys, and divorced now herself for the past four years, Daryl has seen divorce from most every angle and can truly relate to the emotional struggles of her clients and divorced friends. To leverage her insights and smart, savvy takeaways, read her new book, Post Divorce Journey Back to Yourself available at Barnes & Noble or Amazon.com. Or if you are in the Austin area, or a resident of Texas and would like to consult with Daryl for legal divorce advice, visit here for details.

Although SAS periodically features links to and writing by other professionals on the SAS website, SAS for Women™ is not responsible for the accuracy or content of that information. As for what is best for you and your future, SAS always recommends you speak to a professional to discuss the particulars of your situation.

Listening to divorce advice can save money

Divorce Advice: Lose Your Emotional Attachment to Money

All good divorce advice should acknowledge that there are many parts to breaking up. It would be easier if the end of a marriage could happen in one clean break, of course—if you could go to a doctor, have them reset the bones of your life, and walk away knowing that in X amount of months you could take off the cast and be healed and whole again. But in reality, there’s breaking up legally, physically, emotionally, and financially, to name just a few vital parts of the process. We can’t exactly control how long it will take to make it through to the other side of divorce or who we will be when we get there.

As financial experts who work with women, we know that women, in particular, must recognize that all these parts come into play when divorcing, but at the same time, women must strive to separate them. This is especially true when it comes to money.

You must aim to separate your emotions from your decisions. In fact, you must treat the financial part of your divorce as a business transaction.

Find professional support

But this is easier said than done. A lot of women have anxiety about money precisely because they have an emotional relationship with it. So our first piece of divorce advice is to find support (a coach or therapist who specializes in divorce) to help you learn about your emotions and how they impact your decisions.

A professional can help you learn how to understand, harness, and compartmentalize these emotions. Again, this is particularly important when it comes to money.

Ensure you understand your financial outlook

Our second piece of divorce advice is to work with a financial expert who will take the time to educate you on what your real financial choices are so that five years from now you are in the best financial place you can possibly be in.

The key to managing your money throughout your divorce negotiations and, more importantly, the long-term is to keep your emotions in check as best as possible and focus on looking at your financial FUTURE. A forward-looking focus gives women the greatest chance at getting the best possible divorce settlement. And her best financial settlement will usually avoid spending a lot of money on attorneys and going through a lengthy court process.

You must aim to separate your emotions from your decisions. In fact, you must treat the financial part of your divorce as a business transaction.

The benefits of keeping your emotions in check

One of our clients felt a lot of anger at her husband* when he decided to move out. This ratcheted up further when he did not always live up to his custody obligations, leaving her in a lurch and disappointing their eight-year-old twins. Although their relationship was strained, the couple agreed to try the collaborative divorce process. When giving out divorce advice, I often tell clients this is an excellent and cost effective way to for them to divorce, but it also requires good communication.

Our client worked hard at keeping her emotions in check and the yelling to a minimum. Whenever she needed to speak to her husband about issues, she held her tongue and remained civil. When they hit a tough negotiating bump, trying to work out the amount of child support she would receive and who would pay for the twins’ educational expenses, her relationship with her husband was stable enough so that she called him directly and had a productive conversation.

Our client often shared with us (and her therapist) how difficult and painful each and every interaction with her husband was and how hard it was to keep her emotions in check. Due in large part to her self-control, the negotiations moved along quickly and her financial settlement was equitable. He ended up agreeing to pay a bit more monthly alimony and child support than the guidelines indicated. He also gave her a little more of the joint cash than she expected.

Now six months post-divorce, she has a smile a mile wide. We often use this example he anger and injustice that dominated her thoughts during the process seem like a distant memory, and she relishes the feeling of financial security that comes with winding up with enough money to live a reasonable lifestyle.

The pitfalls of being unable to let go of the past

Contrast this experience with that of another client. She and her husband had a second home in Connecticut where the family spent their summers, and it held special memories for her. When the couple separated, her husband made the Connecticut home his main base, and soon after, his girlfriend moved in. He wanted to buy our client out of her half of the house as part of the settlement. He offered her 10 percent over the market value to move the process along. Angry at him for living there with another woman in seeming bliss, she demanded that the house be sold. She admitted to us that the house had become tainted in her eyes, and she would never want to step foot in it again. But she was determined that he should not get to live there.

We showed her that financially it made no difference whether she received half the value of the house from him as part of the settlement or half the value of the house when it was sold. Unable to let go of her demand despite recognizing the financial reality, she spent the next nine months and tens of thousands of dollars only to have a judge ultimately rule that he could keep the house and pay her half.

The outcome of financial negotiations will dictate what lifestyle a woman will be able to live for years after her divorce. The importance of obtaining the best reasonable financial settlement cannot be emphasized enough. To achieve a good financial outcome requires a cool head and following the divorce advice of professionals who have been in your shoes.

 

Writers, Ellie Lipschitz and Dorian Brown are Certified Divorce Financial Analysts (CDFA’s).  Their specialty is working with women on the business side of their divorce. As CDFA’s, they educate and assist their clients to understand the financial aspects of their divorce so they can confidently negotiate an optimal settlement. 

Whether you are considering a divorce or already navigating the confusing experience, one thing we see making a significant difference for women is the conscious choice to not do divorce alone. Since 2012, smart women around the world have chosen SAS for Women to partner them through the emotional, financial, and oft times complicated experience of Divorce. “A successful divorce requires smart steps, taken one at a time.” ~ Liza Caldwell, SAS Cofounder.
Take a step to hear what’s possible for you and schedule your free consultation now.

*At SAS for Women, we respect same-sex marriages, however, for the sake of simplicity in this article we refer to your spouse as a male.