The Intentional Divorce Library

Divorce comes with more financial questions than anyone expects. This is where you'll find real answers on asset division, budgeting, retirement, and the mistakes that quietly cost women the most, written by a Certified Divorce Financial Analyst who has helped clients navigate exactly what you're facing now.

No fluff, no fear tactics. Just the information you need to make clear-eyed decisions and protect the life you're building next.

Not sure where to start?

Every article here is written for a particular moment. Start with the stage that matches where you are, and you will find the handful of pieces that actually apply to you.

Browsing by topic instead? Every category is listed in the sidebar, from QDROs and the family home to co-parenting and life after divorce.

How to Protect Your Credit During Divorce: 12 Steps to Take Before, During, and After asset division debt divorce financial planning

Let me ask you something.

If your spouse stopped paying a joint credit card tomorrow, would you know about it before the late payment appeared on your credit report?

For many people, the honest answer is no.

Credit is easy to overlook during divorce. You are focused on where you will live, how asset...

Continue Reading...
The Most Common Financial Mistakes in Divorce (And How to Avoid Them) certified divorce financial analyst debt dividing assets in a divorce financial planning house in a divorce preparing for divorce property division in divorce retirement accounts in divorce taxes

After more than 20 years of working with divorcing clients as a Certified Divorce Financial Analyst, I have seen a lot. I have sat across the table from women who were sharp, capable, and completely blindsided by the financial consequences of decisions they made during their divorce. Not because the...

Continue Reading...
How to Refinance Your Home as Part of Your Divorce Financial Settlement debt house in a divorce preparing for divorce

There are many factors to consider when putting together a financial settlement agreement, but one of the things that has come up recently among my clients has been refinancing your house as part of your divorce financial settlement

There are two main things to consider when agreeing to anything,...

Continue Reading...
Keep the House in Divorce: 7 Steps to a Smart Decision certified divorce financial analyst debt dividing assets in a divorce financial planning going through divorce house in a divorce

I stayed in my house when I got divorced. At the time, the housing market had declined so much that we had negative equity in our home. Selling our house would have put us in a worse financial situation than keeping it and we had three young children. Keeping them in the house gave them some stabi...

Continue Reading...
How to keep your house in a divorce certified divorce financial analyst debt dividing assets in a divorce financial planning going through divorce house in a divorce property division in divorce

If you are wondering how to keep your house in a divorce, you're not alone. A lot of my clients have sentimental attachments to their homes. You've made memories there. It's where you raised your family. You may have close relationships with your neighbors or other strong ties to the community.

Eve...

Continue Reading...
Divorce and Your Mortgage: What You Need to Know Before You Refinance certified divorce financial analyst debt dividing assets in a divorce house in a divorce preparing for divorce property division in divorce

Editor's note: The mortgage lending guidance in this post reflects the expertise of a Certified Divorce Lending Specialist and covers principles that hold true regardless of market conditions. Specific figures such as interest rates and home values shift over time. Always confirm current qualificati...

Continue Reading...
Debt and Divorce: Understand Your Liability for Shared Debt debt

Are you faced with debt and divorce?

Divorce can be scary but when you're faced with debt and divorce, it becomes even more complicated. Know that you are not alone. Many couples find themselves knee deep in debt and have no idea what to do with it in their divorce.  The best option for shared deb...

Continue Reading...