I always underestimated divorce. When people mentioned them I categorized them as 'break-ups' - when they really are more like a traumatic family death stretched over a few years.
My best tips would be:
- squirrel away some money before if you can.
- don't drink
- exercise every day
Married 17 years, 2 teen kids
Me: working full time ~$110k
Her: sometimes part time / minimum
The last 5 years we were taking separate vacations. Roommates, still sleeping together, but she was going out a lot, and had several unexplained overnights. I think she had a drug thing going. I found some FB messages that showed she had some side-thing going with at least 2 randoms from her karaoke bar. I thought we could keep things going for another few years until the kids got out of school. I was probably lying to myself thinking I could ignore it and it would go away. Glad I didn't try to keep things going - 20 years means lifetime alimony in my state.
Went camping alone over my 50th birthday for a few days. Completely alone - sober - no internet or anything. I really needed to think. It was time well spent.
My atty focused on family law, not divorce. He had paralegal / secs handling the routine things which saved a lot, and he only needed to deal with the corner-case questions and the 8 hours of arbitration.
I lost:
40% of the full retail value of my house
75% of my retirement,
$1600/mo child support.
Taxes changed dramatically, and I had a surprise 7K tax bill. (this was probably a mistake by my atty - he allowed her atty to flip the dependents at the last minute - it didn't help her, but it fucked me.)
Total legal costs for me were around 13K
The first year:
Month 1 :: Charged to finally have made this decision
Month 2 :: Kicked out of my house as the legal games begin.
Month 3 :: Deep sadness / Arbitration - at this point I had 90 days to refi
Month 4,5,6 :: Refi, appraisal over Xmas, NYE, - weight down 50 pounds from stress!
Month 7 :: Refi, cash moved just a few days before the cutoff. Enough equity in the house to pay for things. Moved back into my own house. (COVID CRISUS !! LOCKDOWN) Cleaning 6 months of someone who want's to fuck up your house. Dog pee/poop, garbage, etc, etc.
Month 8-10 :: BBQ hamburgers and beer. Celebration! Relief.
Month 11-12 :: Need to lose some weight. Money is tight.
Things are getting better. Questions? Let me know.
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