Thrive & Decide Guide to Divorce and Beyond

Breaking Free: A Modern Approach to Divorce

• Sarah Thress • Season 1 • Episode 19

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What if there was a better way to divorce? One that saves money, time, and emotional trauma while ensuring fair outcomes for all involved? In this eye-opening conversation with Terri Austin from Modern Divorce Solutions, we explore collaborative divorce—a structured, legislated approach that's transforming how couples navigate the end of their marriages.

Terri pulls back the curtain on this innovative process, explaining how a team of specially-trained professionals—collaborative attorneys, financial neutrals, and family coaches—work together to facilitate amicable agreements outside the courtroom. The financial benefits alone are staggering; while traditional divorces can drain hundreds of thousands in legal fees, collaborative divorce typically costs significantly less while giving couples more control over both process and outcomes.

The conversation takes a powerful turn when Terri shares heartbreaking stories of financial mistakes made during divorce. One woman nearly lost her family home unnecessarily because neither she nor her attorney understood she could easily afford to keep it. These costly errors highlight why consulting a Certified Divorce Financial Analyst (CDFA) before finalizing agreements is crucial—they identify overlooked assets, calculate long-term implications of different settlement options, and ensure decisions are made with complete financial clarity.

Most compelling is Terri's passionate explanation of how Modern Divorce Solutions approaches each case. Whether working as a neutral financial expert in collaborative cases, providing basic mediation for agreeable couples, or offering advocacy for individuals in contentious situations, the focus remains on transparency and informed decision-making. "I'm not here to try and get somebody more than they're entitled to," she emphasizes. "I want you to understand what you're entitled to and what your decisions mean for your future."

Ready to explore a better approach to divorce? Visit moderndivorcesolutions.com to learn how financial expertise can transform your divorce experience and secure your financial future.

Learn more about Collaborative Divorce: https://www.winwindivorce.org/


Hi and welcome to Thrive and Decide. I’m your host Sarah Thress. This podcast is intended to help women who are going through a divorce, continplating divorce or have lost a spouse feel seen, heard, understood and not alone. All the beautiful souls who share on here are coming from a place of vulnerability and a common belief that sharing your story will help others. You will also hear from industry experts on what to do and not do while going through a divorce.


Sarah Thress
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Real Estate Podcast Come To Find Out:
https://podcasts.apple.com/us/podcast/come-to-find-out/id1704949604

Real Estate First Time Home Buyers course: https://sarahthress.graphy.com/

Speaker 1:

Hi and welcome to this week's episode of Thrive and Decide. This week I have Terri Austin with Modern Divorce Solutions, and I met her through a collaborative divorce group and I was just so intrigued at the whole idea of collaborative divorce and all the things that she really kind of brings to the table with her Modern Divorce Solutions, so I asked her to join me. So thank you so much for taking time out. I really appreciate it. Thank you, it's good to be here. Yeah, so first let's talk about collaborative divorce. Like what does that even mean? Because I'm sure somebody on here is like what? Like I can do something different. I don't have to just have an attorney that is going to battle it out with another attorney, you know. So I'd love for you to just kind of walk us through what collaborative divorce looks like and what. Who would be like a good?

Speaker 2:

candidate for that Right? No, that's a really good question because it can be a little misleading, because collaborative divorce sounds like it's an adjective describing some way to get divorced and anybody can be collaborative. But collaborative divorce is actually legislated in the Ohio Revised Code and many other state codes across the nation. Not every state has it, but most of them do, and so in Ohio there are several groups. They tend to be kind of geographically located. There's a group in Cleveland and a group in Cincinnati, but here in Columbus ours is called we shorten it COACDP, the Central Ohio Association of Collaborative Divorce Professionals. So you see why we try to shorten it, and our website is actually even better than that it's winwindivorceorg to try and just really simplify it for people. So in collaborative divorce every single professional who's involved is collaboratively trained and it's legislated that each person that becomes a collaborative professional has to go through 12 hours of training and then you have to go through mediation training through the Ohio Supreme Court and that's 40 hours. So we all get a really good education on how to get through things collaboratively and amicably and how to help a couple get divorced.

Speaker 2:

So if you are a couple, say that you're getting along and you agree on most things in your divorce. But you know there are going to be a few snags and you're not really sure how to handle them. But you want to be nice about it. You can go to winwindivorceorg or whatever collaborative divorce organization is in your town and find yourself some collaborative professionals to work with. And you want to kind of coordinate that with your soon-to-be ex-spouse. Because if you go get a collaborative attorney and say this is what I want to do Because if you go get a collaborative attorney and say this is what I want to do, but the other spouse has already retained some different attorney who isn't collaboratively trained, then it's not going to work. So you both kind of go to that website, choose a couple of attorneys and you can go through and interview the financial neutrals if you wanted to. Which brings me to who all's involved. So when you do a collaborative divorce, you'll each have an attorney who represents you, but not in a litigated style. They're going to educate you on what you might expect if you were to go to court. So that sort of gives you and your spouse parameters within which you can decide certain issues and the outcomes. Because if you know that if you go to court, you might be entitled to this range of spousal support. Then you too know that you need to decide on something that's kind of in between there. And then there's always a financial neutral involved, because someone has to record all the financial stuff and do some calculations and keep all the numbers straight.

Speaker 2:

And then an interesting part of the group in the process too is what we call a mental health professional, which is also referred to as the family coach. But that person will help with a shared parenting plan if there are kids involved. But if there are no kids involved, she or he is still a really important part of the process because they're there to keep the meeting amicable and collaborative. So that person is just better equipped to see signs of stress in one party maybe, and they can say I think it's time for a break. Or, you know, maybe we need a snack. Or you know, maybe we should just stop today. This is a really good place to stop and that just keeps things from getting inflammatory and you know, so that's a really good. She's a really good part of that process and collaborative divorce. I'll just keep going unless you have other questions.

Speaker 1:

Yeah, no, you're good.

Speaker 2:

But collaborative divorce also is. We look at it as a less expensive sometimes usually, and more time time efficient way to get divorced as well. So it's definitely a more friendly way because everybody's working together. But from a time perspective, if you're going the old fashioned route, you have to coordinate with your attorney, your attorney's schedule, the court schedule, and they're always backed up and so it might, and then your date rolls around and then they cancel or change it on you and so you're at the mercy of the court and a lot of other people when you don't do collaborative.

Speaker 2:

So in the collaborative process we literally sit and we put three or four or five meetings on the calendar, and we put three or four or five meetings on the calendar according to everyone's schedule, and we've been involved in cases that get finished in three to four months and I would venture to say that no one of sitting in the room and really helping you and working on your case behind the scenes and there's no incentive for us to drag it out and charge more money or anything like that. So, yes, you are still paying two attorneys, but, um, and then you're paying a mental health professional and a financial neutral, but in the end, it still is, 90% of the time, probably going to end up much less expensive than if you each hire two attorneys and try to duke it out in court.

Speaker 1:

Yeah Well, and on top of that you're not having the financial neutral there to help with the finances. So if you're duking it out with two attorneys, on top of that you're also hopefully you're getting a financial planner that's going to help you make the right decisions. But if you don't, you know I mean that could cost you a lot. I'm sure you have stories of you know I mean that could cost you a lot.

Speaker 1:

I'm sure you have stories of you know a case where you know obviously we're not going to talk about people, um, you know, with their names but, um, you know, I'm sure you have plenty of examples of, uh, you know, maybe even like a case where you know, if that person would have talked to a financial planner first, they would have known that you know they could have kept the house or they were entitled to more money, or you know anything like that.

Speaker 2:

Right, and so that's. That's just a perfect example of if you think it's expensive to hire a professional, wait until you find out how expensive it is to fix your mistake. You know, because, if I and I do, because if I and I do, there are so many stories. But, for example, that this one woman and I believe I mentioned this to you before, but she came to me after she had already been talking her work through her finances after she gets divorced they weren't divorced yet and I started looking at everything. I asked her I said send me your draft agreement that they hadn't signed yet. And I said let me see what we have to work with. And she sent it to me and then I quickly got back with her and I said now, why are you selling the house? And she just said, well, I can't afford it. And I said who told you you couldn't afford it? And she said, well, I just figured I couldn't afford it. And then my attorney asked me if I wanted to keep it and I told her I couldn't afford it. And she said okay, and so we all just agreed we would sell the house and split the proceeds, and I was the person who had to tell her you're going to be much better off if you keep the house, because you can afford the house.

Speaker 2:

And her outstanding mortgage was only $75,000 on that house and she was under the ill-conceived notion that her $350,000 house was what she would have to pay for and that there would be no way she could afford that, when in reality all she has to do to keep the house is refinance the $75,000. So I hope this isn't getting too much in the weeds. But I told her you know you will be able to get underwritten for that $75,000 mortgage with the amount of spousal support and child support you're going to get, plus your smaller job. You will qualify for that and your payment will be less than $1,000 a month and you get to stay in your kid's school district. They don't have to move. And I said let's try and stop this train from leaving the station. Can you get your attorney on the phone with you and me and let me explain why and see if she can get them to agree that you don't have to sell the house? And so we went through all that and the attorney totally understood where we were coming from and agreed with me yes, that would be way better for her.

Speaker 2:

But then she made the appeal and the judge said no, because I think even the judge thought there's no way she can afford that, which I don't know how. I mean. You know, like I said, once I get involved if it's too late. Sometimes it's too late, and that's a perfect example where if a person getting divorced would talk to the financial expert first and make sure that they can't afford a house or, you know, run these ideas past a financial person because an attorney went to law school. I didn't go to law school. I can't help you with the legal part of this and getting anything filed or drawing it up in the legal wording, but I know finance and the attorneys know the law. They don't know finance and they're just going to ask you what you want.

Speaker 2:

You have to understand what these financial decisions mean, and so that's a perfect example where now this woman didn't get to keep her house, they're selling it. She's going to get like $100,000 or something't get to keep her house. They're selling it. She's going to get like a hundred thousand dollars or something was going to be her share and she's going to go through that really fast, trying to find an apartment to rent because she can't buy anything now because she would be financing way more than $75,000. And so she she's never gonna. I mean she's going to spend 14, $1,500 a month, way more than what her house payment would have been if she had just kept the house and refinance $75,000.

Speaker 1:

And those are heartbreaking stories. Um, I hate hearing those because, you know, even on the real estate side, like when I, um, you know, meet with someone and they're talking about, oh, we're going through a divorce, or whatever I'm always asking did you guys look at all aspects before deciding that this made sense for you to sell? And then I'm going to look at comparable properties and give them a full picture to make sure that they know that, yes, this makes the most sense or no, it doesn't, and if it doesn't, that's perfectly fine. I want everyone to stay where they're comfortable and all of that.

Speaker 1:

So, but it sounds like to me what would make the most sense for people is to talk with a financial planner before they talk to an attorney, because then they have all the information that you know, they know about their finances. Instead of going to the attorney and them asking all these questions, they're billing you for that time and you don't have all those answers. So then you're going to have to go find a financial planner anyways. So you may as well like get that information so that you can use your time wisely with the attorney and not have to like answer all of those questions, which is why I love you know what you guys do, or what you do with Modern Divorce Solutions, so I'd love for you to kind of walk us through what does Modern Divorce Solutions like? What does that encompass? How'd you get started? You know just kind of all the things. Walk us through it, yeah.

Speaker 2:

Well. So I would like to distinguish between a financial advisor and a divorce financial expert. Yes, please, Because so I've been a financial advisor for gosh, I'm going to say maybe almost 30 years now, Because you started when you were 12. Yes, exactly, Thank you. Yeah, but and I've been I'm a CFP Certified Financial Planner. I have all the designations and I've been doing it for all these years and I help people with their financial plans and their investments and all that and have for years.

Speaker 2:

If someone had come to me way back when and asked me what I should be asking for in my divorce or what I should expect, I would have thought that I could have maybe walked them through it.

Speaker 2:

But now that I'm actually a CDFA, which is a certified divorce financial analyst, with seven years of experience working with people in over 100 different divorces in some capacity or another, I realize now, as a financial advisor, without the experience and the qualifications that I have, that I had no idea what I would have been talking about back then. But so the reason I got involved is because, as a financial advisor, I had a few women coming to me over the years and they would say I just got divorced and I have this money, and so I would always ask to see their document, their divorce decree, just because I knew, if you know they were entitled to or awarded something. We just wanted to make sure that we went and got it, because that's a whole other chore in itself. You know, there I've heard of people saying, well, I was supposed to get half his 401k, but we've never done anything about it, and I think what?

Speaker 2:

you know, why do you have to get this done? You know. So, um, I, I would look at their decree and I would ask questions Well, why didn't you get half that pension? Or you know how come he got all the retirement and you just took the house, and you know, and they would tell me these things and I would think that just doesn't seem like a fair deal.

Speaker 2:

And then I started, and then I started thinking I got divorced and I started thinking that I probably gave away more than I should have in my divorce because I didn't know any of the stuff back then either. I know my mom may she rest in peace. She made bad decisions based on she just wanted the house and let my dad keep the retirement. Wasn't my dad's fault, wasn't my mom's fault, but neither of them knew what that was going to mean to my mom and how crunched for money she was going to be for the entire rest of her life as a result of that crunched for money she was going to be for the entire rest of her life as a result of that. And then these women that were coming to me. It was just I thought I need to get in front of this process, because these women we want. When we've made our decision, we're kind of over it and we want it to be done, and sometimes we just say, I just want out, give me this and I'll go, when really, you're kind of, um, it's not a good decision to make that way, Um, just in haste to try and get it to be over with. So I started thinking how do I do this? And I Googled you know, divorce financial expert, or is there such thing? And then I found this designation CDFA Certified Divorce Financial Analyst and I found this amazing woman, Nancy Hetrick, in Arizona, who did exactly what I wanted to do and I got in touch with her and she taught classes about once you become certified. Now how do you get involved and how do you make this a business? And through working with her and going through her seminars and stuff.

Speaker 2:

That's when I decided to create a business and called it Modern Divorce Solutions and I just want to help people get divorced in a better way, because hiring two attorneys and duking it out is the worst way possible. And so in my work I help people in two or three different ways. So I am the president of our local collaborative divorce organization now. So I work as a financial neutral in that collaborative group. So I work in collaborative cases.

Speaker 2:

But sometimes people come to me and they'll just find me online and say we literally agree about everything. We just need somebody to help us write it up and help us figure out how we divide our 401k. We don't want to hire attorneys, and so I don't argue with them and I say I can absolutely help you with that. And maybe they aren't a candidate for collaborative because it's money that doesn't necessarily need to be spent if they're going to agree on everything and don't feel like they need representation, and so I'll help them through that and I call those just my basic mediation cases. And if they need a shared parenting plan, I'll refer them to one of my colleagues who are experts in getting those created for a small fee. And then we just forward all that information that they decide on to an attorney who draws it up for them and gets it through the system that they decide on to an attorney who draws it up for them and gets it through the system, and they can be divorced in 30 days after filing and their final hearing can be with a judge on Zoom. They don't even have to go to the courthouse. So there's that.

Speaker 2:

And then sometimes a client will find me and these are my advocacy cases and it's usually a woman who's already in the middle of a litigated or a contentious case and they're fighting back and forth over the money and over this and over that, and she just wants to know what she's really entitled to. But every time she calls her attorney it costs her $500 an hour. So she comes and says you know, if I take this settlement, will I be okay? And then through looking at that and me looking at the balance sheet that's been created, I can tell her, yes, you'll be fine, or no, you won't. Or, according to the numbers, you're actually entitled to X. And so I then sort of become an advocate for that person. Yeah, so that's kind of how we got it started.

Speaker 2:

My sister was one of my first clients, which is really sad, but I knew that was coming up too. So between my own bad decisions and knowing of my mom's bad decisions and seeing these women come to me who they had made, I don't want to say it was bad decisions. It was just decisions that they thought were best at the time. But it turned out that they were leaving money on the table and the numbers are the numbers. I'm not here to try and get somebody more than they're entitled to. I want you to understand what you're entitled to and if you want to concede some of that in an effort to get this done because you know your ex, and if you say, all right, I'll take less in spousal support, if you'll just agree that we can have this over with, that's fine. I just want you to understand what that means. So if you so, basically you just need to make an informed decision. Don't give something up if you don't know what that's going to mean for your future.

Speaker 1:

Well, and that's what I love, that you take that approach, because you know when we're going through. I know, when I went through mine, like you know, I I was very blessed that we didn't have to go through all that and we agreed on everything and all of that. But I know that's not normal, um, and I have helped. You know, I've kind of coached a lot of different people friends, strangers, my parents. You know all of the things like through it, and so I've seen all the different things. But you don't know what you don't know. And I remember, you know, going through like my divorce, even no. And I remember, you know, going through like my divorce, even though everything was amicable, like, and we got along with everything and we agreed on it all, I still wasn't thinking I was in the grieving process. I wasn't thinking, oh, I need to change my beneficiaries, like. It wasn't until like a few years later that someone was like um said something about beneficiaries and I was like, oh, I think you know, my ex is still my beneficiary.

Speaker 1:

And they were like you need to change that and I was like Holy crap.

Speaker 1:

They were like if you got hit by a bus today, like, and I was like oh. And then I was like, well, I mean, he's got our kid. And they were like, okay, but let's like, you know, like let's make sure that everything is on the up and up, because what if that person, you know, what if your ex gets remarried? What if they have kids? Don't you want to make sure that that money is only going to your daughter, not this new kid? You know they need braces. Like well, you figured that out. That doesn't come out of, you know, like the pot for your daughter.

Speaker 1:

So, I love that you do that, because I just think knowledge is power, and if we don't have that and a lot of times it's really honestly a big driver. And why I wanted to create, thrive and Decide and why I wanted to be able to create resources for women is because when you're lost in that grieving process, you can't even think about what you want to do the next day, let alone how you're going to get through all of this. And so sometimes, whenever you know, your spouse or their attorney comes to you and says look, at this, this is such a great thing.

Speaker 1:

And you're like, oh, okay, that is so great. And then it's like you take it to someone who's like, um, no, yeah, you know someone like you that's like, no, actually you're leaving about you know a lot of money over here on the table and it doesn't make sense for you to sell a house, or it doesn't make sense for you to, you know, give up the 401k or to only take you know part of whatever.

Speaker 2:

Right, yeah, that's a really good point and I love that you are doing podcasts like this. I actually just got a client and when I asked her I always ask you know how'd you find me, or whatever and she said well, I listened to several divorce podcasts. So I think in her quest for knowledge, she just went to iTunes or whatever and put in divorce podcasts. So I think, in her quest for knowledge, she just went to iTunes or whatever and put in divorce podcasts and she was listening to a bunch of them and they were telling she said that's where I learned that I should talk to a CDFA. And she said and then I googled CDFAs near me and you came up and I thought, well, good, thank goodness, that's great, but it's it's really important. It just to make those steps and find all the knowledge you can find and make these decisions after you have all the information.

Speaker 1:

Yeah, exactly, I mean, I think informed decisions are the best. And again, you don't know what you don't know. I mean it's just like when you start a new job or you know you bring home a baby, like it doesn't come with a manual, like you're figuring it all out. So divorce also doesn't come with a manual, because it is not a one-stop shop. It is not. You know, everyone's is unique. Everyone's story is unique, even if there are some you know, some similarities. Everyone's is unique and so you know. I just think that that's amazing, that you kind of approach it that way.

Speaker 2:

Yeah, and you know another thing. I think too, a lot of times it goes to the you don't know what you don't know. A lot of times people think that they're taking everything into account when they're dividing all their stuff and they think it's going to be amicable and easy. And I'll say you'll be surprised how long an easy case will take, because there's a lot to talk about, because my list of documents that I need to see, you know, working with me in, most of as mediation client or as a collaborative client, it all depends on transparency. So if both parties aren't willing to provide the information and the statements and the documents, but, um, you know, and one of the things that's on there are things like tell me, give me a statement of your HSA account.

Speaker 2:

A lot of times people forget that they have an HSA account but that's marital property. People forget that they have an HSA account but that's marital property and even though it's in one person's name, it can be split. And I had a client conveniently forget to disclose that. But when you provide me with a pay stub and I, a financial expert, start looking at pay stubs, I see, oh, there's money going to an HSA and I just say oh, did you forget to tell me that you had an HSA? And oh, yeah, I did you know.

Speaker 2:

But if I hadn't mentioned that, that wouldn't have even been part of the marital balance sheet and wouldn't have been anything that they would have divided. Or, you know, when you see that their paycheck is being divided among three different accounts and so the majority of it's going to joint accountants, there are two other little places and I think, well, where's this money going? And you know what about these accounts? And so it's amazing what someone who's used to looking at those documents can find that you might not have known was there. So that's just another reason to talk to a divorce financial expert first and figure all this out and get some idea of what the marital estate looks like and what you are entitled to before you start making decisions.

Speaker 1:

I love that. Yeah, I think it's great. So so if someone listening um is in, are you able to um work anywhere outside of central Ohio, or is it just Ohio that you're licensed on?

Speaker 2:

No, um, as far as divorce, the software that I use is the same software that the courts and attorneys most attorneys use, um, and I can just click a box for whatever state, and so I might not be 100% up to date on the laws, but I'm not a lawyer and I'm not giving legal advice anyway, and I say that here in Ohio, but here in Ohio I'm pretty comfortable telling people what I've heard attorneys say so. But back to the fact that the numbers are the numbers, I do have a couple of clients I'm working on cases for in Illinois right now, and I don't know why I keep getting these Illinois cases. I guess I don't know, but at any rate I can click the box and I go to Illinois and the child support worksheet comes up for Illinois and the marital balance sheet is going to be the same. We put all your assets and all your liabilities on there and you divide them equitably, and so the numbers are the numbers. So I can tell those people that this is how you know if you want the house and you want this, and then we split retirement. This is how it's going to work out, and maybe one of you owes the other a little bit more money.

Speaker 2:

If you're going through it in an amicable way, it doesn't really matter what the law says anyway, because you get to decide within the confines of an equitable distribution. The only thing that might be different is that in another state they might look at spousal support or alimony in a different way. But if you two look at the numbers and how it calculates out and I tell you, you know, if you want to balance your incomes on a 60-40 basis, this is what support would look like and you agree, or you guys come to a number that you agree, then that's fine too, and then we would just have to find an Illinois attorney to send this through. But no, um, but no. So I can answer basic general division of asset, spousal support, child support questions and the way courts look at things in general. Um, for anybody in any state, basically.

Speaker 1:

Yeah, I love that. Yeah, I love that, cause I was just thinking, like, if someone is listening to this and they're like, oh my goodness, I want to work with Terry, you know, um, what would best way for them to find you or to work with you, like, you know, like, what are the steps? Like, if someone's like, wow, I really want to work with her.

Speaker 2:

Yeah, and so and also know that if you do call me from California, I would probably say I know California is a little wacky because I am really good friends with a CDFA in California we talk about every three weeks via Zoom. I've got a network of CDFAs that I consider colleagues and friends in many different states. So there are some states that I would say you know what you should talk to my friend Kimberly in California because she's going to be much better for you than me. My friend Kimberly in California because she's going to be much better for you than me. So, but if you want to get in touch with me, uh, it's modern divorce solutions with an scom Um and um, that would be the easiest way.

Speaker 1:

Terry Austin, CDFA, Columbus, Ohio. I pop up that way too Perfect, yeah, and I'll make sure all that information's in the show notes. So if someone listening it like wasn't able to write down Modern Divorce Solutions with an S? Com, it's very long, yes, but I love it and it's catchy and it tells you exactly what you're getting like. A modern divorce solution. It's no longer let's all get an attorney and fight it out and and you know like let's have this horrible bloodbath to you know, until the death, and that costs thousands and thousands and thousands of dollars, yes, Sometimes hundreds hundreds of thousands of dollars.

Speaker 2:

I was going to say it's hard for people to believe, but I did help a woman last year and she spent $400,000. Stop it, no, and her husband did too, so that's $800,000 that could have been in their pocket. Even if they had only spent $100,000, they could have been splitting $700,000. And it was ridiculous and it was two different attorneys that are the most expensive ones in town and it took almost two years and they just billed and billed and billed and billed, did depositions, and it's just crazy. Yeah, so it can get very expensive. Yeah, no absolutely so.

Speaker 1:

I love that. Yeah, well, thank you so much for taking time out to come and talk about this. I think this is such good information that I really just want to get out there again to allow people to have that. And maybe someone listening is like there's no way, like I am married to the most narcissistic jerk ever. We would never agree on anything. Okay, fine then. Collaborative is probably not for you. No, but you still need a certified divorce financial analyst right to help you. Did I get that right? You?

Speaker 2:

did, yes, very good. Oh my God, if I dare you to try COACDP, yeah, no, central Ohio Association for Collaborative Divorce Professionals, otherwise known as winwindivorceorg. I want to get that plug in there too.

Speaker 1:

Yes, absolutely, I'll have that also in the show notes. But yeah, I just think this is so great and you know again, even if they're listening and they're like collaborative, it's not for me. Still seriously get a certified divorce financial analyst on your side first to give you a clear financial picture so that you know whether what they're giving you is actually a really good deal quote, unquote or whether it's just they're trying to pull the wool over you and just take whatever they can and let you think that you won yeah exactly.

Speaker 2:

Yeah, thank you so much for having me and getting this information out there. Yeah, it's good for everybody.

Speaker 1:

Absolutely. I hope that we can do more of these in the future and maybe create some videos to get out there. We'd love to.

Speaker 2:

Awesome, awesome Thanks.

Speaker 1:

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