
Get Off Your Assets
Description
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Step-by-step financial advice for women over 50 thinking about divorce, knee-deep in it, or designing life after their gray divorce
You had a long-term marriage. You had kids, bought your dream house, set up investment accounts, and even saved for your grandchildren's college education. You now look forward to your "golden years," winding down and enjoying those put-off hobbies and long-fantasized trips. The kids are gone, but the flames in your relationship have flickered out, and you can't imagine facing the next 30 years with a partner with whom you share nothing. You know you need to do something about it, but you don't know where to start because, in most cases, he has been handling the money part of your relationship.
Get Off Your Assets: The Ultimate Financial Guide to a Woman's Gray Divorce is a comprehensive guide for any woman facing these money challenges. The book gives tips and tools for women thinking about divorce, knee-deep in it, or designing life after their gray divorce. The book outlines step-by-step advice for women to design their team of lawyers, accountants, and financial experts to guide them through the process.
The unique approach of this book is that it engages the reader via real-life stories, quizzes, and worksheets, leaving the reader with a practical and inspirational confidence that she will be able to not only navigate this process but come out of it with a solid financial foundation for her new life.
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Content
- Cover
- Half Title
- Title Page
- Copyright Page
- Dedication
- Contents
- Preface
- Section I: Before Your Gray Divorce
- Chapter 1: What Is a Gray Divorce?
- Quiz: Are You Ready for a Gray Divorce?
- Chapter 2: 'Til Death Do You Part
- Weird Reasons for Divorce That Should Make You Feel Sane
- Chapter 3: A Leopard Can Change His Spots
- Chapter 4: Busting the Money Marriage Myths
- Back to the Future
- No Worries
- How to Look at the Quiz
- Financial Infidelity
- Chapter 5: History of Women and Our (Financial) Rights
- Breaking up Is Hard to Do
- Lots of Rules and Steps
- Chapter 6: Gender Roles Are Tough to Shake
- Men Are the Breadwinners
- Women Are Pulled in So Many Directions
- Gender Disparity Is Alive and Well
- We Have Come a Short Way, Baby
- The Secret to Long Life: Dump Him
- Pink, Blue, and Beyond
- Scarlett O'Hara Should Be Gone with the Wind
- Ignore Those "Friends" Who Want to Give You Advice
- The Grass May Not Be Greener on the Other Side of the Fence
- Chapter 7: Don't Pass This Baggage onto Your Kids
- Marriage or Living Together?
- Change Your Job Description
- Section II: When You Are Considering or Knee-Deep in Your Gray Divorce
- Chapter 8: Design Your New Life
- Completing Incompletions
- Sock-It-to-Me!
- Rewrite Your Story
- Now What?
- Results:
- Chapter 9: Know Yourself and Your Financial Personality
- Quiz to Determine Your Financial Personality
- Results:
- Okay, I Know My Financial Personality, Now What?
- Chapter 10: Building Financial Security to Let You Sleep at Night
- Chapter 11: No Magic Money Log
- Chapter 12: A Budget Does Not Have to Be an Instrument of Torture
- Your Monthly Budget
- Savings Will Save You
- Put the Squeeze on Expenses
- Drip, Drip, Drip of Small Savings
- Chapter 13: "Wish I May, Wish I Might"
- Your Wish List
- Chapter 14: Wash That Man Right Out of Your Life
- Detanglement List
- More Paperwork
- List of Documents for Your Kids and Loved Ones
- Your Home
- Credit Reports
- Chapter 15: FICO-More Than a Cute Name for a Dog
- Why Does My FICO Score Matter?
- How to Improve Your Credit Score
- Credit Utilization Ratio
- Debt-to-Income Ratio (DTI)
- What Is a Good DTI Ratio?
- Credit Card Debt Ratio
- How to Build Credit History
- Credit Cards
- Secured Credit Card
- Loans
- Chapter 16: Put Together Team-You
- Chapter 17: How Do You Find Your Divorce Team?
- Mediation vs. Your Own Lawyer-What Type of Divorce Is for You?
- What Mediation Looks Like
- Story: Beware of Professional Tans
- How to Select an Attorney
- "Oops, I Did It Again"
- Interview, Interview, Interview
- Lawyer Checklist: Preparing for Your First Meeting
- Basic Personal Information
- More Information to Bring
- Chapter 18: Choosing the Right Financial Advisor
- Here's How
- 1. What Is a Financial Advisor?
- 2. Determine What the Money Is For
- 3. Consider Why You Need a Financial Advisor
- 4. Get to Know Your Financial Self
- 5. Risk Tolerance
- 6. You're a Client, Not a Customer
- 7. The Best Things in Life Are (Not) Free
- 8. Verify Credentials and Ensure Goals Align
- 9. Comfort Is Key
- Chapter 19: Get Your Money Act Together
- Take a Deep Breath and Create Your To-Do List
- Income and Tax Documents
- Real Estate Documents
- Personal Property Information
- Financial Information
- Estate-Planning Documents
- Give Credit Where Credit Is Due
- 1. Check up on Your Credit Report
- 2. Sign Up for a Credit-Monitoring Service
- 3. Open New Credit Cards in Your Name Only
- 4. Apply for a Secured Credit Card
- 5. Close All Your Joint Accounts
- 6. Close Joint Investment Accounts
- 7. Pay Your Bills
- 8. Divide the Credit Card Debt
- States/Countries Govern Marriage and Divorce
- US State Laws
- Foreign Laws
- Chapter 20: Show Me the Money-Some Things to Consider
- Money Mistakes You Can Make in a Gray Divorce
- Let's Look at the Gray Divorce Money Mistakes
- Story
- Gray Divorce Money Mistake #4
- Who Is Eligible?
- How Do You Enroll?
- Can You Have an HSA (Health Savings Account) with Medicare?
- What Does Medicare Cost?
- Gray Divorce Money Mistake #5
- Gray Divorce Money Mistake #6
- Gray Divorce Money Mistake #7
- Chapter 21: Initiating the Divorce
- "Remember the Alimony"
- Determining an Amount and Duration of Alimony
- Permanent Alimony
- Story
- Chapter 22: How Do You Legally Divvy-up Assets and Income?
- A Hard Look at the Marital Assets Checklist
- Inheritances
- Social Security
- Life Insurance
- Look Closely at the Premium Increases
- Long-Term Health Care Insurance
- Pension Plans and Retirement Accounts
- Terms You Will Need to Understand When Looking at Pensions/Retirement Plans
- Tax Considerations
- This can all be taxing
- Are You Staying Together Because You Are Terrified to Lose Health Insurance?
- Section III: Your Financial Life After Gray Divorce
- Chapter 23: Choose Your New Butter Dish
- Your Choice
- Things I Can Now Do That I Don't Have to Worry About
- Chapter 24: 'Til Debt Do We Part-The Golden Years Are Tarnishing
- How Serious Is This?
- Debt You May Not Have Considered
- College Loans before You Got Married
- College Loans after You Got Married
- Loans to Friends and Family
- Joint Consolidation Loan Separation Act
- Medical Debt
- What Can Be Done?
- Student Loan Debt
- Problems with Some Solutions
- The Debt Dig-Out after Divorce
- Consider a Debt-Consolidation Loan
- Debt-Consolidation Loans
- Chapter 25: Refinancing Your Mortgage
- Rate-and-Term Refinance
- Here Are Some Pros and Cons
- Chapter 26: Reverse Mortgages
- What Is a Reverse Mortgage?1
- Chapter 27: "The Bag Lady Syndrome"-How to Leave Your Shopping Cart Behind
- How to Stop the Money FOG
- Stop It!
- Financial Stress Is Alive but Not So Well
- Getting Your Act Together
- Misery Loves Company
- Tips to Deal with How to Get Credit Card Debt Under Control
- Chapter 28: Never Own Anything Bigger Than Your Hat
- Chapter 29: Time to Get Off Your Assets and Learn to Vision Your New Life
- How to Vision Your New Life
- Life Goals
- Chapter 30: Financial Goals-Why Die on the Vine When You Can Replant?
- Mapping Your Goals
- Your Choices
- What Does Financial Independence Look Like?
- I Can Have the Talks with My Family and Loved Ones
- Your Money Map
- Chapter 31: Women Beat Men at Investing
- The Big Deal about Investing
- Time Is Your Friend (or Your Kid's)
- Chapter 32: Financial Wellness Later in Life
- Have Confidence
- What You Shouldn't Do
- Chapter 33: Before the Plunge-Prenups
- Don't Let Tying the Knot Tie You in Knots: Your Prenup
- You Cancelled the Romance
- When Do You Need a Prenup?
- "I Do" Can Equal "I Due"
- What Does a Prenup Cost?
- Oops, I Forgot to Tell Her
- Prenup Topics You Should be Prepared to Discuss
- When Should You Get a Prenup?
- Avoid the Big Prenup Marriage Money Mistakes
- Prenup Marriage Money Mistake #1
- Prenup Marriage Money Mistake #2
- Prenup Marriage Money Mistake #3
- Prenup Marriage Money Mistake #4
- Love Hurts: Epic Celeb Prenups
- Basic Elements of a Prenup
- The Tough Conversation: How to Talk about Getting a Prenup
- Chapter 34: Giving Is Part of Living
- Interesting Ways to Donate
- Chapter 35: Retirees, "Let the Force Be with You" (and Your Grandchildren)
- Pay It Forward
- Chapter 36: When Your Kids Are Concerned, Can You Step Away from Your Wallet?
- Chapter 37: Adult Children Returning to the Empty Nest
- Setup a Lease with Your Adult Children
- Why the Lease?
- Worksheet for Soon-to-Be Parental Landlords
- Chapter 38: The End or New Beginning?
- Notes
- Bibliography
- Index
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