Many relationships begin with the euphoria of love and dreams of a perfect future—often featuring a spouse, kids, and even a family pet. However, few people envision a scenario where love and respect turn into something far removed from a fairytale, potentially becoming dysfunctional. If you're in this difficult situation, there are crucial considerations to weigh before taking the life-altering step of divorce.
 
Before making a life-altering decision like divorce, it's essential to start with some self-reflection. Consider whether you've exhausted all avenues to honor your marriage vows and sustain the relationship. Being transparent about your feelings, both with yourself and your spouse, is vital. Don't expect your partner to be a mind-reader; clear communication is key. Lastly, consider whether you've both invested in marriage counseling and given it your all. Taking these steps can help mitigate future regret and ensure you've done your best to save your marriage. 

If you've exhausted all avenues to save your marriage and still find it beyond repair, it's crucial to consider the financial effects of divorce. Be aware that the income that once sustained one household will now be stretched to support two, resulting in a lowered standard of living for both parties. This is an ideal time to consult a financial planner to evaluate your financial situation, explore various options, and review potential settlement outcomes.

If you're uncertain about your financial standing, now is the time to get organized. Begin by collecting all your financial documents to gain a better understanding of your household finances. Without this knowledge, planning for your post-divorce life becomes a guessing game. Consulting with a financial planner or a Certified Divorce Financial Analyst® (CDFA®) can offer invaluable insights at this critical juncture.

I know how incredibly tough this time can be; divorce is among life's most challenging ordeals, often stretching on for months or even a year. Please, lean on your support network—those wonderful folks who offer love and kindness without passing judgment. You're going to need that circle of support more than ever. Just breathe, take it one step at a time, and remember: you WILL get through this.