This is not cynical... really.
As someone currently going through a divorce (mostly amicable), I have come to the conclusion that starting at the end can be very instructional. Sit down and write your separation agreement. Who gets what part of the pension/401k/RRSPs etc. Who gets the house, does the house get sold? Who gets spousal support and with whom will the children live. Set aside $20,000 for lawyers if you have a small agreement and set aside $50,000 and 4 years for big disagreements. And yes, this is money that you will never see again, and gains you very little.
Write down moving restrictions around children, this means that you probably can't easily leave the city you separate in because it is unlikely that your children will want your near, and you will want to be near your children.
Set aside an extra $20,000 dollars for extra transportation since you won't be sharing a vehicle any longer.
If you make more than your spouse, how much will you pay in spousal support. Look forward to a dramatically reduced lifestyle, since about 1/2 of your pay will no longer be yours for at least the first year of separation and couple of years of spousal support.
Set aside money for your mid-life crisis. It really doesn't matter how much, but make sure it is a percentage of your current gross, and expect you both to spend it between your 34th and 44th years.. say 10% of gross for four years. This is valid for those getting a divorce or not.
Set aside now, $4000/year for couples/your counseling to help you deal with the grief of the failed relationship/ job/ life you will experience.
And finally, write up a prenuptial agreement with a lawyer now. Both of you. Pay a lawyer to help you both write it. Marriages are expenses, divorces are an endless expense, know the risks.
Oh.. and Congratulations!! *throws rice*
p.s. If you read this and say "oh.. this doesn't apply to us" think again.
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