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Financial protection after divorce isn't just about dividing assets—it's about creating a secure foundation for your future. Randy Carver, certified divorce financial analyst, joins me to share crucial steps that can make all the difference between post-divorce struggle and prosperity.
We begin by exploring six essential financial moves everyone should make after finalizing their divorce. Randy explains why understanding your new financial reality requires first determining what you truly need versus what you want. "People sometimes get so caught up in the money they put the cart before the horse," he cautions, recommending a thoughtful approach similar to planning a meaningful trip—you need to know your destination before choosing transportation.
The conversation takes a revealing turn when Randy shares alarming stories of people who overlooked critical details with devastating consequences. One woman lost her deceased husband's life insurance proceeds to his ex-wife because beneficiary designations were never updated. Another faced unexpected tax burdens after accepting pre-tax retirement assets while her ex-spouse received already-taxed cash. These cautionary tales highlight why working with specialists like Certified Divorce Financial Analysts can prevent costly oversights.
For those contemplating new relationships, Randy offers five protective strategies for entering second marriages. Beyond prenuptial agreements, he shares surprising insights about maintaining separate assets, updating estate plans to protect children from previous marriages, and navigating the complex healthcare implications of remarriage. His matter-of-fact advice—"Sometimes maintaining a legal separation may be more financially prudent than actually getting married"—challenges conventional thinking about relationships later in life.
Perhaps most valuable are the unexpected nuggets of wisdom sprinkled throughout our discussion. Did you know unmarried partners need renter's insurance when moving into a partner's home? Or that remarriage after 60 can eliminate eligibility for a deceased spouse's pension or Social Security benefits? Through practical examples and clear explanations, Randy transforms complex financial concepts into actionable strategies anyone can implement.
Whether you're newly divorced, considering remarriage, or simply planning ahead, this episode provides the financial knowledge you didn't know you needed. As Randy wisely notes, "It's never the bus you see coming that hits you"—making preparation your most powerful tool for protecting your financial future.

To connect with Randy, please visit his website Carver Financial Services

To connect with Shari visit www.animperfectlyperfctlife.com

For media and speaking inquiries please contact Shari's publicist, Kourtney Jason, at [email protected]

To purchase Shari's latest book, Table For 51 - Lessons Learned While Sharing Meals Across America please visit Simon and Schuster for buying options.

To watch the video version of this podcast, please visit our channel at youtube.com/sharileid

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