How To Protect Yourself Financially If Your Marriage Is Struggling

It’s shocking how common financial abuse in divorce is. Here are the best ways to protect yourself. Divorce is hard. If you’ve been married to a narcissistic abuser, it can feel even more impossible to break free. These individuals often don’t stop their controlling behavior after a divorce is filed. Instead, they escalate their attempts to assert power.

One of the most common—and devastating—ways narcissistic abusers do this is through financial abuse. If you’re a woman divorcing a narcissist, it’s vital to understand how financial abuse works and how to protect yourself. To discover if you’re emotionally abused, take this free emotional abuse quiz.

What Is Financial Abuse in Divorce?

Financial abuse is an abuser’s way of gaining and maintaining power by controlling access to money and resources. During a divorce, this often includes tactics like withholding financial support, hiding assets, or intentionally complicating legal and financial processes. To wreak havoc on their victim’s stability. The abuse doesn’t necessarily stop after divorce—it can take on new, cruel forms, keeping victims entangled in elaborate schemes long after ties should have been cut.

Why Do Narcissists Use Financial Abuse In Divorce?

Narcissistic abusers are motivated by control. They want to undermine your autonomy, manipulate your decisions, and make you dependent on them.

Anne Blythe, the founder of Betrayal Trauma Recovery, explains it clearly, “Narcissistic abusers are very calculated. They control where, when, and how they show their true colors. At home, they ‘lose their temper.’ Outside of it, they maintain a polished, socially acceptable image. Financial abuse is yet another method for them to assert power at your expense.”

When you understand that financial abuse stems from their need for control—not because of your mistakes or shortcomings—you’re better equipped to set boundaries and protect your well-being.

Financial Abuse In Divorce Tactics

Financial abuse takes many forms. These are some of the most common examples of what narcissists might do to use financial abuse in divorce proceedings to maintain control over your life:

1. Hiding Income or Assets

An abuser may attempt to conceal money, savings accounts, or investments to make it appear as though they have less than they do. This could limit the entitled financial settlement.

One victim shared, “He told us he was so poor that our church had to pay his mortgage and car payment—almost $2,000 a month. But when my lawyer looked at his financial records, we found out the truth. He spent thousands of dollars on alcohol and other bad stuff, and even putting a lot of money into his retirement account while pretending he had no money.”

2. Cancelling Credit Cards or Withholding Financial Support

It’s not uncommon for abusers to cancel shared credit cards or refuse to pay child or spousal support during the divorce process, leaving victims unable to meet daily expenses.

3. Overwhelming With Legal Delays

Dragging out divorce proceedings is another method of control. By filing unnecessary motions, refusing to negotiate, or missing deadlines, abusers increase costs and prolong the emotional strain to maintain dominance.

4. Sabotaging Employment

Some women report that abusers interfere with their ability to work—such as creating emotional stress, harassing them at work, or withholding child care arrangements—to keep them dependent on the abuser’s finances.

The abuser uses these tactics to exhaust you, and designed to make you feel stuck. The good news? You can overcome them.

5. Manipulating Child Visitation

They might withhold child support payments or use visitation schedules to intentionally disrupt your financial planning.

What It Feels Like

Post-divorce financial abuse can feel relentless. Another victim of financial abuse after divorce said. “For over two years, I dealt with him purposefully withholding child support and blocking me from accessing what the court decided was mine.”

How To Protect Yourself From Financial Abuse

Protecting yourself from financial abuse requires awareness, preparation, and boundaries. Here are the most effective actions to take:

• Work With a Trusted Family Lawyer: Hire an experienced lawyer who understands financial abuse. They can help you subpoena records like bank statements and tax returns, ensuring hidden assets don’t slip through the cracks. Discuss protective measures like restraining orders, mediation, or legally established limits with your divorce attorney. These can stop further harassment or financial tampering.
• Collect and Organize Financial Documentation: Gather everything—pay stubs, credit card statements, bank records, tax returns, and more. Keep copies in a secure, private location or store them digitally for easy access.
• Open Individual Accounts: Set up a personal checking and savings account in your name. Immediately update your paycheck direct deposits and remove your abuser’s access to shared accounts.
• Learn Strategy: It’s imperative that you learn how to think strategically about and communicate with a narcissist. Enroll in The Betrayal Trauma Recovery Living Free Workshop to learn more.
• Seek Expert Emotional Support: You don’t have to go through this alone. There are resources, like the Betrayal Trauma Recovery Podcast or group sessions, where women who’ve faced similar challenges can offer advice and emotional support.

Finding Empowerment & Healing from Financial Abuse During Divorce

Financial abuse is one of the hardest forms of abuse to endure, especially during something as emotional as divorce. However, with the right tools, planning, and support, you can rise above it. Remember, what they do says a lot about them—and nothing about you. Focus on building your own emotional and financial security, so you can live free from their control.

If you’re struggling to process or prepare for financial abuse, Betrayal Trauma Recovery is here to help, join one of our group sessions for women or explore our workshops to gain valuable skills in navigating financial and emotional abuse.

You deserve safety, security, and peace.

Transcript: Financial Abuse in Divorce: How To Protect Yourself

I have Brenda on today’s episode. She’s going to share her expertise as a financial advisor about financial abuse in divorce. Welcome, Brenda.

Brenda: Hello, Anne. It’s really good to be here

Anne: Thank you so much for coming on today. Let’s talk about finances.

Brenda: Because everyone is always so excited to talk about finances, right?

Anne: One of the things I want to ask victims is, if you had a billion dollars, would you stay married to him? And the answer is usually no. They’re so afraid because they’re trapped. They don’t know how they’re going to take care of their kids, and they don’t want to work. They didn’t sign up for that.

Sometimes they do work, but figuring out how I support a family by myself is so overwhelming. What are the best ways to take financial stuff off the table, so women can make decisions based on their safety, not finances?

Brenda: I love your question about if you had a billion dollars. I think that’s very clarifying.

Gathering Financial Information

Brenda: And that gives an indication of, are they staying in that space, relationship or marriage because they hope things will change? Or is it simplified? Is it solely financial? And then if the answer to the billion dollar question is no, I would not stay here. I would want out. Information is power. So that’s where you start gathering information. And oftentimes, an individual who does leave an abusive relationship might have the means, they might be protected.

They might be okay financially. But someone keeps them in the dark, perhaps about their financial situation.So they might not have the financial records, they might not know what their spouse makes. They might be on an allowance. If you don’t have financial information about your family. Or if your family’s financial situation is in shape. It’s hard to know. You’re just in a space of fear because it’s unknown. Will you face financial abuse in divorce?

So the first thing is to become knowledgeable, if you can, about your true financial situation. Sometimes it can be overt. They could talk to their spouse about needing access. And depending on whom they’re dealing with, they might get it. Or, if they don’t have any access, then it becomes, let’s call it a treasure hunt. Where you’re picking up bits and pieces of the financial picture to try to understand what your options are, what your situation is.

The other piece of that, if you’re considering leaving and if leaving means divorce, is to get smart about what the rules are in your area. I’ve heard it said there are like 33 hundred counties in the United States, something like that. Don’t quote me on the exact number.

Financial Abuse In Divorce: The Importance of Financial Knowledge

Brenda: And there are just as many ways to be divorced. So rules vary state by state rules and rights. They vary from municipality to municipality. That at least gives people grounding or information data to start figuring out, you know, would they be okay?

Anne: In The Betrayal Trauma Recovery Living Free Workshop, we have a section about finances, and Living Free is not about getting divorced. It’s about seeing reality. In the beginning, when women got to that part, they were like, does she want me to get divorced? And the answer is not yes or no. I’m not trying to push anybody in any direction, but I want them safe. And financial safety is such a huge part of this puzzle.

In Living Free, when people talk about physical abuse, many people who listen to this podcast are not necessarily physically assaulted. They’re not being punched, they don’t have bruises. They’re experiencing emotional and psychological abuse and coercion, it’s difficult to see. I want people to start to think about the threats of not having a home, not putting food on the table, not having a roof over your head, not being able to pay for gas to get around, that is a physical threat. This is why getting to physical safety is part of deliverance from abuse.

Brenda: Sure. It’s your basic fundamental human needs.

Anne: Exactly, so if they’re threatening, if you divorce me. Then you’ll never be able to take care of yourself. There will be financial abuse in divorce. Are you thinking that in your mind is a physical threat? It’s extremely physical, and I see it as physical abuse. So think, is this threat of physical harm the thing that keeps me from getting to safety?

Steps To Financial Safety

Anne: Being educated about your finances and what you need is one step toward not just financial safety, but also physical safety. Because if you know you can take care of yourself, that is such a relief. Even if I never got any money from him, I could keep a roof over my head, pay my bills and buy food. That sort of thing.

Brenda: And it lets people figure out what other information they need and what decisions they need to make. If baseline is, oh, I could… Everyone is different. I could go back to work. In our area. There are programs that help women in abusive situations retrain and get to a living wage. Is that available near you?

Do you have enough assets that you have every right to take? Every situation will be different. But unless you have the information, you can’t figure out what your next steps are.

Anne: When you said talk to him, that made me nervous, because I was like, whoa. You might tip him off, and then he might start hiding money, which is financial abuse in divorce. And he might start manipulating you. So aside from talking to him, what tips do you have for how they can start to find information about their finances?

Brenda: I’m just going to backtrack to talking to him for a minute. Yes, it could. And everyone knows their relationship and situation better than anyone else. I have had people who will get the information, and they do use a ruse. It will be, I need it to sign Susie up for soccer, or I want to go to this workshop with my sister, and learn how to understand taxes. Can I have our tax return?

The Role Of Credit Reports

Brenda: So it might not be overt, and they still have access to the information. I would say anywhere you can get it. If you can get logins, yes, then you can go online. However, there are flags there, because if you log into the bank account, that bank account or credit card might register the login.

They might be set so that there’s an alert. Someone logged into your account at 2:24 this afternoon. You got to be aware that that’s out there too. If. You are in such a situation where you’re cut off from all of that information. So it just as asking someone directly could present danger, know that logging into things could as well.

Anne: That is a good point, I hadn’t thought of that. I like the ruse idea, that, hey, I’m going to be logging into this thing, can I have the login? Because I’m doing blah blah blah, that is a reason not related to him. Not like, you seem like you’re an abuser. I’m considering leaving you, and I don’t want to experience financial abuse in divorce. Can I have the login? It’s probably the worst idea, I think

Brenda: You’re exposing yourself. So unfortunately, as you and your listeners all know, you’re walking a fine line, and they’re in a precarious situation, but they also usually know. I know from my own experience, I would often know the things that were going to, like tee up an issue, explosion or anger. Sometimes you don’t. And sometimes that’s another problem, right? It’s out of the blue.

Financial Abuse In Divorce: Facing Realities

Brenda: Hey, I just put cheese on that sandwich. I didn’t think it was going to. …cause World War III.

Anne: They get unpredictable when they feel like they don’t have control. And so that’s why I’m concerned about like, so many women have told me, oh, he’ll never do that. Never underestimate how much your narcissist ex doesn’t want to leave you alone. So many of our clients here at Betrayal Trauma Recovery, they’re like, oh, I’m getting divorced, but I’ve got it all ready to go. It’s going to go well. He told me he’ll always take care of me.

And then, like a hundred percent of the time, it does not. They experience financial abuse in divorce. And it goes the way he manipulated her to think it’s going to go, it always goes sideways.

Brenda: And the system is built for that. People often going through divorce think, I will be heard, finally. The system will protect me. I trust the system to do its job. It’s not going to. We don’t even know what the job is half the time. If you get all the way to trial, the decisions are being made by a judge who might be late for a dentist appointment.

They’re paying half or no attention to your story. And then they’re going to rule. You can’t trust the system, you can know the rules. You can try to figure out what is your bottom line? What’s your worst case scenario? Where are you protected? Where are you exposed? But circling back to like where you can get the information.

Becoming Your Own Investigator

Brenda: You turn yourself into a little sleuth. So your own little private investigator, do you get the mail when the mail comes in? Do bills come? You can order a credit report, and you can do that separately. So at least, you know what credit cards exist, and how long they’ve existed. That’s another way that sometimes exposes hidden debts or hidden money.

It depends on your situation in your household and where the safe conversations are. And a lot of that is, I would say, catering to the abuser.

Anne: I would say strategically talking to him rather than catering, but yes.

Brenda: Yes, so you’re figuring out. What is the information you’re looking for? How can you get it? What is a viable reason for having it that isn’t going to create a situation that’s going to make life more difficult for you? And worsen financial abuse in divorce.

Anne: Getting a credit report. That’s a good idea, because then you can see the stuff that he’s pulled. Can he have his own separate credit report that she can’t see some stuff on?

Brenda: Yes.

Anne: Okay, so she wouldn’t be able to see like a credit card that he applied for all by himself.

Brenda: Depending on the information she has, she might order a credit report for him.

Anne: Oh, if she knows his information, she could order it.

Brenda: And the question you ask is what’s the bounce back? Is he going to be alerted that there was a credit pool, but you can find that out before you do it, rather than be surprised after. So it’s just a question to ask.

Anne: Yeah.

Overcoming Overwhelm

Anne: What I have found with victims is that the whole situation is so overwhelming. Trying to make decisions, trying to figure out what to do, is so overwhelming. It feels like you’ve got problem after problem, after problem just piled on top of you. That’s why figuring out how long it will take to recover from your husband’s emotional abuse is impossible. And there’s no way to get out from under it. Talking about maybe just doing one thing today to try to reduce the overwhelm when it comes to finances, any ideas there so that it’s not so overwhelming?

Brenda: So are you asking in the case of someone who plans to leave the relationship?

Anne: No, here at Betrayal Trauma Recovery, we only talk about safety. So just so that you are financially safe, so that you feel financially safe. And also so that you know how much money you would need if he divorced you, for example. So this physical and financial safety, what I’m talking about, is just being. educated about your financial situation. How much your house payment is, how much houses cost in your area, how much you could make if you got a job at the library.

You know, just basic information. I feel like information leads to emotional, financial, and physical safety when it comes to like, how much do I need to have a roof over my head? And I think regardless of what path you take to safety, you need to know this. There may be financial abuse in divorce.

Brenda: You’re looking at four major categories. What you have, what you spend, what you owe and what you earn. And anytime you start accumulating that information, it’s also future casting, right? You can then picture yourself perhaps in a different situation or safer situation, because you’ve got a little bit of that information.

Financial Abuse In Divorce: Building A Secure Future

Brenda: What can you earn, like you said, what can you earn working at the library? Were you working, and maybe you were a teacher, and your credentials are out of date? What would it take to get those back? So you can be hired. Are schools in the area hiring? Is that something you would want to go back to? So it’s all building information. So you can be more prepared if there is financial abuse in divorce.

That would be in the what you earn category. What it takes to live? You can get online, or if the newspaper still exists in your area, get a newspaper. What does an apartment cost? Do you need a car? What would that cost? Do you currently have one? Just starting to put together the pieces of what would it take for you to be secure food, shelter, clothing?

Is that available to you? What are your options there? Every little bit of additional information you can gather is more than you had before. And hopefully both empowering and putting you in a safer place, just because you are then more informed.

Anne: You saying that reminds me of this class I had in high school. In high school, we were paired up with a partner. Mine, his name was Tony. I remember this well. And then we drew little slips of paper for, like, your job. Different things about you and you pulled them out. That was your scenario. I was paired up with Tony because he had a car and I didn’t, and we were to go out and find an apartment. that we could afford and buy groceries and figure it all out.

High School Class About Finances & Gathering Information

Anne: So we would drive around, and that was so helpful. I was like, whoa, it was at that time that I personally decided to go to college. Because I had a job at the time, and I knew there was no way I could afford this apartment on the job I currently have that I do after school. And it helped me put two and two together as a teenager.

But then I’m thinking about the divorce coaching clients we have at Betrayal Trauma Recovery, because many of our coaches are certified divorce coaches. And I remember one of them was talking about one of our clients, who she thought I could never do this. I can never do that. But once they went through all the financial stuff, she realized that all she needed was an extra thousand dollars a month. That was it.

Then when she figured that out, she thought, Oh, I can easily get a job that earns me a thousand dollars a month. And I’d still afford my house. And once she had that information, she could move forward on the path she thought was the safest for her. Getting this information is so helpful. And especially if you don’t know what you want to decide, I think getting the information will help you make that decision.

Brenda: When their faces light up and they’re like, Oh, I can do this. I’m going to be okay. And sometimes at first blush, the first pass at looking at what it’s going to cost might not be okay, but at least then they know what it’s going to take. Maybe we can’t be in safety right now, but this is what it will take me to get there.

Personal Financial Realizations

Anne: You’ve had personal experience with this. Can you talk about how these issues came into play with your own personal experience? How did infidelity or financial abuse affect you in divorce?

Brenda: As I went through years and years of my relationship, it became more abusive and more covert. And when I look back now, I can say, Oh my goodness, what was I thinking? Who was that person? And there’s a lot of shame. There’s a lot of guilt. There’s a lot of baggage in the things that became okay over the years. And I didn’t see it until I was away from it. I knew in my heart that it was not okay to be screamed at in the street because of some small thing, right.

And called names, and repeatedly verbally abused. But it happened so gradually over time. That it was just my normal. It was what I was used to. And it took starting to step away from the relationship to look back and reframe and see how bad things were. There were times when my husband literally asked other women out in front of me, and then gaslit me. Like, oh no, it didn’t happen that way. You’re making a big deal out of it.

https://youtu.be/F1AfegOLcU4

She’s just a business connection or whatever. Which it sounds telling now, like how on earth could you stand there and watch that happen? Go home and make dinner, and put the kids to bed or whatever our normal was. And I think it was just normalized. And the only way I got clear on this is not okay. Was with people, either friends or professionals, who after a while could see and validate.

Financial Abuse In Divorce: Support & Validation

Brenda: Oftentimes, we’re told, oh, that’s not a big deal. Oh, he had a bad day. Oh, whatever the excuse is, it’s still an excuse. And it is not okay to diminish people, swear at people, abuse people and hide information. And then with people who are, again, professionals, the therapist who, instead of saying, this is how you accommodate him. Who say, how do we support you?

And I see you and the behavior. It’s not normal, rational or acceptable, but sometimes it takes getting permission, I think from others. Who instead of saying, suck it up, you can do this, you just have to keep accommodating. Say you are worthy, whole, valuable, and this is the only life you have. You don’t need to live it this way. Once you start getting more voices who are giving you that support, you can start to see a different reality.

You can start to see space where you can have a valuable life. Where you can control your own decisions, where you’re not always walking on eggshells waiting for the next blow up or bad thing to happen.

Anne: Yeah, I think so many women, at least women, who come to Betrayal Trauma Recovery, have been to a lot of therapy. They’ve asked their friends and family for help, and often, no one has told them, this is abuse. Many of them have experienced financial abuse in divorce.

Brenda: It’s how you can change, how you can accommodate, how you can change yourself and make it okay. But the answer I think is, it’s not okay. It is abuse, and no one deserves that.

Financial Decisions & Safety

Anne: Once women realize, once I realized it, through whatever way they do it. Some women learn it from listening to the podcast. There are many ways that you can realize, oh, this is abuse. Then when you’ve got the right pair of glasses to actually see reality for what it is. Then you can start making decisions, that help you start healing from this hidden abuse. Which I think comes into the financial piece. Because once you know the reality of your financial situation, you can start making decisions.

I’m thinking of another woman who thought her husband had a ton of money. And so she thought that in divorce, she would get a lot, so she wasn’t worried about getting a job. She wasn’t opposed to getting a job at all. She just didn’t think about it. Then when she found out more, she realized he was in so much debt that it was better for her to not take anything from him and just let him have his debt.

And then she was free to build her life the way she wanted, and not be saddled with all the debt he had accrued. And in her situation, that helped her move forward, realizing I’m going to go back to college and start a career.

Brenda: We are then working through their finances and what’s feasible, and just call it, what does it cost to live? That’s what we’re really figuring out. A woman in an abusive relationship trying to figure out what her options were. And at first blush, she looked at what now she had access to their finances. And could protect herself from financial abuse in divorce. But she looked at what they had. She’s like, oh, I’m going to have half a million dollars. I’m set for life.

Planning Ahead

Brenda: Let’s work through this. Let’s do the math and figure out what would it take for her to live for her kids, for their schooling, for their, all the things. And it came up to about a hundred thousand dollars a year. So half a million dollars after taxes, call it $350, 000. That’s going to get you through about three and a half years. So now you have that information, good. You’re going to be okay for three and a half years. And then what?

Or, if you don’t want to dip into that, what are your options now? For me, every little bit of information you have adds to the pieces of this puzzle you’re putting together for what your life can look like. What is safety to you? What is acceptable to you? The more information you have, the better you are able to make your own decisions. And protect yourself from financial abuse in divorce.

Anne: In some cases, I hear about women hiring a forensic accountant, and professionals like that help with their divorce cases. Can you talk more about specialized services like a forensic accountant? What does somebody like that do? Things that women might need to consider when looking at finances.

Brenda: So a forensic accountant will dig deep into the nitty gritty of the family finances. Sometimes looking for misspending, hidden money, things like that. Sometimes involved in putting values to things. So if you’re dividing things, you got to know what you’re dividing.

What is it worth? So a forensic accountant is often worthwhile when there are big financial questions or money might be hidden somewhere. It’s harder and harder to hide money. Because there’s an electronic trail, a paper trail, and tax trails, for almost every transaction we do.

Financial Abuse In Divorce: The Cost Of Financial Investigations

Brenda: Unless you’re dealing in cash or trade, it has a trail, so it’s harder to hide. It’s not impossible, but it’s harder. For most people, it’s not necessary if you don’t have a complex situation. Often hired, often overkill, if there’s not a lot of money at stake. So I had a client come to me about a year ago, and she was sure, absolutely sure her husband was hiding money. But when we kept talking about it, the amount she thought he was hiding.

It would have cost her so much more money to find it than it was worth. So we’ve got to figure out what it’s worth. Is it millions at stake? Are there tens of thousands of dollars missing? Then it’s probably worthwhile. If we’re talking a thousand dollars, that might have set aside. You will probably pay much more in professional fees to track that down. Than you’re ever going to get back.

As you’re approaching all this and trying to get smarter about your financial situation. Whether you’re aware of everything. Some of the good questions to ask yourself are at what cost? What’s the return on that investment? If you get that information, is it $5 or $50,000? How much are you willing to spend to get it? A forensic accountant is expensive.

The spouse took out a credit card that his wife wasn’t aware of, and spent it on pornography, and a woman in Eastern Europe he kept sending money to. So he would draw it off the credit card. She was incensed, and she was very hurt. They actually went through the divorce process, and she wanted an accounting of what he had spent. So she wouldn’t be a victim of financial abuse in divorce.

Is It Cost Effective To Investigate?

Brenda: And I completely understand that. They weren’t in a financial situation where they could throw money away freely. But in fact, what he had spent was about $500. It was a lot, but it would have cost so much more to trace that money. It wasn’t worth it. So in that case, she knew about it. They could use it in their discussions. She’s never going to get that money back. He already spent it, but tracing it wasn’t worthwhile.

Another woman did go through, it was 10,000 pages of credit card bills they gave her in a hard copy. But we found $250,000 that he had spent on a girlfriend. That was definitely worth it.

Anne: So, depending on what it is, I feel the same way about alimony, for example. If the lifetime value of spousal support is $80,000, let’s say, like $10,000 for eight years, and you spend $150, 000 getting that. You should think about the numbers here. When dealing with financial abuse in divorce.

Brenda: Do some math.

Anne: Yeah, you do some math and figure that out on the flip side of this. I have heard of a few victims who are like, I will start hiding money, and they have the impression, and this may be true. I am unschooled on this part of it. So they’re like, I’m going to start putting money here so they can’t find it, so I’m not going to get stuck paying him alimony.

Can you talk about that? Is there a way to legally protect yourself from that? For women who think there is a way to hide the money, can you maybe talk them through this situation?

Brenda: Maybe, but at what cost?

Legal & Ethical Considerations

Brenda: First of all, is there a legal way to hide money? Not really. In that case, if you’re going through divorce, you’re signing a contract on file with the court. And you’re essentially saying whether it’s mediation, collaborative process, litigation, whatever you go through. Every document I’ve ever seen says I told the truth and disclosed everything. So that’s pretty heavy.

If you’re going to hide money and you’re still okay with signing that, and then it’s found out later, you’re not in a good situation. So again, was it worth it? Is there a legal way? There are tricks that people and groups will share about how to stash away a little cash. Sometimes it might be necessary. I’ve seen partners cut their partner off and stop paying the bills out of spite. That is financial abuse in divorce.

Anne: That happened to me. I was completely cut off from finances, yeah.

Brenda: If you could be at risk and say physical safety of not being able to have food, shelter and clothing, you’re not able to live safely. Can you set aside money? Yes, the hiding it part is where it gets tricky. If the money is marital, you have a right to it. It is not uncommon. I’m here not working, raising the kids, and I don’t have anything of my own. Yes, you do. You have just as much right. You’re not being paid for your work, but it’s not his retirement account. It is marital.

There’s a caveat to everything. If he had it before you got married, that part’s not marital. But anything earned or saved during a marriage, unless it’s a gift or inheritance, because again, caveat, is marital, you have a right to it.

Financial Abuse In Divorce: Different Laws In Different States

Brenda: It’s not like you’re hiding and stealing if you’re taking money to ensure you can live.

Anne: In my case, I had paid $100,000 of his school debt when we got married. That was pre-marital assets in my case, because I was a teacher for 10 years and saved well and a bunch of stuff. And I did not get that back, because I apparently commingled it. Then my grandma, when she died, had given me a small sum of money. You’re saying if it’s an inheritance, it’s yours.

During mediation, instead of saying it’s the law, I’ll give it to her. He said, I know how much she loved her grandma, and I would never want to take that away from her. As if he was just being so nice. Instead of me realizing in that moment, he was just trying to look good when he had to give it back, no matter what.

Brenda: He had to give it back if it stayed in your name. If you put it in a joint bank account, not the case.

Anne: It was in a joint bank account. So maybe he was “being nice.”

Brenda: Yeah.

Anne: He wasn’t.

Brenda: Exactly, he was looking good.

Anne: For whatever reason he wanted to look good.

Brenda: I guess this is the difference between a financial advisor who you might have to help plan your retirement and what have you. And a certified divorce financial analyst, because divorce has its own money roles. They are actually different partnerships, depending on the state you live in, and can have their own money rules. Some recognize it like a common law marriage, even if you’re not married. Others don’t, and your rights vary depending on where you live.

Anne: Yeah.

Empowerment & Rights

Anne: That’s good to know. With your financial experience, what would you say to women skeptical about their financial future, victims of financial abuse in divorce?

Brenda: I would say you have value and rights, it is in your best interest to know them. Sometimes you’re not going to like what you learn, but you’ll have the information you need to start seeing a different future. To take control of your own situation. Even if it’s a little thing at a time, if you are not safe, and that doesn’t feel good. And you’ve been gaslit or brainwashed to believe you don’t have rights to have financial information.

Everything in the marriage belongs to the abuser, not to you. You have been told you’re lucky to be there. I would say you’re probably not lucky to be there. The more you surround yourself with the support of people who tell you that you have value, that you have worth. As challenging or huge as moving out of that space might seem. Even a little step, like a little crack in the situation, can then become bigger.

Hopefully, you’ll find yourself in a space where you are safe. Whether it’s married or not in a relationship, where you are safe and valued. Often in an abusive situation, you are made to feel small, and as though you owe something to the abuser. You don’t, you are complete, whole and valuable. You don’t have to give in to financial abuse in divorce.

Anne: Thank you so much for coming on today’s episode and sharing your thoughts. I appreciate it. Her website is bridgingdivorcesolutions.com. Brenda, thank you so much for taking the time to talk with me today.

Brenda: Thank you, I appreciate it. I appreciate the work you do. It’s incredibly important.