safety and emotional readiness
When people start contemplating separation, their first thought is usually about the money. They want to know who gets the house and what happens to the pension.
There is likely a reason you’re contemplating separation. Things aren’t working. You want out of this painful period as soon as possible. Get the money sorted, you think. Tell me how bad it’s going to be, and then let’s get on with it.
Those questions matter. They are not the first ones.
I will say it plainly. If you move into a money conversation with your partner too quickly, you can end up in a situation that harms you.
Safety comes first
First, ask yourself whether you have any safety concerns. If you think your partner may react badly to a separation, or may harm you, talk to someone who understands separation and intimate partner violence before you take any other step. Those steps include anything your partner could see: a text, an email, a new bank account, a search on a shared device.
Do not do anything until you talk to a professional who understands what can happen when one partner tells the other they want to separate. In BC, you can contact BWSS at 1-855-687-1868.
At a minimum, if your partner controls the family finances, put protections in place before you discuss money. Money control is one of the most common forms of control in a relationship. It can make leaving impossible.
In an emergency, call 911. VictimLinkBC (1-800-563-0808) is free, confidential and available 24 hours a day in many languages. It serves anyone, of any gender.
This is why I wrote Screening 101. A professional who doesn’t screen for family violence can walk you into a process that isn’t safe for you.
Once you are safe, ask a second question. Can you afford housing and basic needs while you work through this? If you can’t answer yes yet, that is the next thing to solve. You can’t make good decisions about property while you are worried about where you will sleep.
When both answers are yes, you can start learning about the next steps to separate financially.
Your emotions are part of the process
Most people assume separation is about dividing money. Money is central, but the process is deeply emotional.
It is easier to talk about property, child support and spousal support when you are not in the middle of a crisis. It is easier, though still not easy. Professionals who centre your well-being will tell you to build emotional support before you dive into legal and financial matters. That is your first signal that a professional is the right fit. They know that legal protection and financial security only work if you can absorb and act on the advice you are given.
Here is where I start.
- Validate your feelings. Grief, anger, relief and fear can all show up in the same afternoon. None of them mean you are doing this wrong.
- Be kind to yourself. You are doing something hard.
- Find people who have been where you are. Look for someone who came out of separation steady, with less conflict with their former spouse than they had before. That is your model. Ask what helped them. Ask who they used for emotional support. If the conversation goes well, ask whether they’d be willing to mentor you. They can point you to the groups and professionals that worked, and you may find helpful groups in your community along the way. A mentor is for emotional support, not legal or financial advice. What worked for them may not fit your situation.
- Choose a professional who understands family violence. Look for a coach or therapist trained in family violence and coercive control who screens for it. Unfortunately, this training isn’t always required. Ask people you trust for referrals.
- Build a support circle. Friends and family can listen, but they likely don’t understand how the justice system works or how coercive control operates. Choose people who can listen without taking sides or trying to fix it.
- Check in with your children. They need time to adjust. They will take their cues from you.
Why this is a money issue
Emotion drives conflict. Conflict drives cost, and it also drives more conflict.
If you don’t address the underlying conflict productively, your separation will cost you thousands now. It will cost you again when you try to rebuild your life on reactive decisions instead of collaborative ones.
Most high legal fees come from conflict, not from the complexity of dividing property. A clear-headed person uses a professional’s time well. A person in crisis uses it to be heard, and that is an expensive way to get support. A lawyer is not the right place for it.
Coaches and therapists trained in divorce understand the impact of a separation. They can give you tools to navigate the process. Lawyers may have picked up some of these tools over the years. They may not have. It’s not their training. Hire someone to support you emotionally. I explain who does what, and what each costs, in Choosing a Family Justice Professional.
The most effective way to lower the cost of your separation is to support yourself emotionally throughout. It sounds soft, but it is the most practical advice I have.
What this looks like in practice
Before you meet with anyone about the legal or financial side, check three things.
- Are you safe? (Talk to a professional if you have any doubt.)
- Can you cover housing and basic needs?
- Who is on your side emotionally?
If you can answer all three, you are ready to start. If you can’t, work on those first. Most of the process will still be there. Some deadlines apply, though. The Basics post covers them.
Next in the series: Understanding the Basics.
