Divorce at 45 can turn a comfortable financial routine into two separate balance sheets almost overnight. The house may attract the most attention, but retirement accounts, debt, taxes, insurance, and future income can shape the next 20 years even more.
That makes the property settlement only one part of the financial work. A home worth a lot can still create problems if the mortgage stays tied to two people, while a retirement account can look smaller on paper yet carry enormous long-term value. Seven decisions deserve a close look before the dust settles.
