Financially Ever After Widowhood

Cindy Gunraj is a certified divorce coach, author, and the CEO and Founder of Stillness Blooms- a platform for people going through difficult life changes and in need of support. She joins Stacy Francis to chat about how to draw on your family’s support in your divorce. Here are some highlights from their conversation: Cindy reached her breaking point, and realized that she would have a better life if she were no longer married. As women, we sometimes base our worth on how good of a mom we are. When you have a difficult goal and are without support, being able to envision meeting your goals and devising a plan are key. People come into our lives to teach us something. Resources Reach out to receive a complimentary consultation. FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008 Cindy Gunraj: [email protected] LinkedIn | Twitter Winning Your Parents' Approval for Divorce: 7 Practices to Leave Your Marriage with Their Blessing

Randi Karmel is the Owner of Randi L. Karmel, PLLC. Randi has been practicing law for over 20 years, acquiring extensive litigation and trial experience. Randi currently represents clients in negotiating prenuptial and mid-nuptial agreements, separation and settlement agreements and actions for divorce that include equitable distribution, maintenance, visitation, support, and custody. She joins Stacy Francis to talk about the coronavirus and its impact on divorce processes. Here are a few highlights from their conversation: Current legal limitations of filing actions in court How to co-parent and do what’s in the best interest of your child Who to speak to if you decide to move forward with divorce proceedings How to put your differences aside in order to do what is necessary during this time of crisis Resources Randi Karmel on LinkedIn RandiKarmel.com Reach out to receive a complimentary second opinion consultation. FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

This week, we bring you a special episode of Financially Ever After where your host, Stacy Francis, answers your questions on how the impact of COVID-19 may impact your financial situation - especially if you are going through divorce or are recently divorced. Stacy will answer important questions such as: What should I do with my money now? Will this downturn impact my divorce settlement, child support or spousal support? How can I best protect myself and my family? I don't have the long-term to recover from this. When do we pull the "emergency cord" and go to cash? Should I use this as an opportunity to invest the extra cash I have? Visit francisfinancial.com/podcast/ and click email me new episodes and we will send you the invitation to our free virtual HIIT and yoga workouts. If you have any questions about your personal financial situation, please also click submit a question and we will be sure to respond to you! Resources Reach out to receive a complimentary consultation. FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

Nicole Noonan of New Chapter Capital is a former attorney with years of experience seeing women boxed in with financial challenges during a divorce. Divorce can be expensive; the average divorce in New York costs 17k per person, and can sometimes be much worse. This fact can keep women trapped in marriages they don’t want to be in, and unable to get the kind of legal and financial support they need. Stacy and Nicole talk about divorce funding, why it’s an important tool, and who it can be helpful for. Some of the highlights of their conversations include: · Sometimes you have situations where one of the spouses in a divorce is moneyed – having much more access to cash than the other – for those non-moneyed spouses, divorce funding can be a powerful option. · Not all segments of the attorney population offer something like divorce funding, and communicating what it is, how it works and why it’s a good thing is one of Nicole’s biggest challenges. Stacy believes it is going to catch on in a big way. · Many attorneys recommend not changing your spending – it’s not the time to make big extravagant new purchases – but what if you don’t have the resources to maintain your current lifestyle? Resources Reach out to receive a complimentary second opinion consultation. FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008 Nicole Noonan: New Chapter Capital Phone: 212 404 7807

Lauren Gaynor is a Litigation & Real Estate Partner specializing in Matrimonial Litigation at Teitler & Teitler. She chats with Stacy Francis about custody, child support, and how to make your divorce easier for your children. Here are a few highlights from their conversation: During your divorce, finding the right attorney in matrimonial is important to achieve an emotional fit. The amount of time your child spends with you is a key factor in child support calculation. Being too specific about what expenses child support covers can box you into a hole. Divorce works best for the children when parents can get along for their children’s sake. Resources Teitler & Teitler Lauren Pruzan Gaynor Teitler | LinkedIn Francis Financial

Turning Divorce into a Positive This week’s guest is Gabrielle Hartley, a divorce mediator who is known as a case closer. She has been able to keep 99% of her cases out of the courtroom. She chats with Stacy Francis about how she manages to move her clients through the divorce process without using the courts. She also discusses why she believes divorce can be a positive in your life. Gabrielle is committed to leading the positive divorce movement because her own parents had an amicable divorce. The ‘Better Apart’ method helps you to clarify your thinking through the lens of patience, respect, clarity, peace, and forgiveness. Gabrielle reminds listeners that you are whole just as you are; your family is not broken, it is transformed; your child’s life is not shattered, it is reconfigured; and this is the perfect moment to reassess what you want from your life, and to have the confidence to activate your inner agency. Stacy takes away three new tools from this week’s show. Her new ‘screwdriver’ is the bookending exercise. Resources Reach out to receive a complimentary consultation FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008 GabrielleHartley.com Better Apart: The Radically Positive Way to Separate

This week’s guest on Financially Ever After is Dana Stutman, a matrimonial divorce attorney who runs a successful private practice in partnership with her husband Michael Stutman. She brings a unique insight on the topic of being in business with your spouse, and shares important tips women can use to protect themselves and their family in the event of a divorce. A partnership agreement protects you, your spouse, your team and your clients. You don’t want the business to suffer as a result of what you and your spouse are going through. The breakdown in communication is the biggest problem in marriages. Dana broaches the sensitive topic of prenuptial agreements. Stacy shares personal information about her struggle with being a business owner and what would happen if she and her husband divorce. Resources Reach out to receive a complimentary consultation FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008 [email protected] Stutman Stutman & Lichtenstein, LLP

In this episode of Financially Every After, Stacy Francis speaks with Bari Tessler, the author of The Art of Money. They talk about how your relationship with money can impact all aspects of your life, the unfortunate fact that many of us had inconsistent, or totally absent financial educations, and the surprising ways our bodies can physically react when it comes to making decisions around money. This is a fascinating episode, filled with practical tips and actions you can take to transform your relationship with money. Her student loan coming due made Bari realize that she didn’t have a healthy relationship with money. She set herself the goal of becoming financially literate. Bari advises you to have a weekly money date with yourself. Start with the money healing process before getting to the practical aspects of transforming your relationship with money. Getting support is one of the strongest and bravest things you can do. Resources Find out more about the Second Opinion program FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008 Learn more about Bari Tessler: BariTessler.com The Art of Money

Host Stacy Francis welcomes attorney and social worker, Kristen Lyndaker to this week’s show. Kristen holds a Master’s degree in Social Work and has worked in the foster care and adoption field. She is also a practicing matrimonial attorney who specializes in Collaborative Family Law and Mediation. This area, she says, is a niche in law where she could combine her social work skills and family and child knowledge with the legal system to help people. Stacy asks Kristen how her experience with social work as well as mediation changes the way she looks at the divorce process. She responds that she looks at what’s best for the family as a whole instead of advocating for one client. She empowers her clients by showing them all the options at their disposal. An adversarial approach is rarely necessary, she says, as it does not serve most couples’ and families’ needs. [4:24] Kristen explains the difference between mediation and collaboration and why collaboration is being used more and more these days. [6:19] Mediation and collaboration is voluntary, Kristen says. Even if you do litigate, most likely your case will end up in settlement, usually 18 months and thousands of dollars later. You can have the same result, plus save time and money, by choosing alternative dispute resolution. You also walk away feeling empowered, knowing that you made meaningful decisions for your children and your future. [10:13] Kristen shares some practical tips she uses to keep couples from falling into litigation, including looping and taking notes. [13:32] You can take five routes to divorce, and for each route, you give up a certain amount of control: Litigation - you give up total control because the court decides your future. Collaboration - you work through an attorney who looks to you for guidance about what’s best for you. Mediation - you have more control but less legal guidance and structure. Do It Yourself - all the control but no guidance. [17:42] Kristen advises you to align yourself with a professional who has your best interest at heart, and who you feel comfortable working with. [19:35] Going to court might be the best option if there is distrust and a lack of transparency. It’s also the right choice in cases of abuse and domestic violence. [20:37] Stacy asks how children can be protected through the divorce process. Kristen says parents should remember that their children love them both. She urges listeners to follow the Children’s Bill of Rights as well as the Parents’ Bill of Rights, to protect children during and beyond this scary period. When children are older and they start asking questions, answer them in an age-appropriate manner without disparaging the other parent. Always let them know that they are safe, loved and protected. She recommends speaking with a mental health professional and praises the work of the Ackerman Institute. [22:27] Children love routine and consistency, so try to maintain the status quo as much as possible. However, things might have to change and it may not be ideal, but do the best you can in your situation and move forward. [29:32] If your relationship is looking like it will end in divorce, don’t let fear and anger take over. This is just a temporary situation and you’re going to move past it, Krista reminds listeners. Take care of yourself. Treat yourself like you would treat your best friend. [32:33] We’re all trying to do the best we can. As we get older and have more experience, we grow and learn more about ourselves. [36:53] Resources Kglmediation.com The Children’s Bill of Rights The Parents’ Bill of Rights The Ackerman Institute New York Association of Collaborative Professionals Find out more about the Second Opinion program FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

Mia Poppe had a successful 22-year career as a senior-level banker. Her own disastrous first divorce was the catalyst that led her to go to law school at the age of 42 and retrain as a matrimonial attorney. She now runs her own successful private practice. Mia joins Stacy Francis this week to chat about why it’s important to manage your money, knowing your value, and leveraging your capital into freedom. Mia got married the month after her college graduation, at age 22. Her marriage failed after 12 years, however. A few weeks later she realized that her ex-husband had cleaned out the bank account. There she was, she says, a senior level banker with 3 children in private school and other expensive family overheads, and no money. She had to seek public assistance to get grocery money. [7:20] Mia shares her story to reiterate that life can be unpredictable. Not having money puts you in an unduly vulnerable situation. It’s very important to manage your money and be financially responsible. She says that we owe it to our families and our communities to be givers into the public trust and not takers. [11:19] Mia encourages listeners to have their own business because no one will value you like you value you. Stacy adds that having your own business gives you more options and financial freedom. The only limits you have are those you place on yourself, she says. Business ownership teaches you to love, value and care for yourself the same way you care for your loved ones. [17:51] Stacy and Mia discuss the challenges of starting a business as a woman. Mia’s advice to women thinking of starting a business is to find a partner with like desire, hunger and integrity because collaboration gives you more ideas and synergies. You should treat your business like a Fortune 500 business, she says. [20:58] Personal and business finances should be separate. When they are commingled, and you enter a divorce, you are going to lose out. It also makes the divorce more expensive. [27:19] Women going through divorce, no matter their economic situations, have a fear of survival. Mia admits to having the same fear in her second divorce. [31:30] Mia counsels her clients to finance themselves, even if they need to retool to do so. She quotes Hernando deSoto’s book, The Mystery of Capital, to emphasize that we all have resources at our disposal that we can convert into capital. We can leverage that capital into freedom, to create the life we want. Having accountability partners are an important part of creating that life because they help you stay true to your goals. [34:40] Stacy says that money is a tool you need to build your life. It gives you options and opportunities, and even acts as a safety net, making you more comfortable with taking risks. [39:47] When people are going through a divorce they often lose their minds, Mia says. She calls it divorce psychosis. As such, she insists on handling custody issues first, to ensure that the children are taken care of in the best way possible. Only after a fully executed parenting plan is in place does she tackle money issues. [41:54] Resources The Law Firm of Poppe & Associates The Mystery of Capital by Hernando de Soto Find out more about the Second Opinion program FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

Ten years ago, matrimonial attorney Lauren Friend started her own law firm because she wanted to help people through the worst times of their lives. Her clients see her as their support lifeline, which helps them get through the divorce process as healthily as possible. Apart from working with adults however, Lauren also works with children as an attorney for the child. She chats with Stacy Francis about when an attorney for the child might be needed, the things divorcing parents need to know, including tips about how child support can be modified. An attorney for the child is appointed by the court when there are custody issues in dispute, once it’s determined that the parties cannot come to an agreement. [4:52] Stacy asks how Lauren is able to get the child’s opinion, but also a wider view of the situation. Lauren responds that she gets the child’s view and the reasons for his or her position, but she also speaks with all the treating professionals in the child’s life, such as their teacher, doctor and therapist, in order to get as full a picture as possible. [8:45] In allegations of abuse or neglect, an attorney for the child would be appointed very early in the process. [14:48] Lauren describes how she manages her attorney-client relationship with children. Toward the end of her representation she would have developed a bond with them, she says, and interviews become easier. She makes it clear to them that they will not decide the final custody arrangement, as empowering them to such an extent could cause extremely loyalty or guilt toward one parent. For this reason, she ensures that they understand that there are other factors being considered in addition to their view. [15:17] Stacy says that many listeners don’t realize that the amount of time that your child spends with you can impact the amount that you're entitled to for child support. Lauren explains that the court classes the custodial parent as the one with whom the child spends the most nights. This parent would get child support as well as add-ons. The add-ons are pro-rata based on income. [20:05] Stacy emphasizes that it’s important to know your child’s expenses to make your case for child support. [22:38] In New York state only the first $148,000 of a spouse’s income is considered for child support. Anything over that is discretionary. Lauren advises that it’s always best to work out an agreement with just your attorneys. [24:30] You can go back to court for a modification of child support, custody or visitation if there are substantial changes in circumstances. [25:27] The best advice she can give to divorcing parents, Lauren says, is to try to sublimate your feelings of anger and hostility for the benefit of your children. They are much happier and healthier in two separate happy households. [29:14] The courts take parental alienation very seriously. Judges have been known to switch custody in extreme cases. [29:45] Before you enter into a custody agreement, envision if it would work until your child is 18. Your attorney should also build in some loopholes into the agreement so there is room for modification without returning to court. [32:12] A question to ask yourself before you do or say anything is, will this help or hurt my child? [36:00] Lauren shares advice on how to choose an attorney if you’re thinking about divorce. [37:41] When she represents adults, Lauren is able to give her clients real life examples of how their actions may help or hurt children, due to her experience as an attorney for the child. [40:33] Resources LaurenFriendLaw.com Avvo.com Martindale.com Find out more about the Second Opinion program FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

Claire, this week’s guest on Financially Ever After, has lived through many hardships. She bravely shares her story so that listeners who may be in a similar situation can find some help and hope. Claire has been living month to month for the last year and a half. Her ex-husband decided not to pay alimony this month to spite her, so she has not been able to pay her bills. [2:34] In the beginning, Claire’s ex-husband treated her like a princess, but soon he started to get angry and blame her whenever he lost money at his job. [4:16] Claire was in a cycle of emotional and physical abuse but she had nowhere to go. She reached out to her parents to try to escape, but they said no. [8:43] We often associate physical, emotional and financial abuse with lower income. However, Stacy says, there is a secret that it happens in front of our eyes to accomplished women like Claire. [11:40] Claire still struggles with self-confidence and thoughts of suicide. Her animals and the 12 step program she attends helps her heal. She also practices staying positive and keeping her body positive. [14:19] When you’ve been a victim of abuse you’re a changed person, Stacy says. If you’ve been abused as a child you should seek support because you usually relive those cycles. [19:50] It’s important for women to have agency over our money because it gives us options to escape from unsafe situations. [23:15] Claire shares that she was abused as a child by a relative. [25:50] Stacy urges Claire and listeners to keep a network of support around them so that they can continue to be strong and make good decisions, now that they’re out of the past situation. With the right support around you, you can continue to make good decisions even though it feels like your past is pulling you back. [28:27] When Claire can’t find the strength in herself to carry on, she hears the voice of her son Tyler telling her how much she means to him. [32:20] Claire continues to be strong so that she can help someone. She has seen how honesty can strengthen one another. Stacy adds that she enjoys helping others in part because it makes her feel good about herself. Helping others builds our self-worth. [34:04] Animals love you unconditionally and they don’t judge. They help you heal. Stacy urges you to volunteer at a shelter. [37:52] Claire’s advice to anyone listening that’s struggling is to go deep into your soul and know that you are special. That glimmer of hope will help you get through the tough times. [38:53] Stacy urges you to reach out to your support network to hold you when you don’t have the strength. You can also reach out to her. If you feel stuck because you don’t have the money to go elsewhere, let us help you with that, Stacy advises. [41:08] Resources FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

Tanya-Marie Dubé is a master of transformation. She has lived through some very traumatic experiences: from being born into the foster care system, to being homeless from ages 12 to 18, to leaving her marriage of 18½ years without her home or any finances. Through each adversity, Tanya was able to change her perspective and come out a stronger, happier person. Now she teaches women around the world how to thrive after divorce. She joins Stacy Francis to talk about the five stages of transformation and things women need to know to create the best life possible for themselves and their families. Tanya says that her life has presented her with a series of transformational opportunities. She started to study psychology at age 17 and inadvertently started to coach others. She learned that the only way for her to grow was to help others achieve their goals. [4:18] By the time Tanya left her marriage 3½ years ago, she had been out of the workforce for more than a decade. Information about how to survive through and after divorce was hard to find. This inspired her to put together her first online summit where she invited 21 experts to speak on every aspect of separation. Over 300,000 women have been impacted to date. [5:22] There is a time and place for tears and anger when you’re experiencing a divorce. However, when you're rebuilding your life after divorce you need to remove the emotion out of it some of that time so you can focus on what’s working. [9:12] Tanya shares why gratitude and meditation is vital, no matter what you’re going through. [10:51] Stacy asks about the five stages of transformation after divorce. Tanya says that the five steps are building blocks and you’re going to be in and out of them, much like the grief cycle. She emphasizes that you need to work with someone because you need a new perspective and a mindset shift. [13:36] The five stages of transformation are: Visionary: building a new foundation by working on your belief systems. This stage focuses on aligning who you think you are with who you want to become. [13:58] Renewal: self-love and reconnection to spirituality. You learn how to overcome your addiction to people-pleasing and putting yourself last. You begin to take charge of your healing and personal development. [17:30] Alignment: busting through your comfort zone. If you push yourself out of your comfort zone, you’re going to move forward. The confidence you gain by doing so will propel you into other areas of your life and open doors and opportunities you never dreamed of. [22:24] Courage: finding your true purpose. Tanya shares the simple but powerful exercise she used to find her purpose. [26:41] Powerful: creating incredible relationships. Now that I found my purpose, how am I going to achieve it? Who do I need to surround myself with? How can I become the best version of myself so that I’m showing up for everybody else the right way, but I'm also attracting people at this high energy level? [31:19] Stacy talks about the importance of community when you’re going through a divorce. Tanya has created a membership site where these women can find the support they need through divorce and after, to launch them into the next phase of their lives. She shares how listeners can be part of that community, as well as the summits she produces. [33:30] Resources: TanyaDube.com TanyaDube.com/membership Recommended Books: The Mastery of Love - Don Miguel Ruiz The Four Agreements - Don Miguel Ruiz Emotional Intelligence - Daniel Goleman The Power of Now - Eckhart Tolle A New Earth - Eckhart Tolle I Am - Howard Falco Feel the Fear and Do it Anyway - Susan Jeffers Think and Grow Rich - Napoleon Hill How to Win Friends and Influence People - Dale Carnegie The Power of Positive Thinking - Norman Vincent Peale Mindset - Carol Dweck Find out more about the Second Opinion program FrancisFinancial.com Stacy Francis: [email protected] Phone: 212-374-9008

John Yacos, of Yacos Law, has 30 years experience in matrimonial and family law. He joins Stacy Francis on this week’s show, to dispel the common myths about litigation, including the time it takes to get through the legal process. Common myths and misconceptions about litigation arise because of statements made by professionals, the anecdotal experience of clients’ acquaintances, as well as incorrect online information. [4:04] It’s important to be armed with information to guide you through the legal process with as little damage to the family as possible. John says that clients cannot make these important decisions without accurate information. [4:50] Litigation is only one of the options available, and John prefers to view it as a last resort. People should always consider Alternative Dispute Resolution (ADR). [6:45] Stacy asks, when might someone know that ADR is not a good fit and they need to take the next step to litigation? John shares several tips to help listeners decide. [8:21] One common myth is that you have to choose between mediation and litigation. The truth is that you can have both: use mediation for some parts of your matter and litigation for other parts. It does not have to be one or the other. [10:18] A parent coordinator can unlock seemingly intractable custodial issues. [12:25] Another myth John busts is that your divorce proceeding will be quick. John says that each case is fact-specific and that there are many variables to consider, including whether you go to family court or Supreme Court. He explains the differences between the two court systems. [13:40] John tells listeners what they should look for in a litigation attorney. You need someone who: Can present a reasonable argument to the deciders in your case; Can make their clients understand the importance of being seen as reasonable; Can explain to their clients that the children’s best interest is going to be the most important consideration in litigation; Is professional and ethical, and works well with other attorneys; Doesn’t create barriers by being aggressive or nasty; Can adapt their strategy if circumstances change. Has a high level of emotional intelligence. [21:51] You don’t need the most expensive lawyer to represent you in your matter. You can get great advocacy if your lawyer is familiar with the court and knows how to resolve the five major issues of divorce with children - custody, child support, maintenance, equitable distribution and potential for counsel fees. [26:38] There are only two ways to end a case, John says. One way is to come to an agreement, and the other way is when the judge renders a decision. [35:36] Stacy says that a common belief is that the quickest way to end a matter is through litigation. John dispels this myth by saying that litigation is generally used to resolve issues that are more difficult. With the large number of cases before the courts, litigation is more of a marathon than a sprint, he points out. [37:32] Even when you’re using ADR, you should have your own attorney advising you. The cost of a consulting attorney could save you thousands in the future. [44:44] Resources YacosLaw.com Email: [email protected] Phone: 212-587-9560 Find out more about the Second Opinion program Stacy Francis: [email protected] Phone: 212-374-9008

This week’s guest is Dr. Debi Silber, author of Amazon bestseller The Unshakable Woman: Four Steps to Rebuilding Your Body, Mind and Life After a Life Crisis. Dr. Debi was blindsided by a personal betrayal that inspired her to study how women experience and heal from betrayal. She shares the five stages that we go through from betrayal to breakthrough. She also talks about Post Betrayal Syndrome and Post Betrayal Transformation and shares a tool you can use to see how far along you are in the process of healing.Betrayal is an earth-shattering feeling that the world as you've known it no longer exists. [3:40]The Post Betrayal Transformation (PBT) Institute grew out of Dr. Debi’s experience. She teaches that our biggest crisis leads to our greatest gift. [4:26]Her Ph.D. research involved studying the lived experience of women who had experienced betrayal. She wanted to understand who they were before, and how the betrayal affected them physically, mentally and emotionally. Also, she wanted to understand the steps they took to heal. [5:51]If you're willing to do what it takes to move from one stage to the next, your healing from betrayal is predictable. [6:58]Stacy asks Dr. Debi to describe the five stages from betrayal to breakthrough. She lists them as:Stage 1 - Ignoring your gut instinct that something is wrong. Focusing on the physical and mental, more than the emotional and spiritual.Stage 2 - You’re blindsided. It causes a breakdown of your body, mind, and worldview. Your body goes into a stress response. Your mind is confused and overwhelmed. Your worldview is shattered, and you no longer trust your betrayer nor yourself.Stage 3 - The practical stage. You focus on surviving. You can get stuck at this stage if you’re not careful. Dr. Debi describes the self benefits you start receiving at this stage, and what you need to do to move to the next stage.Stage 4 - Adjusting to your new normal. You're redefining yourself and your rules.Stage 5 - Rebirth. Dr. Debi describes how you come through this stage with a new view of yourself and the world. [7:50]Dr. Debi shares 3 reasons why someone may not heal from betrayal. [15:32]Post-Betrayal Syndrome is a collection of physical, mental and emotional symptoms specific to betrayal. [17:54]Post-Betrayal Transformation is the state of complete healing after an experience with betrayal. [19:33]You can take an objective quiz, developed by Dr. Debi and her team, to show you where you are in the process of healing. You can’t heal from what you’re not aware of. [21:10]The beauty of betrayal, Dr. Debi says, is that it gives you the opportunity to rebuild something so fabulous that you never would have built had the betrayal not happened. Stacy adds that it’s the opportunity to decide who you're going to be and to start working towards making that happen. [24:51]Healing is a gift to yourself because you love yourself and your family so much that you want to move on. [26:03] “I have yet to see anyone on the planet stronger than a woman who has healed from betrayal,” Dr. Debi says. ResourcesQuiz on Betrayal Find out more about PBT, including certification: Post Betrayal Transformation Institute Dr. Debi Silver’s TED Talk Book: The Unshakable Woman: Four Steps to Rebuilding Your Body, Mind and Life After a Life Crisis Find out more about the Second Opinion program Stacy Francis: [email protected]: 212-374-9008

Jaime Weiss is an expert matrimonial attorney with Teitler & Teitler LLP in New York. She is well versed in litigation and is focused on helping her clients finish their cases quickly and efficiently. Having majored in Human Development and Family Studies as an undergrad, she brings to her law practice a deep understanding of the psychological drivers that guide how we make decisions, which helps her to discern her clients’ wants and needs and help them move to a happier place in their lives. In her conversation with Stacy Francis in this week’s show, she will share how you can prepare financially for divorce, how you can make the best case for custody, and how you can prevent your information from inadvertently getting into your spouse’s hands.If you’re thinking about getting divorced, Jaime first asks you if you’ve exhausted every option. She feels that lawyers should not push people into a decision they’re not ready for. [6:35]Start arming yourself with the financial information you would need if you think a divorce is imminent. Get copies of records, your tax returns, your bank statements and credit cards. Ask yourself, What is my spending rate? What is my budget? How much income do I expect to earn after the divorce? Do I know what my spouse earns? What records can I get about that? [7:41]Be careful about what you say or write to your spouse. In custody matters your words may be used against you. The courts focus a lot these days on your ability to co-parent, so try to communicate with your spouse in a healthy way. Ask yourself, would I feel comfortable if this piece of communication were to come before a judge? [8:55]Stacy asks how women can get access to financial information that may be withheld by their spouse. Jaime describes four ways you can get the information you need:Look around the house for financial documents. You can request your tax returns from your accountant;Your lawyer can subpoena the documents;During the deposition, your lawyer can ask questions that may uncover financial information. [17:58]When a client is going through the divorce process, Stacy says it’s her job to make them as comfortable and as prepared as possible. She reminds them that she will be with them during the entire process. She also lets them know that when they get back their transcript after a deposition, they can correct any errors that they inadvertently made. This helps dampen any fear or anxiety they may feel about the process. [26:17]Stacy asks Jaime to share a story about a successful divorce case. [33:00]You need to be mindful of how you use technology when you're embarking on a divorce. Your spouse may be privy to your emails and texts if you're on the same iCloud account. [38:53] Resources Teitler & Teitler LLP Jaime’s email: [email protected] Phone: 221-930-3607 Articles Separate vs marital property Protect Yourself via Technology How to Prepare Financially for Divorce Learn more about the Second Opinion Program Contact Stacy Francis: [email protected]

Rosalind Sedacca is a consultant with decades of experience in helping couples protect their children before, during and after divorce. She talks with host Stacy Francis about how to do divorce right when you have children. She discusses the 6 keys to tell your kids about your impending divorce in the right way, and how to avoid the common mistakes couples make during divorce.Rosalind's son was 11 years old when she divorced. She remembers being very concerned about his emotional well-being so she came up with a unique way to break the news to him. Her process worked: her son was in his early twenties when he said thanks to her for how she helped him. This made her realize that she could share her approach with other parents. She founded the Child-Centered Divorce Network and became a divorce & parenting coach. She also wrote her signature book, How Do I Tell the Kids About the Divorce? [3:15]The D- word (divorce) is a huge, frightening thing for children of any age. [5:41]Divorcing couples can tell their kids about their divorce by creating a picture book of cherished family memories, and sharing these key messages:They are never at fault no matter what's going on;This is about change, not about blame;We will always be a family, but now we will be living in separate houses;We will always be your parents, and we will always love you;You are and will always be safe;Things will work out ok. [7:00]Parents are prone to making mistakes when talking about divorce with their children because when they get emotional and contentious with one another, they may inadvertently do and say things that are hurtful to children. Rosalind says that there are ways of addressing all the challenges of divorce in a way that protects and supports children as they grow. [10:50]Rosalind shares how to avoid the common mistakes parents make during and after divorce when they're co-parenting. The biggest mistake of all, she emphasizes, is using your child as your confidante. When you confide in your child, you are making them privy to adult information they have no business knowing. Their young brains cannot handle this kind of information; moreover, they are helpless to change anything. They can never again be the carefree, happy children they were before they had this adult information. You are, in effect, robbing them of their childhood. [11:43]To this day Stacy remembers a mistake her mom made 30 years ago. Stacy felt like the world just stopped at that moment. [16:59]Conscious, caring parents protect their children's well-being during a divorce. They must also choose conscious, caring professionals who are family-oriented because these professionals are going to have a big influence on them. Divorce as a parent goes on for the rest of your life. [20:00] Ask yourself, do I love my children more than I hate my ex? You are role models to your children. They are watching and learning from what you do: your example shows them how to handle challenges in life, and how to move through and be successful. [25:04] ResourcesFind a directory of tools and resources at ChildCenteredDivorce.com Book: How Do I Tell the Kids About the Divorce? Contact Stacy [email protected]

April Katz Israeli is my honored guest on today’s podcast. She is a celebrated matrimonial attorney at Williams Law Group, with over 25 years experience. She brings an interesting point of view to our show, seeing that she represented herself in her own divorce. She will share tips on how to keep the cost of your divorce as low as possible if you are going pro se, as well as how she got over her fear of divorce and how you can get through it too. April helped her husband find a suitable divorce attorney. She had worked with almost all the local attorneys so she knew it would be hard for him to find a lawyer as there would be a conflict with almost anyone he chose. She found him a good local attorney to keep everything above board and equitable so she could move on with her life. [4:10]It’s very difficult to maintain your objectivity and keep your cool as an attorney when it's your own divorce and you're a very upset spouse with all the associated emotions. April says her divorce started off smoothly but then got ugly. [5:20]Sometimes couples think they can work issues out themselves and come up with a suitable divorce agreement. They don’t go to a lawyer to save money. The problem is that issues come up in the future which they didn’t anticipate and have to seek litigation to deal with. They now find themselves spending money to fix what should have been done in the first place. [8:06]April shares how a mediator can be a cost-effective alternative to having separate divorce attorneys. [8:43]It's important to discuss deep issues and come to an agreement prior to marriage.This can help you avoid many problems in the future. [14:44]Relationships break down for many reasons. Some common issues are financial struggles and infidelity. When April works with couples her main focus is not so much the couple’s relationship issues but what’s best for the children. This is the court’s focus as well. [16:51]April started thinking about leaving her husband very early in her marriage. She reveals why she stayed for 23 years and what made her finally get over her fear and get a divorce. She comments that her divorce was the healthiest thing she did for herself. [22:02]If you're hearing your inner voice say that something is wrong, trust your instincts. Don't be embarrassed to talk to someone you trust about what steps to take. It's very unhealthy to internalize that voice because it will eventually manifest itself through physical illness or depression. If you feel divorce is the right decision, take the steps to give yourself that opportunity. [32:20] What you need to know about divorceIf you’re thinking about or going through divorce, download our free guide that unveils the financial challenges that women face during, and after divorce. Francisfinancial.com/divorce Contact Stacy Francis [email protected] 212-374-9008 April Katz Israeli [email protected] Resources Williams Law Group908-810-1083

Most women don't like to admit they need help. We often don't even know what to ask for help with. It is a fact, however, that people going through a divorce need extra support, be it emotional support or with the administrative tasks that go along with a divorce. Today's guest, Katie Lynch, is going to help us navigate this issue. Katie is the founder of Apiary Consulting, a bespoke divorce consultancy that coaches senior executives going through a divorce.Katie shares the interesting story of how she became a divorce consultant. [2:50]During and after a divorce, a woman is more dependent on her income. Stacy asks what women can do to tailor their lives to impact their careers as little as possible. Katie replies that divorce is overwhelming. Your decision-making abilities are going to be impacted because of the reduced level of sleep and the elevated levels of anxiety you are experiencing. You need an extra person to help you monitor yourself and ensure that you're not letting this stressful time have a negative effect on your professional life. [5:53]The first thing Katie does for her clients is to help them get organized. She helps them to package their case with the relevant financial and factual information so that the legal or financial professional can give them advice right away. Most importantly, she helps them find the right lawyer so that they can avoid ending up in a contentious divorce process. [9:21]Professional women going through a divorce are not typically given the same understanding or compassion as a woman who recently lost a spouse. Stacy asks Katie how a woman can approach the subject of her divorce with colleagues or managers in a way that preserves her job and her credibility as a successful professional. [12:50]Personal and professional lives cannot be separated. They are completely intertwined. Most companies try to help by providing things that make you happier rather than dealing with things when you're stressed. [15:05]Be more open and honest about what you are going through. Tell HR or management what is happening, that you're getting support, and how much time you're going to have to take off work. Trying to keep things under your hat is going to create more stress for you; you may be surprised that they actually may support you more than you think. [15:58]Don’t try to do it all. Recognize that this period of intense stress is only temporary. Take a step back and get the help you need. Try to be as happy as you can during this very difficult time. [19:48]Katie explains the bespoke service that she offers to clients. She describes a useful piece of software that helps you to organize your life during a divorce. [23:46]Stacy implores listeners to invest in themselves by seeking the help they need. She advises you to contact Katie if you need the service she provides. If you have questions about the financial end of divorce, you can reach out to Francis Financial. They can help you make decisions with confidence, knowing that your future is secure in the short and long term. [32:22]What you need to know about divorce If you’re thinking about or going through divorce, download our free guide that unveils the financial challenges that women face during, and after divorce. Francisfinancial.com/divorce Contact Stacy [email protected] Katie [email protected] Resources Apiary Consulting Dtour.life Francis Financial Option B by Sheryl Sandberg

Can you imagine your divorce being written about in the national tabloids? Today’s guest on the show is celebrity divorce lawyer Laura Wasser, who helps her clients navigate through that every day. Her clients include Kim Kardashian, Ryan Reynolds, Angelina Jolie, Stevie Wonder, Maria Shriver and more. She has been named one of the best lawyers in America, and she is passionate about making divorce something that people can understand, work through and afford more easily.Laura talks about how she got into the Matrimonial Law field. There was a strong family precedent for going into legal practice, and almost despite herself, Laura ended up going to Law school and working with her father at his family law practice. She discovered that she loves learning about the people and industries she worked with at the firm. [02:20]Laura talks about the level of trust and the code of honor required to work with celebrities. She grew to understand that no one knows what's best for a family better than the family themselves. [05:30]Stacy asks Laura why it’s so common for women in relationships not to have an intimate understanding of the family finances. This is changing, but historically, there hasn’t been an equal division of earnings and financial management. It’s stressful, complicated and not fun - so often, letting someone else ‘take care of it’ is appealing. Laura points out that even when women are the major breadwinners, that’s no guarantee they’ll be the main financial manager of the household. [07:00]Divorce is often a big financial wakeup call for the person in the relationship who isn’t involved in the finances. Laura talks about what a shock it can be when you don't know the details of your income and expenses, especially when there is a public expectation that you’ll live a certain lifestyle. [10:30]What steps should you be taking before you’re married, or while you’re happily married to prevent shocks and pain down the road? Laura gives some strategies for how to protect yourself in the future, no matter what happens. [14:00]Stacy notes that the biggest fights couples have revolved around money - and when a relationship is ending or changing, that can be magnified. She asks Laura about the innovative way she is approaching divorce negotiations. This is a massive departure from traditional divorce and brings a lot of support and education to the table. [17:30]Laura talks about who is a good candidate for online divorce - it’s not everyone, but it is making things easier and more affordable for thousands of people. [21:30]Stacy and Laura talk about the benefits of community when you’re going through a divorce - having other people going through the same thing can be invaluable, and Laura talks about her book, website, and podcast - all designed to help people work through this difficult process. [26:00] ResourcesBook: It Doesn’t Have to be That WayWebsite: It’s Over EasyPodcast: Divorce Sucks ContactStacy Francis: [email protected] // 212-374-9008Laura Wasser: Instagram: @LauraWasserOfficial // Wasser Cooperman and Mandles

Today’s topic is very important and one that a lot of us avoid as much as possible.W e’re talking about taxes - and specifically, the tax law changes that you absolutely need to know. This is going to be interesting, and important. We promise! Stacy Francis talks with Matthew Feigin, a Matrimonial Law group partner at Katsky Korins, who used to work for the Mayor of NYC Michael Bloomberg. Matthew is, as his son describes: “A lawyer who helps people share things.”Matthew shares the rather surprising story of how he came to be practicing the specific type of tax law that he does, and how he ended up in the Mayor's Office. [2:12]When a family with children is separating, it’s important to make sure there is consistency between the different homes that children will be living in. Tax plays an interesting role in making this possible, and recent changes in the tax law mean that the obligations different parties have changed. [4:00]The new laws sound really good on their face, but the upshot of the change in who pays what kind of taxes is that the payers of alimony are now incentivized to provide less money. Matthew and Stacy discuss the new complexities (and political implications!) divorced families find themselves dealing with. [08:00]Stacy mentions that even financial planning softwares don't account for all of these complexities. Matthew provides some insight into how lawyers are handling the implications of different tax brackets. Because it’s a new framework, both the legal and financial services professions are having to adapt - and the news isn’t traveling as fast as anyone would like! [12:25]Settlement agreements can be unwieldy documents, where a dollar doesn’t always equal a dollar. Matthew talks about some of the situations where what is on paper doesn’t match up with what is in your bank account, and how to navigate these differences. [17:20]Stacy brings up some of the practical implications of varying tax situations, and how the different rates at which your assets are taxed have a major impact on your planning for your future. It’s important to look carefully at the vehicles your assets are stored in, so if you do have to split savings and assets, you know the implications of how that division will work in the future. [20:00]There are tax issues to consider when you’re thinking about how to take care of your children during and especially after a divorce. Matthew explains the specific taxes that will affect them and provides some pointers on the kinds of situations that can cause problems. [25:00]Matthew describes the unique elements of his practice, where he practices something called ConsensUS Mediation. This is a powerful, efficient and compassionate way of developing settlement agreements. These agreements often have more power than the courts when it comes to making provisions for your children. [28:00] Contact Stacy Francis [email protected] 212-374-9008Matthew Feigin Katskykorins.com212-716-3259

On this week’s episode of Financially Ever After, Stacy Francis has a fascinating conversation with Micki McWade, a clinical social worker and psychotherapist, whose primary work is with people contemplating or going through a divorce. She and Stacy discuss how to move on with your life - financially, professionally and emotionally after a divorce. Micki talks about her journey into social work and psychotherapy - it was never her original plan, but after an enriching experience with Al-Anon - she re-evaluated her life and decided to help other people recover from difficult life events. [02:50]Al-Anon has been a successful program since the 1930s, and Micki shares how learning to give up control over what isn’t controllable, let her focus on building her own personal foundation - she translates this into her current work for her current clients. [05:00]Looking back at the time after her divorce, Micki is proud of her accomplishments, and how her children saw her take control of her life, and what was happening for their family. Refusing to take on the victim role let Mick invest in her own power. SUNY Empire State College was an invaluable resource, providing the flexibility to get a degree that launched a new career. [09:30]Micki uses the 12-step framework to serve her clients - the tools, collaborative processes and opportunities for self-development help families move forward after major changes. She describes her role in these groups, and what an impact they can make. Collaborative divorce and mediation are always the best way forward if they are at all possible. [14:20]Stacy brings up that many women fear that going back to work or re-training will negatively affect their settlement. Micki talks about how this tends to play out, and what women should be aware of and plan for when they’re thinking about their financial future. [18:00]Micki found she was energized by working with people going through a divorce in a non-professional capacity. For everyone, listening to that cue, and going through the doors that open because of it helps show you what you should be doing. Stacy adds a story of someone who was able to achieve more than she had ever imagined by taking a chance and using her network. She discusses how other women can do the same. [22:50] There are a lot of feelings around your ex starting to date, or getting married, and likewise when deciding you are ready to start seeing people again. It’s hard to come back from divorce emotionally, and Micki recommends finding a support group of other people going through the same thing. Giving back to and helping others will always make you feel better, and connection is the most important thing you can create for yourself. [26:00]At a certain point you will need to have a conversation about who you, and who your ex is dating - and managing that can be intimidating. You should be very certain of a new person in your life before you bring them around your family. Stacy draws a parallel with how Francis Financial has a lengthy ‘get to know you’ process for new team members. [30:00]Micki shares some very excellent advice she was given while she was going through her divorce - a guiding principle she was able to use while a lot of different decisions had to be made. [34:00] ResourcesSUNY Empire State College |TheDivorceCoach.com - book a complimentary call if you have any questions. | MickiMcWade.com | Complimentary Second Opinion Call from Francis Financial ContactStacy [email protected] Micki [email protected]

Today’s guest on the Financially Ever After Podcast is Robyn Mann, a matrimonial attorney and mediator who comes to her practice with a deep experience of and respect for the impacts divorce can have on a family - and what to prioritize in terms of mitigating them. Stacy and Robyn discuss the financial aspects of a divorce, as well as who needs what kind of care, and how to make sure as many needs are being met as possible. Divorce Affects the Whole Family Robyn understands the impact of divorce on children – and mediates from that perspective.In experiencing different kids of divorce, from different perspectives – a child and an adult going through the process, Robyn learned what really matters for a family going through this process, and how to prioritize the whole family through what is often a difficult time. Robyn believes that the majority of the upheaval that happens during a divorce should be on the shoulders of the parents, and nesting is one way to do that. This means the children situation in their home, and having the parents take turns being the primary caregiver in that house - it’s more challenging for the parents but keeps the stresses where they belong and makes it easier for children to adjust to their changing family. When Robyn was ending her marriage, she also walked away financially from the law firm she shared with her ex-husband – she ended up working as a waitress while she regained her footing. This is something many women will recognize: making the choices that must be made to move forward. What does it mean to be house-poor? This is a common situation that couples and individuals find themselves in – especially those who had a great deal invested in property during the 2008 recession. As a Real Estate Attorney, Robyn knew the bubble was going to burst but was unable to prevent a huge personal loss. She shares what it was like to know it was coming - but not be able to stop it. Asking for Help In building her own business, and later legal practice, Robyn learned many things – and the most valuable of them was asking for help. This is a skill many women aren’t encouraged to develop - but that can make a huge difference in times of stress. Stacy and Robyn talk about the widely believed but completely false myth that looking after your own finances requires a huge amount of specialized knowledge. It just takes time and attention. If you need a better understanding of your finances - you should do everything in your power to get it. Robyn believes that women should give themselves the education, information, and confidence they need to speak on equal terms with their spouses about their financial situation. Even if it is only to know for yourself that you understand and can make decisions about what is happening in your financial life. Robyn strongly recommends the one thing that over 60% of women experiencing divorce say they want but don’t have: access to mental health care. Women often put themselves at the bottom of the totem pole in terms of self-care and support, but to have the best possible result for yourself and your family, self-care is critical. Contact Robyn Mann https://kenjewell-law.com/ [email protected]: (718) 316-2219 Contact Stacy Francis [email protected] Resources Family Kind https://familykind.org/ Grief Out Of Season https://www.amazon.com/Grief-Out-Season-Parents-Divorce/dp/0316363510

Our guest today, Jill Miller, runs a firm that specializes in formulating sophisticated personalized estate plans. What makes her stand out is her expertise isn’t limited to US only client or traditional families only. Jill and her firm help take away the fear surrounding - and the likelihood of - audits. Her clientele range from individuals to highly visible celebrities. When to Update Your Estate Plan Women often forget that they need to take care of their estate plan while going through a divorce. This includes a will, power of attorney, and health care proxy. Jill advises clients to be very careful while going through the divorce; you can’t make changes that will be in violation of any agreement you have while going through proceedings. Second, as soon as you know it’s okay to make the changes, do it right away. Who Should You Trust? The executor of the will, guardian of your children: who should you trust in these roles as you’re creating or updating your estate plan? For an executor, not only do you want someone who is organized, trustworthy, and good with administrative tasks; ideally, you also want someone who is close to you. They’ll be the one who needs to go into your home, secure your belongings, any pets, and generally pick up the pieces if you pass on. As for the guardian, it’s a huge topic. Many women can’t stand the thought of their ex-spouse gaining full custody of their children, and at the same time, courts don’t like to terminate parental rights. It’s an uphill battle to name a non-parent, but women do have options, and Jill lays out what they are. Naming Beneficiaries While updating your estate plan, it should be part and parcel of any good estate attorney to include naming beneficiaries of IRAs and 401Ks. But did you know you should also be talking to the people you’ve named for various roles in your estate? Jill explains why it’s important to have their agreement, too. An executor is personally liable if they make a mistake, and the same is true of guardianship. A Lesson from Celebrities When Marilyn Monroe passed away, she had a very large estate. In Marilyn’s case, her biggest assets were her IP, like rights to her movies, pictures, and music. Those went directly to people she wanted to have them, but when those people passed on, they went to strangers. His death came as a shock, and Prince was one of the most well-known celebrities in the world who didn’t have a will. There’s no use speculating whether that was an oversight on his part or his advisors, but Jill lays out some options for estate planning for people who prefer to keep their lives - and wishes - private. A living trust is a solution for everyone, not just celebrities. More importantly, it’s not just for the wealthy. Jill shares another story about Philip Seymour Hoffman left his family with a rather large mess and a tax bill that could have been avoided had he updated his estate planning and used a living trust. Jill reminds us that not only do we need solid estate planning; we need advisors who have experience with situations just like our own. Download the free resources on when you should update your own estate planning. This is the document Jill gives to every one of her clients. Contact Jill Miller Jill Miller & Associates, P.C.Educational Videos Francis Financial |Take Control of YOUR Financial Future If you’re ready to take control over your financial future, you’re invited to book a complimentary call with one of our advisors to discuss your options! Fill out the simple form to see if we’re a good fit for you.

What kind of tax aspects do you need to think about when going through a divorce? Today we have Nancy Goldfarb, President of Smart Transition Strategies and a certified financial planner, public accountant, and divorce financial analyst. On this episode, she breaks down what you need to consider to help you make good decisions about your finances during and after the divorce. When to reach out to a CDFA or a CPA: The best time to reach out to a Certified Divorce Financial Analyst or a Certified Public Accountant is as early as possible, even if you’re only just thinking of divorce. Educating and empowering yourself is incredibly important. You want to be able to face your financial challenges, and a CDFA or a CPA can help you develop strategies to enable you to achieve your goals and strengthen your financial security. Lifestyle analysis and marital property: It’s important to go back through one, three, and in some cases, five years of expenses, as well as three years of tax returns, to make sure you receive an equitable and fair distribution of assets in the home. Nancy talks about the importance of having a professional go through the process with you, as they can spot and dissect things the general public might not be able to so things are divided equally. For example: How do you divide low cost basis stocks? And what if the property is in only one of your names? Tailored advice: Women need advice tailored to them. Consider these factors: women live longer in general, we are the first generation of women who have had careers, women are more likely to take time off from the workforce, and statistically, we have likely learned less than men. This transition is a chance to seek financial education, and that is empowering. This allows you to have the knowledge to make decisions for your future. The marital home: The first decision is planning on how to divide or sell the marital residence. There are many options: selling the house and splitting the proceeds, trading off other property, a partial buyout, or even more out-of-the-box solutions, like delaying the sale until the children graduate, or keeping the house and taking turns living there and nesting. The next thing to think about is reviewing the financial aspects of each option. There have been recent tax changes, and a CDFA or a CPA would look at your income and prior tax returns to help you make a decision. They’ll also make sure you don’t get any tax surprises, and will help you plan to have enough deductions to decrease your taxes. The children: Financial professionals are going to look at your children’s expenses as well. How much do you need to save for your children’s college education? Should you commence a 529 plan? How can you manage it so you can afford your child’s current private school education? Social security: Nancy likes to combine social security and retirement planning. There are many factors to think about, for example: Did one spouse stay home to raise the children while the other spouse was working and has built up social security? How long have you been married? Consult your local social security office or specialist for more details, as the rules are changing all the time. Resources: Nancy Goldfarb (LinkedIn) | Smart Transition Strategies

Last week, we talked about financial abuse and gaslighting. On this episode of Financially Ever After, we’re diving deeper into the topic of gaslighting with our guest, Meredith Shirey. Meredith is the founder and practice director of her New York-based private practice, and is a psychotherapist who specializes in relationship issues through couples therapy. Today we’re talking about what gaslighting is, what to do to get yourself out of a gaslighting situation, and how to help someone who may be a victim.

Victoria McCooey was one of the many women who thought she had a husband who loved and idolized her but found herself married to an abusive man who kept her isolated and financially disempowered – questioning her own knowledge and pressuring her into taking on debt while controlling almost every aspect of her life. Victoria saved herself and her children from this situation and has gone on to help hundreds of other women take their power back from abusive, narcissistic partners.

After suffering far too long in an abusive marriage, Sheryl-Anne Sastow finally made the decision to get out of the relationship, only to then be faced with a drawn-out, expensive and emotionally painful divorce litigation. On this episode of Financially Ever After, Sastow shares how her own experience inspired her to become a divorce mediator and collaborative attorney - a role in which she helps divorcing couples resolve their issues and end their marriages peacefully. Among the many insights Sastow shares: How she gets divorcing couples to communicate even when they’re at their angriest, and why the most acrimonious divorces can see the biggest benefits in choosing mediation over litigation. [6:15] Why it is most often women who contact her to inquire about, and initiate the mediation process in their divorces. [14:15] What the biggest differences are between mediation and litigation divorce processes (hint: one of them will save you time, money and lets you keep your divorce proceedings confidential ). [16:10] Why historically, mediation has been less prevalent than litigation - and why that trend appears to be reversing. [30:35] How to find the best mediator/collaborative attorney to ensure you make the most of all the benefits of mediation. [35:05]Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Sheryl Anne Sastow | W: www.sastowlawandmediation.com P: (516)314-6116 E: [email protected] Links to Items Mentioned in the Podcast: Find a mediation attorney or mediator: mediation.com

When journalist and writer, Abby Ellin, learned that the man she had been engaged to had lied to her about everything from being a Navy SEAL to working for the CIA -- and that he had been cheating on her much of the time they’d been together - she had to wonder why her usually strong professional instincts had let her down in her personal life. Abby has since written about her own experiences of romantic betrayal, and those of others -- both the betrayed and the betrayers - compiling her research into a new book, Duped: Double Lives, False Identities, and the Con Man I Almost Married. In this edition of Financially Ever After, Abby shares much of what she has learned about how and why women can be especially vulnerable to romantic, spousal deception, including: Why societal pressure that women be in coupled relationships can make them more likely to ignore or overlook relationship warning signs. [11:05] How scientific studies show it’s harder for people to detect deception when they’re in love. [13:00] Why, when a woman is in a committed relationship (made more complex by financial and familial ties), it is often to her benefit not to “see” the bad or painful things that a partner is doing. [14:45] Why deceptive behavior seems to be everywhere in our culture, and only getting more pervasive. [26:10] Why certain personality types can be more vulnerable to romantic deception; how you can protect yourself against being duped, and where to get support if you’re experiencing - or recovering from, a toxic relationship. [31:40] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Abby Ellin | W: www.abbyellin.com Links to Items Mentioned in the Podcast: Duped: Double Lives, False Identities, and the Con Man I Almost Married The White Collar Wives Project: https://thewhitecollarwivesproject.org/about-lisa-lawler/ Institute for Relational Harm Reduction: https://saferelationshipsmagazine.com/ Sexual Assault By Fraud: https://consentawareness.net/author/shortjm/

In this edition of Financially Ever After, Stacy is joined by Patricia Fersch -- founding partner at Fersch Petitti LLC, a matrimonial and family law firm in New York City. Patricia’s background includes successfully completing thousands of cases involving families caught in the turmoil of Family Law conflicts, and she is particularly well-known for handling high-profile clients and resolving complicated legal issues, all involving child custody or divorce-related matters. In this podcast, Patricia shares a number of insights and experiences, including: How her professional journey took her from college dropout, to business owner, to running her own law firm, and how her hard-earned business experiences inform her interactions with clients every day. (4:51) How she can quickly determine the likelihood that a spouse is hiding money. [17:20] How spousal support caps work in New York, why they can be a huge deal for couples in middle income brackets, and what factors can influence a court to waive them. [19:10] Why it’s vital for women to build and maintain security (eg: training, experience, social networks, money) of their own, even within their marriages. [32:48] How shared child custody can be - and often is - manipulated and used to avoid paying child support. [37:50] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Patricia Fersch| W: http://pffamilylaw.com/ E: [email protected] Links to items mentioned in this podcast: New York State Child Support Resources http://ww2.nycourts.gov/divorce/childsupport/index.shtml New York State Spousal Support Resources http://ww2.nycourts.gov/divorce/MaintenanceChildSupportTools.shtml

From a frugal upbringing in India, to an almost 15 year-long career working as a stock trader on Wall Street, writer and researcher Nyla has always possessed a strong fluency in the language of money. But when faced with the abrupt endings of both her job and her marriage, Nyla took the opportunity to re-examine her life path, and her relationship with money. In this episode of “Financially Ever After”, Nyla shares some of the insights she has discovered that have helped her unleash her most creative, well-rounded and generative self, including: Why, when it comes to marriage, looking at finances and value creation between two spouses as a zero sum game is not healthy and can prevent you from seeing one another as equal partners. [14:48] Why financial coaching should be an important and lifelong educational process for individuals and couples, alike. [25:30] How a dramatic “life audit” shifted her understanding of the value of money and has led her to now view money as a tool that makes possible incredible opportunities and experiences [37:48] How she has learned to redefine her net worth as a “holy triangle” comprised of: social capital (your network), human capital (yourself) and financial capital [44:10] Why your creative and generative potential is the key to your sense of well-being, and how when that is out of whack, you do a disservice to everyone in your life. [46:40] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Links to items mentioned in this podcast: Financial Therapy Association www.financialtherapyassociation.org

On this week’s “Financially Ever After”, Stacy is joined by Laura Israel Sinrod (Senior Staff Attorney) and Rachel Braunstein (Managing Policy Attorney), two powerhouse legal professionals whose work with NYC not-for-profit, Her Justice, helps provide family and matrimonial law assistance to women in poverty, many of whom are survivors of domestic violence. Listen in as Rachel, Laura and Stacy discuss the history of this 25-year-old organization, talk about the unique issues faced by Her Justice’s clients, and share some of the ways the volunteer lawyers of Her Justice support their extremely vulnerable clientele, including: How Her Justice’s unique “Pro-Bono First” model allows training and mentorship for more than 1,800 legal volunteers who are then able to provide services to more than 9,000 women and children (80% of whom are survivors of domestic abuse). [3:45] The top issues that women in poverty face when going through divorce, including compounding of issues such as financial illiteracy, custody and parenting, and financial isolation. [10:10] How women in poverty face additional collateral consequences of litigation: from lost income to facing an abusive partner. [18:30] Why Her Justice’s lawyers are trained not just in the substance of the legal issues, but also in empowering their clients with knowledge and information and ability to make decisions. [20:10]Stacy Francis | W: www.francisfinancial.com P: (212)374-9008 E: [email protected] Laura Israel Sinrod | W: HerJustice.org P: (212)695-3800 Rachel Braunstein | W: HerJustice.org P: (212)695-3800 Links to Items Mentioned in This Podcast: LawHelp.org HerJustice.org Her Justice Legal Information Guidelines Statement of Net Worth Their helpline is open on Thursdays from 10am to 1pm and most callers will be able to speak to a lawyer the same day for a free consultation.

From growing up in a home where dysfunctional dynamics around money created a “rollercoaster in the house”, to entering a marriage where the financial roles from her childhood were repeated, Licensed Marriage and Family Therapist Barbara Bennett knows firsthand the emotional conflicts that can stem from marital money issues. In this week’s episode of “Financially Ever After,” Barbara joins Stacy for a moving and insightful conversation revealing: How a lack of equity around financial knowledge can create a power differential in a marriage and weaken the relationship. [10:10] Why we replay the financial roles we’ve learned in childhood, bringing those imbalances into our adult relationships until we wake up and understand what we’re doing. [12:00] How she faced her fears around money, and worked to become knowledgeable about finances while also pursuing the education that could give her financial self-reliance. [18:45] Why she strongly advises those facing divorce to join a divorce support group. [20:00] How to look for a marriage therapist, and what to do if couples therapy isn’t working. [28:20] Links to Items Mentioned in the Podcast: Internal Family System Therapy https://www.psychologytoday.com/us/therapy-types/internal-family-systems-therapy 92nd St Y Divorce Recovery Group (new group starts 2/25). https://www.92y.org/class/divorce-support-group FamilyKind.org Stacy Francis | E: [email protected] P: (212) 374-9008 W: www.francisfinancial.com Barbara Bennett | E: [email protected] P: (646)389-8020 W: https://www.barbarabennettlmft.com | https://www.psychologytoday.com/us/therapists/barbara-bennett-new-york-ny/278399

In this episode of Financially Ever After, Stacy talks with New York “Super Lawyer” Adria Hillman. With a long-standing history practicing corporate and family law, Adria’s client list has included well-known celebrities and entertainers, but her initial and continuing passion around family and divorce law remains helping all people who need help. Listen in as Adria shares insights from her lifetime of experiences helping women empower themselves around financial issues during divorce, including: How celebrity divorces differ from those of average income couples - and why courtroom litigation should be the last resort for any couple hoping to maintain control over proceedings [10:12] Why you need to Face the “Big Three Fears” (Fear of: Finances, Family Dissolution and the Future), but why you don’t need to face them alone! [14:03] Understanding Trusts, Marital Debt, Tax Returns & Credit Cards -- Why these four financial areas can create a financial disaster if you're not aware of them [19:10] Why you should never let the fear of “hidden secrets” keep you from seeking information about the financial unknowns. [32:30] Why she is so driven in her work as a founding member of New York Women's Foundation, and why it’s more important than ever for women to support other women in building wealth. [36:44] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Adria Hillman | W: https://adriashillman.com P: (212) 593-5223 E:[email protected] Links to items mentioned in this podcast: New York Women’s Foundation: https://www.nywf.org/

This week on Financially Ever After, Stacy is joined by New York family and matrimonial law attorney, Carolyn Walsh Parry. After an initial successful legal career in corporate law, the opportunity to participate in a Hague Convention (international child parental abduction) case led to Carolyn’s decision to transition from civil law to family law. Join Stacy and Carolyn in this podcast as they discuss the implications of Hague Convention Treaty on multinational families experiencing divorce, as well as sharing advice for all women who are facing tough decisions during divorce. Among the topics discussed in this episode: How parental abduction of children happens much more frequently than we realize, and how easy it can be for non-custodial parents to take children across international borders. [5:50] What to look for in a divorce lawyer and what to avoid when selecting a divorce attorney (hint: be wary of the “bulldog”). [19:50] How good negotiation skills are just as important in litigation as they are in mediation. [24:20] Where to look for an emotional support system and why everyone who is dealing with a divorce needs one. [30:40] Why, when in the midst of divorce preparation and proceedings, you should behave as though each of your emails, phone calls and actions could be shared with a judge. [31:20] For more information on Carolyn Walsh Parry, and additional resources from this show: Carolyn Walsh Parry | W: www.carolynparrylaw.com P: (917) 797-0713 Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Links to items mentioned in this podcast: Information on the Hague Convention/International Child Abduction: https://www.hcch.net/en/instruments/conventions/specialised-sections/child-abduction Francis Financial’s “Unveiling the Unspoken Truth” - Francis Financial’s groundbreaking survey and whitepaper: https://francisfinancial.com/white-paper-confirmation/

Join Stacy in an info-packed conversation with award-winning family and matrimony attorney, Amanda Trigg. Based in New Jersey, Amanda brings years of experience protecting her clients and their families through the complex and challenging process of divorce. In this episode, Amanda details how women who are contemplating divorce can prepare for the possibility of divorce and find the financial information without raising their spouse’s suspicions. Among her insights: • Why you should never panic, but you should “just ask”. [7:20] • What to do when “just asking” doesn’t work - legal ways women can get information about a spouse’s finances. [14:30] • Understanding the grey area between “Awkward” and “Illegal”. [15:50] • What constitutes a reasonable expectation of privacy within the home. [27:00] • What is “safe”/ “legal” to look at when it comes to digital files and online information [27:47] • How valuable credit applications can be when searching for financial information [30:40] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Amanda Trigg | W: www.amandatrigg.com E: [email protected] Items mentioned in this podcast (Stacy’s Recommended Readings) 1. The Richest Man in Babylon George S. Clason’s classic book shares the secrets to overcoming your personal financial problems. Read and absorb the inspirational and informative “Babylonian parables” containing stories on thriftiness, financial planning and personal wealth. 2. MONEY Master the Game: 7 Simple Steps to Financial Freedom Tony Robbins has released his first book in two decades. It includes extensive research and interviews with more than 50 renowned financial experts. Use his easy-to-follow, seven-step plan to get your finances in order, create a lifetime income plan and achieve financial freedom. 3. When She Makes More: 10 Rules for Breadwinning Women Do you earn more than your partner? Personal finance expert Farnoosh Torabi explains how women can avoid burnout, infidelity and divorce as the family breadwinners. Check out her 10 rules to achieving personal and professional success. 4. Prince Charming Isn’t Coming: How Women Get Smart About Money, by Barbara Stanny 5. On My Own Two Feet: A Modern Girl’s Guide to Personal Finance, by Manisha Thakor and Sharon Kedar 6. The Debt Escape Plan, by Beverly Harzog 7. Worth It: Your Life, Your Money, Your Terms, by Amanda Steinberg

In this episode of “Financially Ever After”, Stacy talks with Sunny Joy McMillan, a recovering attorney, a practicing master life coach, award winning author, and a radio host. Sunny is also a happy divorcée who, after an incredibly high-conflict marriage, shared an amazing post-divorce friendship with her ex-husband until his passing in 2018. Listen in and learn how Sunny helps her clients use divorce as a catalyst for personal transformation and create a kick-ass new life. Among the insightful information, Sunny shares: How after years in a high-conflict marriage and unfulfilling legal career, she found her life-calling as a life coach. [3:04] How tools like the seemingly simple act of writing a letter can be some of the most empowering exercises in healing relationships and working toward your essential life path. [6:27] How our thinking creates our feelings, and sometimes those thoughts are not in our best interest, or even true. [19:46] How often the answers we seek can be found within, and how we can build our capacity to get in touch with, and listen to our inner wisdom to build the life that will truly make us fulfilled [22:00] 32:08 Why self-love and self-compassion are the foundation for EVERYTHING in building a life of integrity and fulfillment [32:08] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Sunny Joy McMillan | W: www.goldenoversoul.com E:[email protected] Links to items mentioned in this podcast: UNHITCHED: Unlock Your Courage and Clarity to Unstick Your Bad Marriage https://unhitchedbook.com “Sunny in Seattle” Radio Program: 1150kknw.com/show/sunny-in-seattle/

In this week’s podcast, Stacy talks with New York Divorce attorney Chaim Steinberger - a passionate believer in “divorce without destruction”, as he shares his unique perspective on how women can find the right lawyer to represent them. Chaim went through his own rather nasty divorce and said to himself, “There’s got to be a better way!” Finding an attorney who truly cares about you, fully understands your story, and is driven to bring you justice is just some of the useful advice Chaim shares during the show. You’ll also learn: Why a win/win,“Game Theory” approach to divorce is preferable to a zero sum game strategy [2:46] The four most important factors women should consider when choosing a divorce attorney [6:53] How there seems to be a disconnect between what women really want from a divorce attorney vs. what attorneys think they want [12:10] Why the best lawyers not only listen to their clients’ divorce stories, but fully understand the subtext of their story. [17:40] Why the single greatest determinant of a case’s outcome is whether or not the lawyer truly believes in their gut of the justice of the case. [24:55] Why good lawyers never lie, but great lawyers are masters of spin control who expertly weave together the facts to create a compelling case. [27:40] Links to items mentioned in this podcast: Article - “Divorce without Destruction”https://thenewyorkdivorcelawyers.com/divorce-without-destruction/ Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Chaim Steinberger | W: www.thenewyorkdivorcelawyers.com P: (212) 964-6100 E: [email protected]

This week on Financially Ever After, Stacy is joined by “The Divorcierge,” Karen Bigman. Karen’s background includes both an M.B.A. and Divorce and Life Coach training, making her a powerful source of practical and tactical divorce advice. In addition, Karen also brings personal pre- and post- divorce experience to her work. In this conversation, she shares lessons learned in working with the wrong financial advisor, and how women facing divorce can find the right financial advisor for them. Some of the highlights Karen offers include: The clues that her financial advisor didn’t understand her lifestyle and her plans for her financial future, and wasn’t really hearing her. [7:20] How a lack of transparency around fees, taxes and portfolio makeup affected her income expectations. [10:55] The importance of asking the right questions when interviewing a financial advisor (see link below for a list of questions provided by Francis Financial) [17:05] Why choosing your advisor based solely on a friend’s recommendation can be a bad idea.. [27:40] The surprisingly emotional process of moving to a new advisor, and how rewarding it was in the end. [30:08] For more information on Karen, and additional resources from this show: Karen Bigman | W: thedivorcierge.com P: (646) 612-7800 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Links to items mentioned in this podcast: Questions to ask a financial advisor: https://francisfinancial.com/wp-content/uploads/2018/11/Questions-to-Ask-a-Potential-Advisor.pdf

Managing Money Emotions and Money Behaviors with Master Money Coach, Carrie Rattle In this week’s episode, Stacy talks with CEO & Founder of Behavioral Cents, Carrie Rattle. As a Master Money Coach for professional women, Carrie is living her passion to empower women with the skills and knowledge to save and build wealth. As she so brilliantly states it, “With wealth, women gain an equal vote in the world, build security and control and have choices about how they want to live.” Listen in as Carrie shares some incredible insights regarding the deep and complex relationship between emotions and money behaviors, and learn: How Carrie’s work as a money coach differs from that of a financial adviser: Dealing with the money emotions that drive money behaviors [4:50] Why so many professional women are earning real money but are not acquiring real wealth (hint: It’s not their fault!), and how so many layers of societal “stuff” get between women and money. [9:00] How being “selfish” with money is an act of self-care. [14:30] Why taking the time to fill out a happiness chart is the first, and possibly the most important step on the road to financial empowerment, and how comparison destroys joy [18:19] And more! Links to items mentioned in this podcast: Receive your free money profile here: http://www.behavioralcents.com/my-money-behaviors/ Download your free happiness chart here: http://info.behavioralcents.com/happiness-chart Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected] Carrie Rattle | W: http://www.behavioralcents.com P: (914) 923-6081 E: [email protected]

Matrimonial attorneys, Linda Decorato and Bryan Goldstein, share the top tips you need to know to get on top of your financial picture, without arousing the suspicion of your husband, before you file for divorce and while you are still under the same roof. Linda and Bryan tell real-life stories of women who went from being financially clueless to financially smart, making great decisions that led to their long-term financial security. In this episode, you will learn: How to cope with emotional pain, and realize it is not permanent (6:34) Why it’s better for your children to see strong mothers who make the decision to leave an unhealthy relationship (12:00) The difference between going through divorce when you’re involved and not involved in your finances (15:10) Why you need to be financially aware, so his debts and his fraud don’t become yours (17:45) How to protect yourself, as a non-working woman, with your own account and build your savings (20:00) When the innocent spouse rule doesn’t apply (24:45) If it’s smart to inflate your expenses on your statement of net worth (SNW) (28:00) What is “stockpiling syndrome” and what expenses are most often questioned (34:15) Where to find experienced professionals at any price point (39:51) Linda Decorato | W: www.dcsf.com P: 212-742-8700 E: [email protected] Bryan Goldstein | W: www.dcsf.com P: 212-742-8700 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected]

This week, Stacy is joined by Sallie Mullins Thompson, a CPA who has been through the divorce process, herself. Sallie focuses on the importance of being financially independent for a healthy marriage, as well as for a healthy divorce, should it come to that. Becoming financially independent, like coming to the decision to end one’s marriage, is not a transition that happens overnight - both require a tremendous amount of time and preparation, financially and emotionally. In this episode, you will hear about: How Sallie realized the importance of being financially independent (03:21)Her process of becoming aware of spending and educating herself in finance (05:52)Planning the transition to divorce (08:46)How Sallie overcame the fear of leaving her marriage (15:44)Tips to become financially independent, and when to work with a financial advisor (21:22)Resources for experienced CDFAs Sallie Thompson | W: www.smtcpapllc.com P: (212) 243-9126 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: (212) 374-9008 E: [email protected]

This week, Stacy is joined by divorce and family mediator, Rachel Green. Rachel focusses on the importance of communication not only for a happy marriage, but also for a happy divorce. Mediation is a process for resolving disputes by which an independent mediator assists the parties in reaching a mutually satisfactory settlement. It is an extension of the parties’ own negotiations and is sometimes referred to as a "supercharged negotiation." In this episode, you will gain insight on: Couples who lack communication in the mediation process (05:00) incorporating your attorney in mediation (16:39) Three ways to know if mediation is right for you (19:44) How Rachel mediates cases when one of the spouses has been a victim of domestic violence (23:52) What ‘Shuttle diplomacy’ means (28:33) Some of the mistakes Rachel sees women make as they go through the divorce process (34:48) Rachel Green | W: www.mediate2resolution.com/ P: 718- 965-9236 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week, Stacy is joined by the financial editor of NBC’s TODAY show, owner of DailyWorth, AARP’s personal finance ambassador and host of the podcast HerMoney, Jean Chatzky. In this episode, Stacy dives deeper into Jean’s book, ‘Age Proof’ to focus on the importance of what women can do to achieve both financial independence and biological strength to get you there. In this episode, you will receive answers to the following questions: As a financial expert, did Jean deal with all the finances in her marriage? What are her top tips? – (05:26) How does Jean pick the best investments and manage her finances? (12:05) What is the link between health and wealth? Jean explains how you can secure both. (14:20) What is a Health Savings Account? Do you need one? (17:58) What are the best options for health insurance plans for newly divorced women? (23:34) What are some words of wisdom for divorced women who want to stay financially and physically fit? (28:23) Sign up for Daily Worth’s Newsletter, helping women earn more, save more and spend smarter: [email protected]. Subscribe to Jean’s Podcast, ‘HerMoney’ – Making money make sense Order Jean’s Book ‘Age Proof’ – Live longer without running out of money or breaking a hip Jean Chatzky | W: www.jeanchatzky.com P: 914- 260-0610E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week, Stacy is joined by experienced seasoned litigator and matrimonial attorney, Richard Adago. Gray divorces have become increasingly common and Richard has come across numerous cases, both amicable and uncordial. In this episode, Richard provides an insight into the legal aspects of how to deal with an unexpected broken marriage and specifically when adult children are involved. In this episode you will gain insight on: Why there is an increase in gray divorces (03:00) How a gray divorce is different to a younger couple getting divorced (07:31) Client stories about being financially in the dark (09:38) What is not allowed in a marriage when fishing for financial information (15:37) Tips on how to legally disclose your husband’s financial information (17:58) What Richard’s financial story is (19:32) When mediation is the right route to take (26:19) When interviewing lawyers, how to know who is going to protect you from yourself (30:27) Richard Adago | W: www.phillipsnizer.com/ P: 212-841-0541 E:[email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week, Stacy is joined by Michelle Lisa Anderson, speaker, Author and CCO of movement ‘Love over Addiction.’ Michelle shares her personal story of divorcing a man who suffered from drug and alcohol addiction. She also opens up about the details behind her dysfunctional marriage, which she kept hidden, and how she opened the door to happiness. She emphasizes the importance of loving ourselves for the people we are today and not the people we are trying to become tomorrow. In this episode you will gain insight on: How to support a friend or family member who is going through a dysfunctional marriage (07:43) Why we so frequently pursue those who can't love us in the way we need (12:04) How to prevent this from this happening again (18:42) How to know when to leave (22:44) How to know whether your situation is ‘normal’ (29:29) Where to receive emotional support during a transition (34:04) Those interested in receiving Michelle’s Free 12 Tips Every Woman & Mother Need to Know When Loving Someone Who Drinks Too Much or Suffers From Substance Abuse can visit: http://loveoveraddiction.com/stacy and enter your email address. The freebie will be emailed to you. Michelle Anderson | W: LoveOverAddiction.com E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week, Stacy is joined by Certified Divorce Financial Analyst®, and budget coach, Michelle Jacobik. Her financial solutions and support programs have helped numerous women rebuild their financial life before, during and after divorce. In this episode, Michelle provides an insight into being financially prepared for such a drastic transition and what to avoid during this difficult time from both a personal and professional aspect of divorce. In this episode, you will gain insight into: What a budget coach does (4:11)How Michelle got into the budgeting industry (7:04)What financial consistency means (9:49)How Michelle brought stability to her finances (14:30)What prosperity after divorce means (20:06)What tools make budgeting and recording your spending easier (22:30)Useful resources for budgeting (28:19) How to prepare yourself for your post-divorce financial situation (33:00)· Michelle Jacobik | W: https://michellejacobik.com/ P: 860-334-1351 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week Stacy is joined by Christine Barranca, who shares her courageous divorce story. Christine was in the middle of an unhealthy marriage, and at the same time she was also dealing with a career change, and battling cancer. Stacy and Christine discuss the challenges of feeling trapped in a marriage, and how she ultimately succeeded in leaving. Christine is now thriving, and enjoys spending time with her son's family, friends, reading historical novels, mentoring junior agents in her real estate work, and supporting and guiding women diagnosed with breast cancer. In this episode, you will hear answers to the following: What were some changes during and after the divorce? (2:56) How did you gain the courage to say “this is not how I want to continue living my life?” (4:24) How did you keep a strong bond with your children throughout this process? (9:50) How was your life going to change financially? (12:17) What did you do when he withdrew all the money from the joint accounts? (16:59) How did you know the right lawyer to choose? (19:00) Options for staying in your neighbourhood post-divorce when you realized it could be very expensive? (24:19) How do you pick the right real estate agent? (29:25) Stacy Francis | P: 212-374-9008 | E: [email protected] | W: www.francisfinancial.com Christine Barranca | P: 646.461.8477 | E: [email protected]

This week, Stacy is joined by Kathleen Burns Kingsbury, a wealth psychology expert, founder of KBK Wealth Connection, host of the Breaking Money Silence® podcast, and an internationally published author and speaker. In this episode, Kathleen highlights how important it is to have regular financial conversations with your partner and that research has shown it increases intimacy in relationships. Kathleen holds an interest in financial psychology, background in banking and drive to empower people to take control of their financial lives. This episode is filled with insightful secrets on how to make good financial decisions when going through divorce. You will gain insight on: What gave Kathleen the courage to not make the money conversation taboo (03:38) The difference between men talking/not talking about money compared to women (05:37) If finances have anything to do with the fact that 50% of first marriages end in divorce (06:58) Why couples try to hide finances from their spouse (08:16) What happens when one person is overpowered in a meeting with their financial planner (11:09) How to best manage your money relationship according to your generation, age and background (16:35) Top tips for women going through divorce to make sure they have the right mindset to make good financial decisions (27:26) Kathleen Burns Kingsbury | W: www.kbkwealthconnection.com P: 617-773-2344 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]

This week, Stacy is joined by matrimonial attorneys and Certified Divorce Financial Analysts, Lisa Zeiderman and Faith Miller. It was their own difficult divorces that their path to a career in matrimonial law was forged. They recognize that organization, responsiveness and knowledge of complex finances is necessary in order to best advocate for their clients. In this episode, Stacy, Lisa and Faith focus on the financial, real estate and emotional assistance a matrimonial attorney provides. You will gain insight on: Postponing getting divorced until a maintenance alimony is not taxable to you (05:07) Poor financial mistakes being made regardless of guidance (07:56) Reassuring your child in a non-expensive way (11:40) What not to put in your joint account (15:54) The difference between passive appreciation and active appreciation (19:42) How finances are different from your parents’ generation (23:25) Prenups and Postnups (42:05) Lisa Zeiderman | W: https://mzwnylaw.com/ P: 212-324-3707 E: [email protected] Faith Miller | W: https://mzwnylaw.com/ P: 212-324-3707 E: [email protected] Stacy Francis | W: www.francisfinancial.com P: 212-374-9008 E: [email protected]