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Before you separate or divorce: steps to take & protecting yourself

You don’t have to have it all figured out today. A few calm, careful steps now can protect you, your kids and your future.

⏱ 5 min read📑 11 sections📚 23 sources✅ Reviewed October 2026

By the numbers

Why planning ahead matters.

Divorce

672,502divorces were recorded in 2023 in the 45 U.S. states (plus D.C.) that report them (CDC provisional data).
41%was the average drop in women’s household income after divorce, almost twice the drop men saw, in a U.S. government study.

Safety & cover

1 in 3+women, and more than 1 in 6 men, in the U.S. have experienced violence, sexual violence or stalking by a partner in their lifetime.
60 daysis the window to sign up for Marketplace health insurance if you lose your coverage because of a divorce or legal separation.

Slow down: big decisions need a clear head

Getting clear before you act, whichever way you go.

Deciding to separate is one of the biggest choices a person can make. It is easy to act in a moment of anger, or to freeze for years. Taking a little time to get clear can protect you from regret either way.

Often one partner wants to end things while the other wants to try. Researchers at the University of Minnesota call these “mixed-agenda” couples: one says “I’m done” and the other says “let’s try.”

🔍 Discernment counselingA short type of counseling for couples on the brink.
Read more

Discernment counseling was developed at the University of Minnesota for couples where one partner is leaning out. Its goal is not to save the marriage at all costs. It helps both people gain clarity and confidence about the future, understand what happened, and see their own part in the problems.

Counseling together is usually not recommended when there is abuse. See “If there is abuse, safety comes first” below.
🛋️ Couples therapyIf you both want to try, a couples therapist can help.
Read more

If both of you are willing to work on things, couples therapy can help you talk more clearly. Even if you separate in the end, it can help you part with less conflict.

See Couples therapy: what to expect & how to make it work.
🪑 Your own therapistA private space to think out loud.
Read more

Talking with your own therapist can help you sort out your feelings, fears and hopes without pressure from anyone else. It can also help you plan how to stay steady through whatever comes next.

📝 Questions to sit withHonest answers help you see the picture.
Read more

Ask yourself

  • Do I feel safe and respected?
  • Have we both really tried to change things?
  • Is this a hard season, or a long pattern?
  • What am I most afraid of: staying or going?
  • What would need to change for me to stay?
The “Am I ready to decide?” worksheet walks you through these.
For the feelings of divorce and life after it, see Going through divorce or separation.

If there is abuse, safety comes first

Why leaving an abusive partner needs a careful plan.

If your partner hurts, threatens, frightens or controls you, the steps in this guide still matter, but the order changes. The National Domestic Violence Hotline says leaving is often the most dangerous period for survivors, because it threatens the abuser’s control.

🤫 Plan before you tellYou don’t have to announce that you’re leaving.
Read more

With an abusive partner, telling them first can put you at risk. A domestic violence advocate can help you plan when and how to leave, and what to do first.

📱 Research from a safer deviceYour phone or computer may be watched.
Read more

If someone seems to know too much about you, they may be monitoring your devices or accounts. Safety experts suggest using a device they have never had access to, like a library computer or a friend’s phone.

Changing passwords or removing a tracker can sometimes make an abuser escalate, so think it through with an advocate first.

⚖️ Mediation may not be safeSitting across from an abuser is not a fair negotiation.
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Mediation is usually not suitable when there has been domestic violence, child abuse or a serious power imbalance. Tell your lawyer or legal aid office about any abuse, so they can suggest safer options.

📒 Keeping a private recordNotes can help later, if it’s safe to keep them.
Read more

The Hotline suggests keeping a journal of incidents with dates, events and threats, plus photos of injuries and threatening messages, somewhere your partner can’t find them.

National Domestic Violence Hotline: call 1-800-799-7233 or text START to 88788, 24/7, free and confidential. If you are in danger now, call 911. The Safety planning & leaving guide has a full plan.

Talking to a professional first

Lawyers, legal aid, mediators and counselors: who does what.

Laws on separation, divorce, money and children are different in every state and country. Talking with a legal professional early, even once, can help you understand your options before anything is decided. This guide gives general steps, not legal advice.

🆓 Free legal aidHelp for people who can’t afford a lawyer.
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Legal aid offices give free civil legal help to people with low incomes. The Legal Services Corporation website, lsc.gov, lets you search for a legal aid office near you.

LawHelp.org lists nonprofit legal aid programs by state and has free legal information and forms.

🏛️ Court self-help centersMany courts explain forms and steps for free.
Read more

Many state courts run self-help centers or websites that explain the divorce process, forms and deadlines in plain language. Search your state court’s name plus “self-help”.

🗓️ A first meeting with a lawyerOne consultation can answer a lot of questions.
Read more

Bring with you

  • A list of questions
  • A short timeline of key dates
  • Copies of papers about income, debts and property
  • Notes on any safety concerns
  • Someone calm to take notes, if you like
The “Questions for my first legal meeting” worksheet helps you prepare.
🤝 MediatorsA neutral person who helps you agree.
Read more

A mediator helps you both talk and reach your own agreement. Mediators don’t decide who is right. Some people see their own lawyer before or during mediation.

💳 Credit counselorsFree or low-cost help with budgets and debts.
Read more

A nonprofit credit counselor can help you make a budget for one household and a plan for debts. The National Foundation for Credit Counseling lists member agencies.

Try not to sign anything, move large amounts of money or move out for good before you understand how it could affect you. Ask a legal professional first when you can.

Gathering documents and copies

The papers you’ll likely need, and where to keep them.

Separating is much easier when you can find your important papers. Gather what you can, quietly and calmly, and keep copies somewhere safe that only you can reach.

🪪 Identity papersFor you and your children.
Read more
  • Birth certificates
  • Health insurance cards
  • Passports or immigration papers
  • Social Security cards
🏦 Money papersA picture of what comes in and goes out.
Read more
  • A recent credit report
  • Bank and retirement statements
  • Pay stubs
  • The last two years of tax returns
🏠 Home and carWho owns or rents what.
Read more
  • Car title or lease papers
  • Insurance policies
  • Lease, mortgage statement or deed
🔐 Keeping copies safeSomewhere your partner can’t reach.
Read more

The Office on Women’s Health suggests keeping copies of important documents on a thumb drive, in a place your partner can’t find. Some people leave a set with a trusted friend.

If you are in danger, leave without your papers. Your safety matters more, and most documents can be replaced.
Use the “My papers & accounts checklist” worksheet to tick things off as you go.

A money snapshot: what you have and what you owe

Seeing the whole picture before anything is divided.

Many people don’t know every account, debt or bill in their household, especially if their partner handled the money. A simple snapshot helps you, your lawyer and any counselor understand where things stand.

Building your snapshot

  1. Get your free credit report at AnnualCreditReport.com. It shows loans and cards in your name, including joint ones you may have forgotten.
  2. List every bank, savings and retirement account you know of, and whose name is on each.
  3. List debts: mortgage or rent, car loans, credit cards, student loans, medical bills.
  4. Write down monthly income and regular bills.
  5. Note anything you don’t understand, to ask a professional about.
📄 Free credit reportsOnly one official website.
Read more

The FTC says AnnualCreditReport.com is the only authorized website for free credit reports, and you can now check each of the three bureaus weekly for free. You can also call 1-877-322-8228.

Other sites may claim to be free but sell monitoring. Type the address yourself.
🔗 Joint accounts and debtsAsk before you close or drain anything.
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Shared accounts and debts can be complicated. Closing a joint account, or taking money out of it, may affect your case. Ask a legal aid office or lawyer what is wise where you live before you act.

🫙 A bit of money of your ownA small cushion gives you choices.
Read more

If you have no money in your own name, it can help to set a little aside. The Hotline suggests keeping it somewhere an abusive partner can’t reach, or with a trusted person.

📉 Planning for one incomeBudgets often shrink after a split.
Read more

A U.S. government study found women’s household income fell by 41% on average with divorce, almost twice the drop men saw. Knowing this ahead of time helps you plan rather than panic.

See Debt & financial hardship and Money in families & relationships for budgeting and money talks.

Your accounts, passwords and devices

Protecting your privacy as you separate.

Couples often share passwords, phone plans, cloud accounts and location apps. When you separate, those open doors can lead to hurt feelings, snooping or worse. Closing them gently protects your privacy.

🔒 PasswordsChange the ones your partner knows.
Read more

Change passwords from a device your partner has never used. Use a different password for each account, and avoid logging in to updated accounts on a device that may be watched.

Start with

  • Banking and money apps
  • Cloud photo and file storage
  • Email
  • Phone carrier account
  • Social media
📍 Location sharingPhones, apps and even cars can share where you are.
Read more

Check location sharing on your phone, apps and accounts. Ask your phone company about family plans, and check car services like roadside assistance, which can share location too.

📬 Mail and contact detailsMake sure important messages reach you.
Read more

Think about where your mail, bills and legal papers will go. Update your contact details with your bank, employer, doctor and children’s school when it is safe to do so.

⚠️ If abuse is part of the picturePlan tech changes with an advocate.
Read more

Cutting off an abuser’s access suddenly can lead to escalation. Safety experts suggest documenting evidence and planning first.

The Safety planning & leaving guide has a full tech safety section.

Home, health cover and daily life

Where you’ll live, health insurance, and the basics.

Where you will live, how you will get to work, and whether you’ll still have health insurance are some of the first worries people have. You don’t need every answer now. It helps to know your options.

🚪 Who stays, who goesAsk before you move out for good.
Read more

In some places, moving out may affect legal questions about the home or the children. If you can, talk with a legal aid office or lawyer before you make a permanent move, unless you need to leave for safety.

If you need somewhere to go soon, see Finding a safe place to go when a relationship ends.
🏥 Health insurance through your partnerYou may be able to keep it for a while.
Read more

In the U.S., divorce is one of the life events that can let you keep employer group health coverage for a limited time through COBRA. You usually pay the full cost, up to 102% of the plan’s price.

If you lose coverage because of a divorce or legal separation, you can sign up for Marketplace insurance within 60 days. Divorce without losing coverage does not count.

🧺 The daily basicsCar, phone, keys and routines.
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Things to think about

  • A phone plan in your own name
  • How you’ll get to work and school
  • Spare keys for your car and home
  • Who will care for pets
  • Your own bank account for pay
💗 Looking after yourselfPlanning a separation is exhausting.
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Sleep, regular meals, short walks and one or two people you can talk to make it easier to think clearly. In one study of separating adults, people who spoke about the split with more self-compassion had fewer painful, intrusive thoughts about it months later.

Thinking ahead for your kids

What to tell them, and keeping their world steady.

If you have children, they will need you to be calm, honest and steady. A little planning before you tell them can make a big difference to how safe they feel.

👪 Tell them together, if you canA calm, shared message helps children feel safe.
Read more

The American Academy of Pediatrics suggests parents tell children together, in a calm tone, with a clear and simple message. Stress that this is an adult decision about adult problems.

Children need to hear

  • “This is not your fault.”
  • “We both love you, and that won’t change.”
  • “You will be safe and cared for.”
🙊 Leave out the detailsAdult problems stay with adults.
Read more

Messy details can make children think they caused the split or must fix it. Answer their questions honestly about what will change for them: where they will live, school, and when they will see each parent.

🕰️ Keep routines steadyFamiliar days help children cope.
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Keeping daily routines as normal as possible helps children through big changes. Young children need routines and extra affection. Teens may want more detail and calm, open talks.

📅 A first parenting planStart thinking about schedules and handovers.
Read more

Think about school runs, bedtimes, holidays and how you will share news about the children. A legal professional can explain how parenting plans work where you live.

See Healthy co-parenting for two-home routines, and Kids & family changes for your children’s feelings.
If you are afraid your partner may harm or take the children, talk with a domestic violence advocate before you act: 1-800-799-7233 or text START to 88788.

Talking to your partner about separating

When it’s safe: a calm, clear, kind conversation.

This section is for relationships where you feel safe. If you are afraid of how your partner will react, skip this and talk with an advocate first.

There is no painless way to say “I want to separate.” But how you say it can shape the months ahead. Clear, kind and brief usually works better than a long list of everything that went wrong.

⏰ Pick the momentPrivate, calm and not rushed.
Read more

Try to avoid

  • Holidays, birthdays or big family events
  • Times when either of you has been drinking
  • Right before work or a school run
  • When children can hear
💬 Say it simplyA few clear sentences.
Read more

Example

  • “I’ve thought about this for a long time. I’ve decided I want to separate. I know this is hard to hear. I want us to handle it as fairly and calmly as we can, especially for the kids.”

Avoid blame and arguing about the past. You can say you are willing to talk about next steps another day.

🌊 Expect strong feelingsShock, anger or pleading are common.
Read more

Your partner may be shocked, angry or desperate to change your mind. You don’t have to answer every question that night. It is fine to pause and come back to practical topics later.

Communication & listening skills has tips for staying calm in hard talks.
🪜 What comes nextAgree on a few short-term basics.
Read more

Things to agree on soon

  • How and when you’ll tell the children
  • How bills get paid for now
  • Sleeping arrangements for now
  • Whether you’ll try counseling or mediation

When and where to get help

Your support team, and who to call.

🤝 Your support teamYou don’t have to plan alone.
Read more

People who can help

  • A counselor or therapist
  • A domestic violence advocate, if there is abuse
  • A legal aid office or lawyer
  • A nonprofit credit counselor
  • One or two trusted friends or family members
💛 How friends and family can helpPractical help and a listening ear.
Read more

What helps

  • Come to a legal meeting to take notes
  • Help with childcare during appointments
  • Keep copies of papers safe
  • Listen without pushing a decision
  • Offer a spare room or couch if needed
If they share safety worries with you, keep what they tell you private.

Reach out to a clinical provider or therapist if…

  • Drinking or other substances are becoming a way to cope
  • Stress is affecting your sleep, health, work or parenting
  • You feel hopeless or have thoughts of not wanting to live

Where to get help (U.S.)

  • 211: call 211 or visit 211.org for local help with housing, food and bills
  • Legal aid: search lsc.gov, or find your state’s programs at LawHelp.org
  • National Domestic Violence Hotline: 1-800-799-7233 or text START to 88788, 24/7
In crisis? Call or text 988 (U.S.), or text HOME to 741741. If a life is in danger, call 911.
Outside the U.S.? Visit findahelpline.com to find free, confidential support in your country.

📝 Worksheets for this guide

Fill these in privately in the app. Your answers stay on your phone.

Am I ready to decide?Slow down and look at your reasons, fears and hopes before making a big decision.
My papers & accounts checklistKeep track of the documents and accounts you’ve found, and where copies are kept.
Our money at a glanceA simple snapshot of what comes in, what goes out, and what is owed. Bring it to a legal or credit counseling meeting.
Questions for my first legal meetingWrite your questions down before a meeting with legal aid, a lawyer or a mediator, so nothing gets forgotten.
🔒 Fill in privately in the Mentally United Wellness App. Free, no ads, no accounts.

Sources

  1. Centers for Disease Control and Prevention (CDC), National Center for Health Statistics. FastStats: Marriage and Divorce
  2. U.S. Government Accountability Office (GAO) (2012). Retirement Security: Women Still Face Challenges (GAO-12-699)
  3. Centers for Disease Control and Prevention (CDC). About Intimate Partner Violence
  4. HealthCare.gov, U.S. Centers for Medicare & Medicaid Services. Special Enrollment Period (SEP)
  5. University of Minnesota. Minnesota Couples on the Brink Project (Discernment Counseling)
  6. National Domestic Violence Hotline. Why People Stay in an Abusive Relationship
  7. National Domestic Violence Hotline. The National Domestic Violence Hotline
  8. National Domestic Violence Hotline. Preparing to Leave
  9. Office for Victims of Crime (OVC), U.S. Department of Justice. Whom can I talk to about an abusive relationship?
  10. National Network to End Domestic Violence (NNEDV), Safety Net Project. Technology Safety Plan: A Guide for Survivors and Advocates
  11. New York State Unified Court System. Resolving Divorce Using Mediation (Westchester County Matrimonial Mediation Program)
  12. Legal Services Corporation (LSC). Get Legal Help
  13. Pro Bono Net with nonprofit legal aid programs. LawHelp.org: Find free legal help and information
  14. Judicial Branch of California, California Courts Self-Help Guide. Divorce in California
  15. National Foundation for Credit Counseling (NFCC), nonprofit. National Foundation for Credit Counseling
  16. Office on Women’s Health, U.S. Department of Health and Human Services. Leaving an abusive relationship
  17. Federal Trade Commission (FTC). Free Credit Reports
  18. Consumer Financial Protection Bureau (CFPB). How do I get a free copy of my credit reports?
  19. U.S. Department of Labor. Continuation of Health Coverage (COBRA)
  20. Peer-reviewed research (2012). When leaving your ex, love yourself: observational ratings of self-compassion predict the course of emotional recovery following marital separation (Sbarra, Smith & Mehl, Psychological Science)
  21. American Academy of Pediatrics (HealthyChildren.org). How to Talk to Your Children about Divorce
  22. 211 (United Way Worldwide). 211: Get connected, get help
  23. United Way Worldwide. 211: Connecting People to Local Resources

This guide is for education and self-care. It is not a diagnosis or a substitute for professional care. Please talk to a counselor or clinical provider about your health. Reviewed October 2026.

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