Cover Your Assets – A Divorce & Money Podcast
Cover Your Assets is a podcast focused on the financial side of divorce. Hosts Josephti Cruz, Jade Eagles, Whitney Light, and Maureen Paley guide listeners through money decisions that come with ending a marriage. Episodes aim to help people protect their assets and make informed choices during a difficult transition. The show combines practical financial guidance with a supportive, plainspoken tone.
Episodes
Introducing Whitney Light, CDFA: When ADHD Meets Divorce
What happens when ADHD and divorce collide? Whitney Light shares her personal journey from experiencing a 3-year separation to becoming a Certified Divorce Financial Analyst (CDFA), and how that experience shaped the work she does today.We're breaking down how ADHD-related challenges like procrastination, avoidance, decision paralysis, and difficulty managing financial details can contribute
38. Reaching the Light at the End of the Tunnel with Sarah Frontiera
Divorce can feel like an ending, but Licensed Marriage and Family Therapist Sarah Frontiera helps us reframe it as a beginning—one filled with growth, clarity, and deeper self-understanding. In this episode, Sarah shares how healing happens not by avoiding pain, but by moving through it with intention. We talk about how exploring past patterns can create lasting change, why building support system
37. What Adult Children of Divorce Want You to Know with Lesa Ferguson and Donna Fletcher
In this emotional episode, three adults reflect on what it was really like to watch their parents' marriages fall apart as children—and how those early experiences still shape them today. From Lesa becoming a stand-in parent at age 12, to Jo escaping a violent home at four, to Donna leaving behind her life in the Philippines, their stories reveal the silent impact divorce has on kids. What hu
36. Divorce and the Tax Mistakes Most People Miss
Dividing assets in a divorce might seem fair on the surface, but taxes can quietly tip the scales. In this episode, we share why a Roth IRA is not the same as a 401(k), and why keeping the house might come with hidden costs later. We also break down child-related tax benefits, how to avoid penalties when splitting retirement accounts, and why your divorce decree needs to get specific. If you are n
35. Leaving Safely, Starting Over: Domestic Violence in Divorce with Stephanie Seal
Divorce is hard enough, but when domestic violence is involved, the stakes become life-altering. In this episode, licensed psychotherapist Stephanie Seal breaks down what non-physical abuse really looks like and how the cycle of control, gaslighting, and isolation keeps victims stuck. She shares essential tools for creating a safe exit strategy, from documenting abuse to planning a secure separati
34. Legal Considerations of Domestic Violence and Divorce with Ksenya Kogan
Family law attorney Ksenya Kogan doesn’t sugarcoat the realities of divorce litigation, especially when domestic violence is part of the picture. In this episode, she shares what really happens in family court, how well-meaning laws can be misused, and why finding the right attorney makes all the difference. We talk about the high emotional and financial costs of domestic violence allegations, how
33. Navigating Emotional and Financial Stress During Divorce with Dr. Leanne Miller
Divorce can be emotionally brutal, but it doesn't have to break you. In this episode, Dr. Leanne Miller, LMFT, a licensed marriage and family therapist, shares how simple tools like the “practice of the pause” and box breathing can help you regain control in high-stress moments. We also unpack why men often struggle more with emotional processing and how shifting support systems are starting
32. Child Support vs. Alimony: Financial Considerations in Divorce
The financial fallout of divorce is full of myths, especially when it comes to child support and alimony. In this episode, we cut through the confusion to explain how these obligations actually work, from calculation methods and common misconceptions to modification rules and termination triggers. We explore why lifetime alimony is mostly a thing of the past, how support models differ across state
31. How Collaborative Divorce Protects Your Privacy, Peace, and Finances with Nicole Stednitz
Divorce doesn’t have to mean emotional warfare and courtroom showdowns. In this episode, attorney Nicole Stednitz introduces the collaborative divorce model—an out-of-court approach where couples work with a team of legal, financial, and emotional professionals to find sustainable, family-focused solutions. We unpack how the disqualification clause builds real accountability, why collaborative div
30. What Children Really Need When Parents Separate with Stephanie Seal
What do kids really need when parents divorce? In this episode, licensed psychotherapist Stephanie Seal joins us to talk about how children experience separation—and what parents can do to protect their emotional well-being along the way.We cover common misconceptions, including why younger kids often internalize divorce more than we realize, and how even well-meaning silence can leave lasting imp
29. Getting Along with Your Ex’s Partner (and Your Kid’s New Step-Parent) with Lesa Ferguson
Co-parenting isn’t always easy, but it can be done! As long as it’s built on a foundation of respect, teamwork and love.In this heartfelt episode of Cover Your Assets, Lesa Ferguson joins us to share her real-world experiences as a step-parent—and how she helped create a harmonious, blended family after divorce. From setting boundaries to putting kids first, we dive into the emotional side of co-p
28. Legal Separation Explained: How a Date Impacts Your Divorce with Diane Nguyen
On this episode of Cover Your Assets, we’re breaking down the critical — and often overlooked — difference between date of separation and legal separation during divorce. Attorney Diane Nguyen explains why this distinction matters, especially in high-asset cases where bonuses, stock options, or home appreciation could be at stake.We cover how California defines separation, why the exact timing can
27. Are Prenups Planning For Failure?
On this episode of “Cover Your Assets,” we explore how prenups have evolved from a taboo symbol of distrust to proactive agreements for financial transparency. Growing in popularity from 3% in 2010 to 15% today, couples are realizing that prenups aren’t just for the wealthy. They help protect assets, manage debts, and even safeguard blended families. Whether you're planning your first wedding
26. What’s a Divorce Attorney? with Michael Rice
On this episode, we’re talking to divorce attorney Michael Rice. Michael weighs in on mediation in divorce, explaining why having a consulting attorney makes the process less daunting and how mediation can lead to a more controlled and efficient divorce process. We also discuss strategies for preserving your financial interests through a divorce process, tips for navigating your emotions during ne
25. Divorce Stories: Bringing Color Back To Your Life After Divorce with Trisha Perez
On today’s episode, we chat with Trisha Perez, an entrepreneur who empowers women through spirituality. She shares her interpretation of Nancy Hetrick’s four phases of transition during divorce, highlighting how introspection helped her identify the issues in her marriage and take action. We discuss the mediation process, navigating divorce in lockdown, and the “messy, messy, messy, fun, fun, fun”
24. Divorce Stories: The Dangers of a “D.I.Y.” Divorce with Sandy Anleu
Our friend Sandy Anleu joins us on today’s episode to talk about the lessons she had to learn the hard way from her ‘DIY’ divorce 5 years ago. We go through Nancy Hetrick’s four stages of transition in divorce from last episode to unpack the moment Sandy knew her marriage was over, the toll divorce takes on your decision-making, and how she is using her newfound financial independence to work towa
23. The 4 Stages of Transition in Divorce with Nancy Hetrick
Do you feel like your divorce is never-ending? Like it will dominate the rest of your life? There is a light at the end of the tunnel! Join us as we discuss the four stages of transition in divorce (and how long it takes to reach your “new normal”) with Nancy Hetrick, Founder & CEO of the Divorce Financial Planner Training Center.Nancy Hetrick on LinkedInNancy Hetrick on TwitterDivorce Financi
22. Real Estate Divisions in Divorce
Who gets the house? Join us as we unpack one of the most financially (and emotionally) complicated questions in divorce. We talk about the pros and cons of selling, buying out your spouse and choosing joint ownership. Plus, we look at some common complications that people often miss.Jade Eagles on LinkedInJosephti Cruz on LinkedIn Divorce might be the end of one chapter, but it’s also the start of
21. Divorce Stories: How Finding a ‘Divorce Mentor’ Made All the Difference with Marnie Maton
Navigating divorce alone is incredibly intimidating. Join us as we talk to Marnie Maton about her story of finding a “divorce mentor” and how it made all the difference. We also walk through identifying your nonnegotiables, self-care, the power of preparedness, and much more! Connect with us! Marnie Maton on LinkedInMarnie’s website"Vote For You" by Marnie MatonJade Eagles on LinkedInJos
20. What Happens to Your Retirement Accounts in a Divorce?
Dividing retirement savings during a divorce can be tricky. Join us as we break down the key differences between traditional and Roth IRAs, 401(k)s, HSAs and more. We also cover QDROs (Qualified Domestic Relations Orders), and how to avoid costly mistakes when splitting your retirement accounts. Whether you’re going through a divorce or planning ahead, tune in to make sure you’re informed!Connect
19. Finding Holiday Cheer After Your Divorce
The holidays after or during a divorce can be tough, but they’re a chance to create new traditions and focus on what matters most: family, kindness, and joy. Learn to co-parent with ease, set simple budgets, and teach your kids the power of giving back. From acts of kindness to fun traditions like sweaters and holiday lights, it’s all about making memories, not spending big. Let’s make this season
18. What's a Divorce Planner?
How do you separate the emotions from the business side of divorce? Learn how our guest, divorce prep coach Alex Beattie, helps individuals gather their essential administrative information and clearly define their goals and priorities before taking the plunge into separation. We also tackle the often-overlooked aspect of managing finances during a divorce, including the complexities of hidden ass
17. What's a Divorce Mediator?
Can you really settle a divorce without messy court proceedings? Learn how Barry Davis, an experienced divorce mediator, helps couples navigate the potential conflicts of separation by empowering them to make their own decisions. Discover the benefits of divorce mediation—saving time, money, and creating a healthier emotional environment for everyone involved. Barry also dispels common myths, show
16. Common Financial Mistakes to Avoid in Divorce
Ever rushed into a major decision only to regret it later? In this episode, Josephti and Jade share personal stories of hasty divorces and the costly financial mistakes that followed. They explore why so many women face unexpected financial surprises post-divorce and emphasize the importance of fully understanding your finances before making any big moves. Learn how professionals like Certified Di
15. You’re a SAHM, and Your Husband Wants a Divorce. Now What?
What would you do if your partner suddenly wanted a divorce? In this episode of "Cover Your Assets," we tackle the gut-wrenching reality of divorce, especially for stay-at-home parents. First, we address the sheer emotional shock and the critical initial steps to take. Then, our discussion is all about taking control of your new life. We emphasize the importance of building a supportive
14. How Does Divorce Impact Your Social Security?
Understanding Social Security benefits during a divorce can impact your financial future. Join Jade Eagles and Josephti Cruz as they unravel the complexities of claiming spousal benefits based on your ex-spouse's work history. They debunk common myths and clarify eligibility criteria, particularly for lower wage earners or those who've struggled to meet the 10-year earning requirement. J
13. Insurance Needs After Divorce
What if an outdated beneficiary designation could disrupt your financial plans? In this episode of "Cover Your Assets" Josephti Cruz and Jade Eagles share real-life stories of unexpected life insurance settlements and highlight the importance of updating your policies post-divorce.We explore the challenges women face with health insurance after divorce, offering practical advice on audit
12. Financial Planning for Single Parenthood
Navigating single parenthood can be daunting, but with the right strategies, it’s possible to turn fear into empowerment. In this episode of "Cover Your Assets," we explore the emotional and financial challenges of transitioning to a single-income household. Learn from personal stories about budgeting, dividing assets, and managing increased expenses, all while maintaining a positive min
11. Navigating Emotional and Financial Stress During Divorce
Many people overlook the critical role emotions play in financial decisions during a divorce? Join us on "Cover Your Assets" as we reveal how addressing emotional stress can pave the way for sound financial planning. We'll take you on a journey through the seven emotional stages of divorce—shock and denial; fear; anger; bargaining; guilt; extreme sadness and grief; and acceptance—sh
10. Estate Planning Post-Divorce
Can you imagine your ex-spouse inheriting millions of your assets just because you forgot to update some documents? In this episode of "Cover Your Assets," Josephti Cruz and Jade Eagles discuss the crucial need to update your estate plans during and after a divorce. Learn from real-life stories and expert advice to ensure your assets go where you want them.They cover the importance of up
9. Rebuilding Financial Independence After Divorce
Divorce can turn your world upside down, but rebuilding your financial foundation is crucial. Join Jade Eagles and Josephti Cruz as they guide you through essential steps to reclaim financial stability post-divorce. Learn how to set new financial goals, build emergency savings, and secure long-term stability with retirement accounts. Discover smart strategies for managing your finances, avoiding u
8. Protecting Your Credit During and After Divorce
Going through a divorce? Secure your financial future with essential credit protection strategies. Join Josephti Cruz and Jade Eagles as they share tips on monitoring and safeguarding your credit score, from checking credit reports to managing joint accounts.Learn how to leverage free credit tracking services and establish a solid credit baseline. Discover why timely bill payments and strong, uniq
7. Co-Parenting Finances: Strategies for Success
Divorce may be all about money, but when it comes to children during divorce, it's all about them. Due to the delicate nature of co-parenting, navigating the expenses of raising a child can be difficult. Unexpected costs, communication barriers, and the general woes of kids can make this task beyond challenging. But it is not impossible. This week, Josephti Cruz and Jade Eagles unpack the har
6. The Role of a Certified Divorce Financial Analyst (CDFA®)
Marriage may be all about love, but divorce is all about money. Therapists and mediators are great resources for your emotional and legal needs, but your finances should be left to the professionals—Certified Divorce Financial Analysts (CDFAs®). Their training and expertise provide a wealth of knowledge, helping to steer you in the right direction. This week, Josephti Cruz and Jade Eagles review t
5. Debts and Divorce: Managing Financial Liabilities
Everything during a divorce gets split—including debt. But that doesn’t always mean that your collective debt gets simply cut down the middle. Managing your financial liabilities may seem like another chore, but it's vital for setting yourself up for success. This week, live from Walt Disney World, Josephti Cruz and Jade Eagles share the crucial know-how for tackling the mountain of debt that
4. Splitting Assets: What You May Need to Know
Who gets the pizza oven during a divorce? What about the beach house? The answer isn’t always black and white for couples going through a divorce. The division of assets can quickly become an emotionally charged and lengthy process, especially for the unprepared. This week, Josephti Cruz and Jade Eagles break down splitting assets and the distinctions between marital and separate property while se
3. Budgeting During And After Divorce
Let’s face it—budgeting is hard. Unfortunately, budgeting post-divorce can be even harder. With emotions running high, having to restructure your spending habits can seem like one more thing to add to your ever-growing list. Fortunately, Josephti Cruz and Jade Eagles are here to equip listeners with the tips and tricks they need to foster financial independence. With laughter and real-life stories
2. Overcoming the Financial Impact of Divorce
We spend a lot of time focusing on the legal and emotional sides of divorce, but what about the financial? With a staggering 41% of women experiencing a drop in income post-divorce, understanding the short and long-term impacts of divorce is crucial for planning the next stages of your journey. Hosts Jade Eagles and Josephti Cruz offer a candid look into the realities of transitioning to a single-
1. Welcome to Cover Your Assets!
With 48% of new marriages ending in divorce, understanding the intricacies of divorce finance is more relevant than ever. "Financially Ever After" is a podcast dedicated to helping listeners navigate the complexities of divorce with confidence and clarity. Hosts Josephiti Cruz and Jade Eagles blend personal experiences with professional advice, offering a supportive resource for those se
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