Divorce can feel like the ground shifts under your feet—emotionally and financially. In this episode of The Parenting 411 Podcast, I talk with Donna Cates, a Certified Divorce Financial Analyst (CDFA), about the money decisions that can shape your next chapter—and your child’s future. Donna breaks down the most common financial blind spots women face during divorce, what to gather before negotiating anything, and how to stay practical when emotions are running high.

You’ll also hear smart guidance around child-related expenses, child support realities, 529 college savings, lifestyle changes, and how to find support even when you feel you “can’t afford it.”

What You’ll Learn

• The #1 financial blind spot women face early in divorce

• Why the person who initiates divorce often has an advantage—and how to catch up

• The key documents to gather (and why doing it early can save attorney fees)

• How to manage emotions without letting them derail financial decisions

• Child support vs. “real life” kid expenses: extracurriculars, tutoring, trips, instruments, etc.

• How to protect your child’s future through smart planning (including 529 accounts)

• The truth about maintaining the same lifestyle after divorce—and what to do instead

• Practical ways to pay for professional support Key Takeaways

• Don’t negotiate in the dark. Knowing what you own, owe, earn, and spend changes everything.

• Divorce is emotional—but your decisions must be informed.

• Put kids’ extras in writing. Understand that child support often covers basics only.

• Plan for two households. Two fridges, two sets of clothes, duplicated costs—it adds up fast.

• Support exists. Donna shares resources, including a free virtual workshop for women.

Connect with Donna:

• Website: MoneyMattersWealth.com

• Social: Money Matters Wealth Solutions (and “Donna Cates”)

Chapters

00:00 Welcome to the Parenting 411 Podcast

00:33 Special Invitation: Ministry of Mom Experience

01:06 Navigating Divorce: Emotional and Financial Challenges

01:49 Introducing Donna Cates: Financial Guidance for Women

02:55 Understanding Financial Blind Spots in Divorce

06:16 Gathering Key Financial Documents

14:44 Protecting Your Children's Financial Future

21:18 Common Mistakes in Maintaining Lifestyle Post-Divorce

24:08 First Steps to Gain Clarity and Confidence

26:44 Resources and Support for Women

31:53 Conclusion and Final Thoughts

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