If your spouse owns a business — or if you co-own one together — your divorce just got significantly more complicated. The business isn't just a job. It's potentially a marital asset, a hidden income source, and a leverage point all at once. And if your ex controls the books? You may have no idea what it's actually worth.

In this episode, we sit down with Sara Nanchanatt, a forensic accountant and founder of SN Forensics in New York City, to break down exactly what a business valuation is, why it matters so much in divorce, and what you can actually do — right now, and often for free — to start building your financial picture even when your ex isn't cooperating.

About Sara Nanchanatt:

Sara Nanchanatt is a forensic accountant and the founder of SN Forensics, a forensic accounting firm based in New York City that works remotely with clients across the United States. Sara and her team specialize in divorce-related financial analysis, including business valuations, income available for support calculations, and uncovering financial manipulation by business-owning spouses. Sara brings a practical, cost-conscious approach to forensic accounting — her firm offers multiple levels of service, from streamlined "indication of value" analyses used in mediation all the way to full court-ready expert reports. Her goal is always to make sure that whatever you spend on financial analysis actually makes sense given the value of what's at stake.

TIMESTAMPS:

00:00 - Introduction: Business and divorce — why it's uniquely complicated
01:20 - Sara introduces herself and SN Forensics
02:05 - When one spouse doesn't have access to the business financials: what to do
03:10 - The "check your mail" strategy for identifying unknown financial accounts
03:45 - What IRS tax transcripts are, how to get them, and why they matter
05:00 - What a business valuation is and why courts care about it
05:50 - How forensic accountants identify income hidden in business expenses
06:40 - "Instant poverty syndrome": when the business mysteriously loses money before divorce
07:30 - What happens when tax fraud surfaces in a divorce proceeding
08:20 - Using business valuations as leverage to push your ex toward settlement
09:10 - Service businesses and the "discount for lack of marketability"
09:50 - Free spousal labor in a business — and why it may not protect you in court
11:00 - Types of valuation: back of the envelope, indication of value, and full expert report
12:00 - How to find Sara Nanchanatt and SN Forensics

Connect with Sara Nanchanatt:
🌐 Website: snforensics.com 
📸 Instagram: @snforensics (brand new — reach out directly with questions)

📸 Follow BTGO on Instagram: @been_there_got_out 📖
Read our blog: BeenThereGotOut.com/blog

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