A lot of people consider IRAs,401(K)…but what about divorce. There’s 2 ways you can get more money for retirement…either make more or spend less. When divorcing it’s important to not only consider the cost, but the future cost when retirement comes. For many people that divorce young it will quadruple the cost when you retire.

Divorce often involves complex decisions about retirement savings, as IRAs (Individual Retirement Accounts) and 401(k)s represent significant marital assets. These accounts are typically considered marital property to the extent they were funded or grew during the marriage, meaning they're subject to division. However, federal tax rules and state property laws govern how they're split to avoid penalties. As of 2025, the core processes remain unchanged from prior years, with no major legislative shifts affecting basic divisions.