Uncoupled & Unfiltered

In this episode, we sit down with an experienced mortgage broker, Chris Chudacoff with True Point Lending, to unpack the complexities of getting a home loan during and after a divorce. 

We explore how your marital status, credit profile, and income situation can affect your eligibility—and what lenders look for when your financial life is in transition. Whether you're looking to refinance, buy out your ex, or start fresh in a new home, this episode offers practical advice and strategies to help you move forward. 

So, grab your coffee, get comfortable, and let’s make this whole mortgage thing a little less confusing and stressful.

Key Topics Covered:

• Types of loans available and what their differences are
• Financial dynamics of divorce

- First financial steps someone should take once divorce proceedings start.

- Common challenges newly single individuals face when applying for a loan. 

• Getting a loan during a divorce

- Getting a loan during a divorce

- What is considered income? 

- Are there any legal or logistical limitations?

- Practical advice - to do or not to do…

• Loan post-divorce

- Establishing solo credit and individual financial identity post-divorce

- Things to know about spousal and child support as an income

- Specific requirements for self-employed

- The importance of working with the right mortgage broker

• Strategies to improve loan eligibility

- The importance of working with the right mortgage broker 

- How much down payment do you actually need?

- Are co-signers a good idea?

• The biggest mistake our guest shares he sees as a mortgage broker
• When and how to contact our guest

“I still think real estate's a great investment. ... If you're going to own a home to live in that that's where you call home and build community, and you're going to have the home for more than five to six years, you're going to withstand, typically, any bad cycle of real estate anyway.” - Chris A. Chudacoff

Connect with Chris A. Chudacoff:

Website:  http://www.truepointlending.com/ 

LinkedIn: https://www.linkedin.com/in/chris-chudacoff/ 

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected]

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this insightful episode, we dive into the complex intersection of real estate and divorce, exploring how property is handled during the dissolution of a marriage. Divorce doesn’t just split a relationship—it can split a home. 

We’re joined by Jennifer Purzycki of Purzycki White Real Estate, who brings her firsthand expertise to the table as we explore the often-overlooked challenges of handling property during a divorce. From emotional decisions to legal complexities, Jennifer shares practical strategies and real-world experiences that help make the process more manageable.

Key Topics Covered:

• What makes selling a home during divorce proceedings different from a traditional sale

- The importance of working with a real estate agent who understands and specializes in divorce

• Emotional and Legal Dynamics of the Sale

- Remaining neutral when working with a divorcing couple

- Communications if the parties are not speaking

- Working with attorneys, mediators, and both spouses to reach fair outcomes

• Logistics of a sale

- Sale price determination and pre-sale preparation

- Sale vs buy-out and when to refinance

- Division of sale proceeds

• Real-life examples

- Jennifer walks us through her experience of working with divorcing couples - balancing neutrality, managing conflict, and keeping the transaction on track.

• Advice for making logical, informed decisions rather than emotional ones

- How to select the right realtor 

- How to treat it as a business transaction

- How to connect with the guest

“Selling a house during a divorce isn't just about the property. It's about dividing one asset between two people who have very different goals, have different timelines, and have a different emotional investment in that property. It's rarely just a transaction. There's part negotiating, there's a lot of counseling involved.” - Jennifer Purzycki

Connect with Jennifer Purzycki:

LinkedIn: https://www.linkedin.com/in/jenphomes/ 

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

Singlehood, far from being a void, is a powerful season of self-discovery. It teaches us to move through healing with gentleness, to embrace solitude as strength, and to redefine what love truly means. In this time, we grow emotionally independent, set healthy boundaries, and begin living with a purpose that aligns with who we truly are. By building a life you genuinely love, you’re not simply preparing for a partner—you become your own home first. And in doing so, you naturally attract what is aligned with your soul, not just what is conveniently available.

Key Topics Covered:

1. Singlehood is a Journey of Self-Discovery

It often begins with pain and uncertainty, but over time, it reveals growth, strength, and self-awareness.

This chapter is not a pause but a passage into becoming.

2. Healing Is Not Linear

Expect waves of progress, setbacks, and revelations.

Through self-reflection, honesty, and grace, the path still moves forward.

3. Emotional Independence is Empowering

Learn to validate your own experiences and find comfort in solitude.

Being single is not a deficiency but a rich opportunity for personal development.

4. Redefine Love and Relationships

Seek partners who enhance, not complete you.

Establish clear boundaries, know your worth, and release the myth that love defines value.

5. Build a Life Rooted in Authenticity

Pour into yourself. Pursue passions, rest, and grow.

The right relationships will come not from desperation but from the natural pull of a whole, thriving life.

“Your single era is where you define your values, your goals, and what you actually want outside of someone else's expectations.” - Ksenia Muench

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected]

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In today’s episode, we’re joined by a remarkable guest who grew up navigating life between two homes. Now a successful attorney, devoted husband, and proud father of two, he reflects candidly on the challenges he faced as a child of divorced parents. He shares the emotional hurdles of growing up in a separated family and his ongoing journey to break the cycle, creating a stable, loving environment for his own family.

Key Topics Covered:

• Personal story

- It’s about time…

- Separation of parents was easy - what came after was worse.

• Adjustment to a new life

- Biggest challenges

- Tools used to deal with the conflict

• Don’t want to turn it into a therapy session but…

- What does it feel like for a child when one parent doesn’t stop talking negatively about the other parent?

- Can I make it stop?

• Reflection (47 years later)

- Does it get better?

- The lasting effects of parental conflict on children

• Advice for divorcing parents

- Keep kids out of the conflict — no matter what (it does get complicated when only one parent follows this piece of advice)

- When new partners come in, if they are loving toward your children, let them be loved. It is not a competition - loving and supportive parents can never be replaced by a new person in your kids’ lives.

“We must be willing to let go of the life we've planned so as to have the life that is waiting for us.” - Jeff Roberts

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this episode, we're diving into a side of divorce that’s rarely talked about—but deeply felt by those who live through it. This is not your typical “we grew apart” story. We're exploring the dark undercurrent of high-conflict divorces—when a legal separation turns into psychological warfare. Not all divorces are created equal. Some become battlegrounds, filled with ongoing legal fights, custody disputes, refusal to co-parent, false accusations, manipulations, and financial sabotage. Today, we are going to talk about what makes high-conflict divorce so uniquely damaging, and—more importantly—how to protect yourself, your children, and your mental health when caught in the storm.

If you're navigating this path—or know someone who is—this episode is for you.

• What is High-Conflict Divorce

- Relentless process that haunts you in court and at home

- “Recipe” for High-Conflict couple

• What Psychological warfare looks like

- Gaslighting

- Alienation of children

- False accusations

- Draining finances

• Real stories all sound the same - just different characters

- Summary of how high-conflict divorces typically play out

- It is a campaign to destroy the targeted party.

• Courts and high-conflict divorces

- Both parties are seen as being difficult

- Hard to prove abuse not seen by a naked eye

- Tips to prepare your case for the court

• Survival tools

- Limit communications to neutral or monitored channels like Talking Parents or Our FamilyWizard

- Respond, don’t react - pause before replying

- Reply only when it is warranted when it comes to custodial or peaceful matters, any other communication should be done through the attorneys

- Build a safe circle of support

- Engage with a therapist who specializes in this type of trauma

- Choose your battles

- Accept that parallel parenting is your best option.

High-Conflict divorce is not for the faint of heart BUT you are not powerless and you are not alone. 

Books to consider:

1. Too Good To Leave Too Bad To Stay by Mira Kirshenbaum
2. The Gift Of Fear by Gavin De Becker
3. Your Pocket Therapist by Dr. Sherrie Campbell

“Choose your battles. Not every fight is worth having, especially when the other person is just fighting to win, not to solve.” - Ksenia Muench

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this episode, we sit down with a seasoned family law attorney to explore the complexities of divorce. We discuss the legal process, common challenges, and misconceptions, and offer valuable guidance to help you make informed decisions and navigate the emotional and legal aspects with confidence.

Key Topics Covered:

• Legal Process Breakdown

- Divorce in a few simple steps

- Divorce timeline

- Mediation vs Litigation vs Private Judge - what’s better?

- Prenups and Postnups - yay or nay?

• Divorce misconceptions

- Everything is split 50/50 - true or false?

- You don’t need an attorney if it is amicable

- Women always “win” - origin and what it actually means

• Law is changing

- How abuse may affect the split of assets

• Story time

- My guest shares an inspiring story when working with a divorcing couple

• Guidance

- How to choose the right attorney

- Attorneys vs emotions of divorce

- How to connect with the guest

“Domestic violence doesn't happen in a vacuum, and someone who is an abuser has that in their background; they've come to learn or think that somehow that behavior is okay.” - Laurel Brauer, CFLS

Connect with Laurel Brauer, CFLS:

Website: https://www.brauerlawcorp.com/ 

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this episode, we dissect the concept of Single Mom Syndrome—a term used to describe the emotional, psychological, and practical challenges single moms face. We unpack the origin of the phrase, explore both the positive and negative ways it’s perceived, and bring awareness to the unique struggles that single mothers navigate daily. Importantly, it’s not a disease, but rather a facet of divorced life and the toll it can take.

Key Topics Covered:

• What is Single Mom Syndrome?

- Origin and meaning

- Perception vs reality of being a single mom

• Misconceptions of the term

- Is it a medical symptom or a social judgment?

- She is a “bitter” single mom who is hyper independent and wants to do it on her own

- There is no “Single Dad Syndrome.”

• Lived experience

- Emotional and mental burden of being a single mom

- Parenting without a partner

- Financial stress, weight of making major life decisions on your own, guilt, pressure of trying to be the best mom to your kids, and subsequent burnout

• Let’s switch the narrative

- You are not sick - you are doing the job meant for 2 people

- It is not a stigma but a FLEX, superpower

- You are doing great!

• Tips

- Surround yourself with people who understand

- Learn to ask for help and outsource what you can

- Take moments for yourself

- It is OK to say NO

“It's not a single mom 'syndrome’...  It’s a superpower. I think it's more like a flex. It's a main character energy.” - Ksenia Muench

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this powerful episode, we sit down with Officer Fernando Jimenez, a veteran law enforcement officer whose experience includes handling domestic violence cases. We explore the realities of domestic abuse from the front lines—what officers see, how they respond, and the systemic challenges survivors face. Our guest offers insight into the emotional, legal, and safety complexities of domestic violence and discusses stories that highlight the importance of awareness around this important topic.

• Understanding Domestic Violence

- What constitutes domestic violence

- Battery vs Domestic Violence

- Common myths and misconceptions

• Law Enforcement Response

- How police respond to domestic violence calls

- The protocol for handling victims and perpetrators

- Discussion of the Gabby Petito's case as an example

• Barriers to Reporting and Leaving

- Why victims often don’t report abuse, stay, or come back after leaving

- The role of fear, brainwashing, low self-worth, and feelings of hope

• Legal Processes

- What happens after an arrest

- Gaps and challenges in the current system

• Resources and Support

- Where victims can turn for help

- “Help these resources and support help you.”

Click here to access RESOURCES ON DOMESTIC ABUSE: https://ssa.ocgov.com/cash-calfresh/calworks/employment-services/domestic-abuse-services/domestic-abuse-resources 

“We can't stop trying. You've got to keep raising awareness and letting the victims know that there are resources.” - Fernando Jimenez

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

Divorce is often framed as a battle, but is there ever a true "winner"? In this episode, we unpack the emotional, legal, financial, and social dimensions of divorce. From asset division to custody battles to post-divorce recovery, we explore who comes out ahead—or if anyone does at all.

KEY TAKEAWAYS:

• The myth of winning

- Societal norm of “winning”

• Price of divorce

- We explore the emotional, professional, and financial price SHE pays in divorce.

- We look at the same aspects of divorce from HIS perspective.

• Financial Fallout

- Why divorced women often face greater financial strain

- Alimony and child support: needed or created to favor women?

• Cultural Narratives and Reality

- Are women really “winners” in divorce?

- Is there a clear winner?

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected] 

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/

In this episode, we dive into the most underrated professional world - the world of coaching with expert Kara Duffy, an entrepreneur, business coach & consultant who uses her Have It All Method™ to help business owners become Extraordinary CEOs and organizations to scale. She's also the creator & host of the Powerful Ladies Podcast and co-founder of shopolivet.com.

Whether you're going through divorce or considering launching a new business or trying to find your happily ever after, this conversation will help you understand what a coach does, how they differ from therapists, and what to expect if you decide to hire one.

Key Takeaways: 

• What is a coach?
• We define what a coach is and their role in helping clients to achieve goals. 
• We also discuss the benefits of hiring a coach.
• Coach vs. Therapist
• We point out the key differences between a coach and a therapist: future vs past, what vs why, action vs feeling. 
• Design the life you want, rather than life being designed for you
• Kara shares expert tips on how to take control of your life and build the life you want.
• We also go over how to overcome fear or feeling of being lost and finding your way forward.
• Having a coach is having a gift of foresight.
• Real-life examples
• Kara shares some real-life examples of success and stories from her experience when working with different clients.
• How to make coaching work for you
• Tips on being “coachable”
• Common pitfalls and how to avoid them
• When to reach out to the coach

“Once you know what you want, it's so easy to get you there.” - Kara Duffy

Connect with Kara Duffy:

Website: https://karaduffy.com/  

LinkedIn: https://www.linkedin.com/in/karawduffy/ 

Instagram: https://www.instagram.com/kara_duffy/ 

Connect with Ksenia Muench:

Website: https://www.thriveagaindivorcecoaching.com/ 

Instagram: https://www.instagram.com/thriveagaindivorcecoaching/ 

LinkedIn: https://www.linkedin.com/in/kvmuench/ 

Email: [email protected]

Want to work with Ksenia? The next cohort is forming now- https://www.highconflictplaybook.com/