T-Plus 313: Divorce Finalized
So this installment has to do with kids, housing, and an endless divorce.
KidsIt's funny. If you would have asked me a year ago about how the kids would take the divorce, I would have suspected my older daughter (16 1/2 at the time) would have the easier time adjusting and and my younger son (13) would have had the harder time. For the six months or so, I think that was a good guess. I think over the past 4 months or so, that has flipped. My son is pretty much fine with everything (including having a girlfriend) and my daughter is having a tougher time dealing with it.
ballofconfusion has been able to provide me with a TON of insight into this. My natural reaction would be to assume that any issues were the result of the divorce. But
ballofconfusion has four kids of her own, three older than my oldest. The teen years are a royal pain in the ass as a parent in general. It is easy to cut some slack for kids acting out because of a divorce, but in my case, the divorce is almost a year old. That particular excuse is starting to wear thin. Some "kid gloves" are warranted early on, but it is no longer early on. And in 6 months, she will be a legal adult. In a year, she will graduate high school. My time to mold her on a day-to-day basis is running short.
My daughter recently broke up with a boyfriend she had for over a year. Although she did the breaking up, I could tell from observation that she didn't treat him well. It constantly perplexed my why she treated him like crap. He always was doing nice things for her. He was smart, funny, and kind. Then it dawned on me that she was modeling EXACTLY what her mom and I did. Mom should always be treated wonderfully, and does not have to recriprocate in any way. That is how a relationship looks to her. This completely makes sense since it is what her mom and I modeled for her entire life.
In addition, she has absolutely no drive. She doesn't study hard. She doesn't want to work. She expects everyone to cater to her. Now much of this is typical teen behavior, but she spends the majority of her time with her mom who displays the exact same behavior.
So now the question is as her dad, what do I do? I don't want to get into explaining the entire SM thing to her. She is a 17 year old kid and sure as hell doesn't want to hear about that. I can't explain the bait and switch to her for the same reason.
What I do plan on doing is explaining to her how life works.
As a guy, you almost always have only have one path available. You've got to do whatever is needed in order to provide for a family. It might be as a welder or a businessperson, you've got to provide. If you don't? Hard to attract a woman if you're 30 and living in Mom and Dad's basement. That's just a reality of life.
Unlike my son, my daughter also has the option of marrying a provider and being a mom. This option carries certain risks, though. Being a mom carries the risks of having to start over later in life if the marriage doesn't work out, possibly being a single mom. If you don't have your own "provider" skills already present, this can be a terrifying proposition.
When you're 5, your parents tell you that you can be anything you want. If you want to be an astronaut, study hard and you can work towards it. By the time you're wrapping up high school, however, your paths narrow. My daughter is in the bottom third of her class and blows off standardized tests. She refuses to get a job. She graduates in a year and will go to the local community college. She also doesn't want kids and expects her boyfriends bow and scrape to her with little in return. She is simultaneously funneling herself out of the provider path as well as the "mom" path.
So...I've got teenager problems. The reason I bring them up here is most people are concerned about harming their kids by divorce. In my case, I am running out of time to undo the damage I modeled to my daughter via dysfunctional marriage. The jury is out as to whether this is even possible. If I had left earlier I would have had a better chance. But that's water under the bridge. At this point, all I can do is explain to my daughter how life works. She is old enough to listen or not. Unfortunately, she is at the least receptive age there is. For those on the college plan? You'll be in the same boat. Staying "for the kids" ain't all it's cracked up to be if you plan on leaving in the end.
Housingballofconfusion flew out here on Saturday for visit 21 of 77. This one had something new, though. This weekend, I moved into the house that we plan to share in two years. Long distance relationships are not easy. But if our combined 45 years of SM taught us anything it is patience. This was a major step on that road.
It is a little more than half the size of my previous house, but it is way more manageable for me. As a single guy I didn't need an almost 4000 square foot house. It's also cheaper on the rent which helps.
I'm making an extremely serious effort to incorporate her thoughts about the house into the mix. Sure when she comes in 2 years, she will make her own mark on the house. But in the meantime, I want to make it OUR mark. In four years when my youngest is out, we will say goodbye to this rental house and start travelling the world. We plan on living in countries abroad and that will be the next step in the process.
But it felt amazing to actually spend the weekend in what will be our home. We've been together a little over 10 months now and are almost a third of the way through when her youngest graduates. Then we can be together every day. God, I can't wait!
Endless DivorceSo, this one is a bit about
ballofconfusion 's divorce. You might not realize it, but her divorce is still ongoing. I'm on my second house since my divorce and she moved out almost a year ago, but the golden state of California takes its sweet ass time on divorce.
This leaves her in legal limbo, and it is a serious pain since she has to deal with her ex more than she would have to otherwise. While my divorce was asset-based, hers is more a collection of debt. her ex has pretty much no financial discipline, and has amassed quite a load of debt. The total amount tallies up to around $345,000. We also think he hid a couple hundred grand of inheritance money. I've spoken with a forensic accountant and it just doesn't make sense to try to get it. The man makes between 150k - 200k per year and still rings up debt like crazy.
So, we are dealing with $345k in debt. That means she gets about $172k split 50/50, right? For someone who makes $50k, that is absolutely terrifying. So just a quick lesson in how stuff gets divided up in most US jurisdictions (it goes without saying to consult a lawyer in your jurisdiction if you want to know how it works there).
There are two kids of property / debts in a divorce. Community and Personal. Personal proprty is really limited. It is usually limited to inheritance kept separate and such. Community property is everything else.
After they separated, he rang up a staggering amount of debt. Cars, electronics, furniture, you name it. All that goes into his bucket. there are a bunch of student loans she is co-signed on for the kids. But those are only an issue if they default. Most of the debt she is on the hook for are credit cards, and that gets split down the middle.
After we get done splitting everything up according to the rules, it is likely my lady will be stuck with $37k in revolving debt from the marriage. This isn't good, but it's offset by $16k in retirement funds and cash also available. So let's say she's on the hook for $21k. Not getting way clean, but a hell of a lot more manageable than the $172k she thought she'd be stuck with.
I'm pretty savvy on the financial side (also cheaper than a lawyer)and am working out post-divorce plans that get her paid up in about 4 years without taking a dime from me or anyone else. She will need help from both myself and her mom, but she is doing this all on her own.
But this thing drags on and on. The point here is that getting legal advice from the very beginning and finding out exactly what needs to be done to leave is critical.
ballofconfusion tried mediation at first, and was going to be completely hosed. A mediator doesn't care if the deal is good or fair, just that a deal is done.
If you're looking to leave, get legal advice from the get-go and the pain will be much less. Also, visit a few different lawyers. Depending on how things go, you might want someone cheap to deal with an amicable divorce. Or you might need a shark to beat your ex into submission.
Right now, I'm trying to work with the ex myself in order to broker a deal. The good part is that
ballofconfusion and I don't have plans to get married again. So while we want it over quickly, it really doesn't affect us much if it drags a bit. But it's a bit crazy that it's been almost a year since
ballofconfusion started her divorce process, and it's in effect barely past the "temporary support" stage. This crap can drag on a lot longer than you may realize.