Step 1 of 6
Your assets & debts
Everything the court requires, in one guided form.
🇺🇸 Florida Equitable distribution 18.8 years married 1 child
Assets
🏠Home (marital)
$
💳Retirement (401k)
$
🏦Savings & investments
$
🚗Vehicle
$
Debts
🏠Mortgage
$
💳HELOC + credit cards
$
🚗Auto + student loan
$
Assets
$0
Debts
$0
Net worth
$0
Step 1 of 6 · continued
Income & expenses
Determines support calculations and cash flow.
Monthly income
Your salary
$
Bonuses + investments
$
Spouse salary (est.)
$
Monthly expenses
🏠Housing + utilities
$
👶Kids + food
$
🚗Transport + insurance
$
Net income
$0
Cash flow
$0
Found 11 assets, 4 debts, and income data
✦ My financial analysis
Step 2 of 6
✦ Angel’s analysis
Personalized report based on Cindy’s data.
Assets
$760,000
Debts
$328,400
Net worth
$431,600
1 Overall position
Your position is genuinely strong. $760k in assets against $328k debts. Concern: expenses of $8,987 exceed income of $5,970, leaving a gap of -$1,687/mo.
2 Key risks
Biggest vulnerability: income gap. Spouse earns $7,800/mo vs your $5,400. The $45k Chase Visa is joint debt — if spouse stops paying, your credit takes the hit.
3 Strengths & priorities
Real estate equity of $160,000 gives leverage. Your $180k 401(k) is in your name. Income disparity strengthens spousal support. Get temporary support formalized — the -$1,687/mo deficit is unsustainable.
Step 3 of 6
Settlement scenarios
Three realistic outcomes — compared side by side.
Scenario A
⚖️ Equal Split
Asset Share
$380,000
Net Position
$215,800
All marital assets divided equally. Joint debts split 50/50. The court’s default starting position.
✦ Angel’s take
50/50 is the baseline, not the final answer. With an 18.8-year marriage and a large income gap, there may be grounds to argue for more.
Scenario B
🏠 You Keep the Home
Strongest net position
Asset Share
$633,000
Net Position
$328,300
Buyout
$80,000
You refinance in your name and pay spouse their $80,000 equity share — as cash or offset against other assets.
✦ Angel’s take
Your strongest scenario at $328,300 net. Mortgage of $2,230/mo. Buyout can be paid in cash or offset by giving up part of your 401(k).
Scenario C
🏷️ Sell the Home & Split
Asset Share
$325,000
Net Position
$293,300
House sells for $425,000 after $25,000 in costs. You each receive $67,500 cash from the sale.
✦ Angel’s take
Liquid cash plus your share of all other assets. Lower than Scenario B but no refinancing risk and all joint debts cleared.
Step 4 of 6
✅ Negotiation checklist
Personalized to your assets, jurisdiction, and situation.
✅ Checklist
❓ Questions
🎯 Priorities
✦ Generate my checklist
📄 Documents to gather
• Last 3 years tax returns
• Mortgage stmt ($265k)
• 401(k) stmts ($180k)
• HELOC agreement ($35k)
💰 Financial items to verify
• Spouse income ($7,800?)
• Joint credit card ($47k)
• Investment ownership
• Vehicle titles & liens
🔒 What to protect
• 401(k) pre-marital portion
• Your credit score
• Child’s school stability
• Health insurance
⚠ Red flags
• Spouse moving assets
• Pressure to settle fast
• Waiving pension rights
• Undervalued appraisal
Step 4 of 6 · continued
❓ Questions to ask your lawyer
Targeted questions based on your actual numbers.
✅ Checklist
❓ Questions
🎯 Priorities
✦ Generate my questions
⚖ For your lawyer
Given spouse’s income of $7,800/mo vs your $5,400, how strong is your alimony case after 18.8 years?
Cash flow of -$1,687/mo is unsustainable — can you petition for temporary support?
💰 Assets & debts
Your 401(k) holds $180,000 vs spouse’s $20,000 — will a QDRO be needed?
With $47,400 joint debt, what’s your exposure if spouse stops paying?
👶 Support & custody
Given the income gap and 18.8-year marriage, what alimony range under Florida’s revised 2023 statute?
🎯 Settlement strategy
With net worth of $431,600, would mediation be more cost-effective and protect your share?
Step 4 of 6 · continued
🎯 Financial priorities
What to fight for and what to let go.
✅ Checklist
❓ Questions
🎯 Priorities
✦ Generate my priorities
🟢 Fight hard for
Home ($425k) — 56% of total assets. Strong claim after 18.8 years.
Your 401(k) ($180k) — protect pre-marital contributions.
Alimony — spouse earns $7,800/mo vs $5,400. Potentially your most valuable “asset.”
🟠 Negotiate carefully
Spouse’s investments ($34k) — tradeable against concessions.
Vehicles ($23,800) — use as goodwill leverage.
🔴 Consider letting go
Joint credit card ($45k) — don’t lose leverage on house.
Auto loan ($12k) — let debt follow whoever keeps the car.
✦ Angel’s strategic advice
Your greatest strength: 18.8-year marriage + $2,400/mo income gap. Florida courts take both seriously for alimony. Your greatest vulnerability: -$1,687/mo cash flow. Filing for temporary support is urgent.
Step 5 of 6
📄 Document collection
67 documents tailored to Florida. Upload & export.
Personal
Financial
Property
Insurance
Legal
Marriage certificate
Birth certificates
Tax returns (3 yrs)
Mortgage statement
401(k) statements
Bank statements (6 mo)
Credit card statements
HELOC agreement
Pay stubs (both parties)
5 of 67 collectedExport →
Step 6 of 6
✦ Document analyzer
Upload any document — Angel explains it in plain English.
Supported document types
Separation agreements
Court orders
Lawyer letters
Financial disclosure
Settlement offers
⚖ Understanding only, not legal advice.
📄 Drop your document here or click to upload
PDF, JPG, PNG supported
✦ Choose file
✦ Angel
Your Divorce Angel
Ask Angel anything
Angel knows your entire file. No judgment. No hourly rate.
Should I keep the house or sell?
Selling puts you $57,500 ahead. Carrying the mortgage alone would consume 68% of take-home. I’d recommend the sale and redirecting equity toward your retirement gap.
Is his 401(k) really all his?
No. Contributions during marriage are marital property in Florida. You’re entitled to approx. $74,000 via a QDRO — don’t leave it on the table.
What should I ask my lawyer first?
1) How will the HELOC be handled? 2) Timeline for a QDRO? 3) Should we get an independent appraisal? Full list is in your Negotiation Prep.
Example data — Cindy, Florida · 18.8-year marriage · 1 child