1. Before negotiations get serious, obtain a copy of your credit report but not your spouses. That would violate federal law (15 USC §1681q) and you could go to jail for two years, be fined, or both.479973387
2. Cancel joint debit and credit cards.
3. Take half of all funds in joint checking, savings and brokerage accounts. You’re doing in advance what a court would likely do at the end of the case.
4. Get an insurance checkup. If you move out of your home, your personal items may not have the protection Home Owners insurance provided.
5. Revoke old wills and any codicils and replace them with your children or favorite charities.
6. Draw up a new health care directive to prevent your ex-spouse making life or death decisions for you.
7. Amend your W-4 to increase your withholding while immediately reducing the net amount available to pay anyone else.
8. Mind your dignity. Divorce can make smart people do dumb things.

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