Dividing More Than Hearts: A Comprehensive List of Things to Split in a Divorce

Divorce is a challenging and emotionally charged process that often involves the division of property, assets, and responsibilities. While many focus on the emotional aspects of ending a marriage, there is a practical and often complex side to divorce—dividing the tangible and intangible aspects of a shared life. This comprehensive guide explores the myriad things to split in a divorce, shedding light on the financial, personal, and legal aspects of this critical step in the process.

Key Factors

  1. The Essentials: Property and Assets
  • Real Estate: The family home and other real estate properties, such as vacation homes or rental properties, must be addressed. Decisions may include selling, transferring ownership, or allowing one spouse to buy out the other’s share.
  • Personal Property: This category encompasses everything from furniture and electronics to artwork, clothing, and household items. Decisions need to be made regarding who keeps what or how to divide these possessions.
  • Vehicles: Cars, motorcycles, boats, and any other vehicles jointly owned must be divided. This can involve selling, trading, or one spouse retaining ownership with compensation to the other.
  • Bank Accounts: All bank accounts, including checking and savings accounts, need to be addressed. This includes joint and individual accounts, and decisions will be made regarding the division of funds.
  • Investments: Stocks, bonds, retirement accounts, and other investments fall under this category. The division may require a Qualified Domestic Relations Order (QDRO) for retirement accounts.
  • Business Interests: If one or both spouses own a business, this can complicate the division. Options include selling the business, buying out the other spouse’s share, or continuing to co-own and operate it.
  • Insurance Policies: Life insurance, health insurance, and other insurance policies should be reviewed and updated to reflect the new circumstances after divorce.
  1. Financial Obligations and Debts
  • Mortgages: If there is a mortgage on the family home or other properties, decisions need to be made about who takes responsibility for the loan or how to refinance or sell the property.
  • Credit Card Debt: Joint credit card debt is a common concern. Decisions may involve paying off the debt together, dividing it equitably, or transferring it to one spouse.
  • Student Loans: Any outstanding student loans must be addressed. Determining responsibility for these loans can be complicated, especially if they were incurred during the marriage.
  • Taxes: Joint tax liabilities and refunds need to be resolved. Couples should decide how to file for the year of their divorce and discuss future tax obligations.
  • Alimony and Child Support: Spousal support (alimony) and child support payments are crucial financial aspects to be determined, often based on each spouse’s income and other factors.
  1. Personal Effects and Sentimental Items
  • Heirlooms: Family heirlooms, sentimental gifts, and personal mementos may have great emotional value. Decisions should be made on their ownership or how they will be shared.
  • Pets: Divorcing couples often have to determine pet custody arrangements. This can be a challenging aspect, as pets are considered personal property in the eyes of the law.
  • Digital Assets: Digital accounts, photographs, and other online assets need to be considered. Ensure access to and rights to these assets are clarified.
  • Shared Friends: Though not property, shared friends and social circles may change post-divorce. Decisions about maintaining relationships should be addressed.
  1. Legal and Administrative Matters
  • Divorce Decree: The final divorce decree is a crucial legal document outlining the terms of the divorce. It should be reviewed thoroughly to ensure it accurately reflects the agreements made.
  • Wills and Estate Planning: Estate planning documents, such as wills, trusts, and powers of attorney, need to be updated to reflect the new circumstances after divorce.
  • Healthcare Directives: Any existing healthcare directives or living wills should be reviewed and revised to designate new decision-makers in case of incapacity.
  • Social Security Benefits: Depending on the length of the marriage, divorced spouses may be eligible for Social Security benefits based on the other’s earnings.
  • Name Change: If one spouse took the other’s last name during the marriage, the decision to change it back to the maiden name is significant and often part of the divorce process.
  1. Child-Related Considerations
  • Child Custody and Visitation: Arrangements for child custody, visitation schedules, and decision-making authority are vital for the well-being of the children involved.
  • Child Support: Determining child support payments, including how they are calculated and allocated, is a key financial aspect of divorce with children.
  • Education: Decisions about a child’s education, including school selection and tuition responsibilities, should be outlined.
  • Extracurricular Activities: Arrangements for participation in sports, hobbies, and other extracurricular activities should be addressed.
  •  Healthcare: Decisions about healthcare coverage, medical expenses, and insurance for the children are significant concerns for divorcing parents.
  • Travel and Relocation: If one parent plans to move with the children, travel and relocation arrangements, including visitation schedules, need to be determined.
  1. Post-Divorce Transition
  • Living Arrangements: Both spouses will need to establish new living arrangements. This can involve finding a new home, signing a lease, or arranging for temporary accommodations.
  • Support Networks: Building a support network of friends and family is essential for emotional and practical assistance during the transition.
  • Counseling and Therapy: Emotional support and therapy may be beneficial for both spouses to navigate the emotional aftermath of divorce.
  • Co-Parenting Communication: Effective communication between co-parents is crucial for the well-being of the children and for maintaining a cooperative relationship.
  • Financial Independence: Each spouse will need to establish financial independence, which may include finding employment, creating a budget, and managing personal finances.
  • Dating and Relationships: Post-divorce, individuals may re-enter the dating world. Decisions about when and how to start new relationships are personal and significant.

The Role of Legal Professionals

Legal professionals, such as family law attorneys and mediators, play a critical role in helping couples navigate the complexities of divorce and ensure that everything is split fairly and according to the law. They provide the following services:

  • Legal Advice: Attorneys offer legal guidance, ensuring that you understand your rights and obligations during the divorce process.
  • Mediation: Mediators help couples reach agreements on various aspects of the divorce, including property division, child custody, and support, through negotiation and compromise.
  • Document Drafting: Legal professionals draft legal documents, including divorce agreements and parenting plans, to ensure they comply with state laws.
  • Court Representation: Attorneys represent clients in court, making arguments and presenting evidence to support their positions on various divorce issues.
  • Legal Protections: Lawyers ensure that their client’s legal rights are protected during the divorce process and that they receive their fair share of assets and property.


Divorce is a complex and multifaceted process that involves splitting not only hearts but also property, assets, and responsibilities. From the division of real estate and personal property to financial obligations, child-related considerations, and the emotional aspects of post-divorce life, the list of things to split is extensive.

Legal professionals, such as family law attorneys and mediators, provide invaluable guidance and assistance in this process, helping divorcing couples navigate the complexities and ensuring that everything is divided fairly and in accordance with the law. By addressing each of these aspects thoughtfully and with the help of experienced professionals, couples can move forward with greater clarity and confidence, ultimately finding healing and a fresh start after the challenging journey of divorce.