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Divorce Den Interview: Paycheck to Paycheck Divorce - How to Survive & Plan with a Certified Divorce Financial Analyst

Posted On: September 02, 2025

Are you staying in an unhealthy marriage because you don’t believe you can afford to get divorced because you live paycheck to paycheck?

My esteemed colleagues Collaborative Divorce Attorney Liz Vaz and Certified Divorce Financial Analyst Melissa Murphy-Pavone have posted a wonderful interview unpacking real strategies for people living paycheck to paycheck who are facing divorce.  From being fully educated about what you have and what you need, to knowing the 5 financial numbers that can make or break you - this video is for you.

Whether you’re just starting the process or already in it, this interview will give you tools to move forward with confidence.


Selected excerpt(s), logo & video courtesy of https://www.youtube.com/@divorce_den

Concetta Spirio.  A Compassionate Collaborative Divorce Attorney, Mediator & Peacemaker Providing The Highest Level of Legal Representation For Over 35 Years.

#Concetta #ConcettaSpirio #ConcettaLaw #SpirioLaw #Marriage #Divorce #RealEstate #Litigation #Wills #Trusts #Estates #EstatePlanning #Mediation #CollaborativeDivorce #LongIsland #Suffolk #Nassau #Islip #Sayville #LGBT #DivorceDen #CertifiedDivorceFinancialAnalyst

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7 Unsexy Things All Smart Couples Do To Divorce-Proof Their Marriages

Posted On: February 21, 2023

It's extremely important, notwithstanding the “love fog” that starts when you meet somebody and fall in love, to take time to really slow down and get to know one another on a deeper level. Beginnings of relationships are happy and fun and can move exponentially fast.  The great first impression everyone gives when they are dating is not a true reflection of who they are as a person.  You really need to dig deep and find out about each other before you choose to walk down the aisle.

You want to know and see the “true character” of the person you are planning to be a significant person/partner with in your life.  Their character alone can shed light on the compatibility of a future together.

This article highlights seven other items that you should really explore and get to know about each other, your families and what you wish and dream for the future.

Selected excerpt(s) and linked article courtesy of Dave Elliot, YourTango(dot)com
Royalty-free photo courtesy of Pixabay

Concetta Spirio.  A Compassionate Collaborative Divorce Attorney, Mediator & Peacemaker Providing The Highest Level of Legal Representation For Over 35 Years.

#Concetta #ConcettaSpirio #ConcettaLaw #SpirioLaw #Marriage #Divorce #RealEstate #Litigation #Wills #Trusts #Estates #Mediation #CollaborativeDivorce #LongIsland #Suffolk #Nassau #Islip #Sayville #LGBT

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The Divorce Battle So Ruinous Even The Judge Was Left Horrified

Posted On: July 11, 2022

This article depicts a very toxic divorce battle that ended up costing the couple and their family millions of dollars, to the point that the Judge was horrified that there was little left for the children of this marriage. 

This rarely happens in high equity cases. People of moderate means often times get so involved in a toxic litigated divorce that they basically turn all of their assets over to cover the costs of litigating the divorce. 

There is a better way for every family to divorce with dignity, confidentiality and with their financial, emotional and physical health in a healthier position, rather than what they will experience through a litigated divorce. 

The collaborative process is meant for ALL families.  It is truly a holistic approach that is the most cost effective to resolve a dissolution of a marriage or primary relationship in an amicable and economical way. 

Selected excerpt(s) and linked article courtesy of Barbara Davies, dailymail.co(dot)uk
Royalty-free photo courtesy of Pixabay

Concetta Spirio.  A Compassionate Collaborative Divorce Attorney, Mediator & Peacemaker Providing The Highest Level of Legal Representation For Over 35 Years.

#Concetta #ConcettaSpirio #ConcettaLaw #SpirioLaw #Marriage #Divorce #RealEstate #Litigation #Wills #Trusts #Estates #Mediation #CollaborativeDivorce #LongIsland #Suffolk #Nassau #Islip #Sayville #LGBT

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Why People Divorce A Few Years After Marriage And When Divorce Risk Is Highest

Posted On: September 17, 2024

This article gets your attention with the announced filing by Jennifer Lopez for divorce from Ben Affleck on the anniversary of their second wedding.  This is the second time this couple has split after 2 years into their relationship.  The first time was years ago when they chose not to marry and the second time they actually filed for divorce. 

Although most people think newlyweds are blissfully happy, the first years of marriage can be turbulent and difficult.  

On the other end of the spectrum gray divorce has its own complexity.  Notwithstanding that both marriage and divorce rates declined in the USA, in general divorce risk steadily rises in marriage and peaks and then decline for most couples.

Selected excerpt(s) and linked article courtesy of A. Pawlowski, msn(dot)com
Royalty-free photo courtesy of Pixabay

Concetta Spirio.  A Compassionate Collaborative Divorce Attorney, Mediator & Peacemaker Providing The Highest Level of Legal Representation For Over 35 Years.

#Concetta #ConcettaSpirio #ConcettaLaw #SpirioLaw #Marriage #Divorce #RealEstate #Litigation #Wills #Trusts #Estates #EstatePlanning #Mediation #CollaborativeDivorce #LongIsland #Suffolk #Nassau #Islip #Sayville #LGBT

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Lights, Camera, Legal Action! Courts To Livestream Divorce Proceedings

Posted On: March 23, 2020

Nobody really wants the divorce to be part of the public news cycle (or made public at all), but starting at the end of this year, the UK will begin livestreaming family cases.

This is another reason why collaborative divorce is so essential for many couples. Not only does it take you and your dispute out of the court system but it makes it completely private and confidential.

I know personally from my clients that being in court is stressful, and having to relive terrible parts of their marriage in an open forum would be unbearable. 

Selected excerpt(s), photo and linked article courtesy of Amy Woodyatt, CNN

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What Exactly is a “Family” Lawyer?

Posted On: May 19, 2014

It might seem as if the term “family lawyer” would be used to describe an attorney who works for everyone in a family or a person who is a member of your family and happens to work as an attorney. Though these scenarios are possible, the term “family lawyer” is actually someone who specializes in family law. The field of family law relates to topics including divorce, custody, visitation rights, spousal and child support, division of assets in divorce, protection from abuse, and paternity issues.

Many family lawyers choose their field because they want to work with the “human side” of the law. It can be extremely challenging to practice family law because attorneys must connect with and support their clients during very emotional times in life. Family lawyers see people at their best and worst, and help these people transition through some of the most challenging phases of life. Despite its challenges, most family lawyers find a great deal of emotional reward in their work.

What Makes a Good Family Lawyer?
Like all attorneys, some family lawyers are more talented and successful than their peers. The best family lawyers have top-notch skills when it comes to negotiation and litigation. They must be good at time management and understand interpersonal communication. In addition to legal counsel, family lawyers often provide emotional support during a client’s most challenging life events. It also helps if a family attorney has an understanding of financial and real estate laws, though most attorneys have a network of expert resources at their disposal when questions arise.

As families continue to evolve, the practice of family law also changes. This includes handling the issues of same sex unions and their resulting families, for which the traditional legal system is still adjusting. Trends in the field of family law also include mediation and collaborative law, a practice that helps couples divorce and legally separate without traditional litigation. A family law attorney’s role is different in cases where collaborative law is used, as opposed to litigation. In some cases, the lawyer might even act as a mediator and work for both partners, as opposed to representing one or the other. It is important to find an attorney that you are comfortable with but has training in these areas. More divorce attorneys are representing that they will follow a collaborative approach but do not truly understand the dynamics nor have they been trained in this discipline.

Nearly 50% of all first marriages end in divorce. The odds are even greater for second and third marriages. Approximately 40% of all couples in the United States are step couples. The ongoing making and breaking of families creates complicated family ties and creates a need for legal protection as things change. Family lawyers provide the guidance and support these changing families need.

Have questions about Family Law or need help in this area, then feel free contact attorney SPIRIO at 631-277-8844.

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The 3 Most Common Precursors to Divorce Today

Posted On: June 30, 2025

Marriage is meant to be a safe place where you feel seen, supported, and deeply connected. But what happens when that connection quietly begins to unravel? When conversations turn into cold silences, intimacy fades, or every little disagreement feels like a battle? These aren’t just rough patches, but warning signs that the foundation of your relationship is starting to crack.

Here are three significant challenges modern marriages face that are often heralds of divorce.

Selected excerpt(s) and linked article courtesy of Mark Travers, Ph.D., psychologytoday(dot)com
Royalty-free photo courtesy of Pixabay

Concetta Spirio.  A Compassionate Collaborative Divorce Attorney, Mediator & Peacemaker Providing The Highest Level of Legal Representation For Over 35 Years.

#Concetta #ConcettaSpirio #ConcettaLaw #SpirioLaw #Marriage #Divorce #RealEstate #Litigation #Wills #Trusts #Estates #EstatePlanning #Mediation #CollaborativeDivorce #LongIsland #Suffolk #Nassau #Islip #Sayville #LGBT

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These Are The Biggest Money Surprises When You Get Divorced

Posted On: May 06, 2019

Unfortunately, this article is correct.  There are many unforeseen and unexpected financial impacts to a dissolution of a marriage.  You should not only be cautious of capital gains implications when selling a marital home, but if the marital home is being transferred to one party, it is important to do a title search to make sure there are no Judgments and Liens, and the party is truly getting the equity that is believed to be the consideration for the transfer in equitable distribution. 

There should be no tax on the equitable distribution of certain assets, but as this article indicates, depending on cost basis and capital gains, significant tax impact consequence could be incurred.  Another good point that this article makes is the true impact of the cost of children.  Child support, although a statutory creature, only covers room and board, which obviously does not cover the myriad of expenses in raising a child, not to mention how those costs increase as the child ages and the ultimate cost of a college education. 

In addition, now that there is no deduction or tax write-off for maintenance, the tax implications are even greater and more must be considered in negotiating a settlement with respect to the tax implications and impact on the parties. 

It is very important to have a skilled attorney and tax expert review your dissolution so you know exactly what you are getting and the tax implications of your decisions.

Selected excerpt(s), photo and linked article courtesy of Chris Taylor, Considerable.com

Concetta Spirio: A compassionate and aggressive lawyer providing the highest level of legal representation for over 30 years.

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