Get Wealthy, Divorce Healthy: Why Financial Strength Matters in Marriage and Separation
The Reality of Divorce in Australia
Let’s cut to the chase: many Australian marriages end in divorce. Statistics show that one in two marriages will not last.
Some couples are simply navigating a difficult period that will pass with time. For others, the finality of a split is inevitable—it is only a matter of when.
Many Australians remain in unhappy marriages because they know their financial position would be poor after a separation. For them, staying feels easier than leaving.
For others, the relationship issues are so significant that divorce is the only viable option.
Why Financial Position Matters
I have seen countless cases where women end up with limited capital post-divorce. Often, their careers have been interrupted by years spent caring for children, making it harder to re-enter the workforce at full capacity.
Some common scenarios include:
Women running hobby-style businesses with low income potential.
Women choosing not to work full-time in order to be more present for their children.
Women leaving financial management entirely to their husbands.
Each of these situations makes it harder to survive—and even harder to thrive—after divorce.
The Solution: Get Wealthy, Divorce Healthy
The faster both partners share responsibility for money and financial decisions, the stronger your position if the marriage ends. This requires a mindset shift about wealth.
Many couples do not know how to create wealth in the early years of marriage—this applies to both men and women. Start working with your partner now to generate ideas for building wealth, and share responsibility for decision-making.
Bringing in a Third Party
If you are in a struggling relationship, involve a third party early—ideally before having children. A financial adviser can help you establish a joint financial program.
The sooner you identify that one partner is undermining your shared financial goals, the sooner you can address the problem or part ways before you are both left broke. And broken.
If you already have children, improving your financial position is even more critical. Progress may be harder, and one person may need to lead. I recommend that the partner with the most to lose from a divorce drive this process.
Financial Cooperation Can Strengthen Relationships
Sometimes, working together towards financial goals can improve the relationship itself. Finding a “mutual financial language” can create respect and unity. While it will not fix every problem, it can remove financial stress, making life after divorce far easier.
The Sydney Factor
Finance is a major factor in Sydney life: housing is expensive, everyday costs are high, and building financial independence requires focus. Without a strong financial foundation, you are adding significant strain to your marriage.
It is easy to understand why some couples relocate to more affordable areas. But if you plan to stay in Sydney, you must commit to sound financial management together.
Divorce Costs More Than Advice
The cost of living in Sydney—and across Australia—makes financial management within a marriage a necessity, not an option.
Working towards collective financial goals has the potential to bring you closer together. And if you do divorce, at least you will both be financially stable. Divorce is rarely easy, but it is far better to say you are “Divorced Wealthy” than to start over from zero.
At Centurion Private Wealth, we help couples create strong financial strategies that support both individual and shared goals. Whether you remain together or part ways, our aim is to ensure you both have the financial independence to move forward confiden
