there's all of the things that can happen. most important thing here, what do you say to people when they're doing the divorce settlement? how do you make sure you protect yourself for the uncertainties of 10, 20 years down the road. a lot of people say i don't have health care, and now there's not as much in the 401(k) as i thought and they have to re-open it up. >> long-term financial planning before you sign your settlement agreement. you have to think about it to run the numbers. you have to say, how is this going to look after the divorce? when you're in the middle of divorce there's crisis, drama and emotion. it's difficult to think clearly about the finances on the other side of the divorce, but you know what? five years, ten years down the road, you're going to say i wish i got the retirement asset as opposed to an investment asset. i wish i had not taken the house and sold it at a time when i could have used the money to now buy a condo or something else or maybe rent for a few years. >> very difficult decisions. a lot of people are deciding to
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