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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
row, 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 timt 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 rent for a few years because there's so many uncertainties out there. those are tough decisions when breaking up is hard to do literally because ut can't get out from under the house. a lot of folks team as though a couple of years have passed since the initial crisis, home prices have stabilized. now nare starting to move on. >> maybe some marriages were saved. some are not going to be and better to move on with. "smart is the new rich." it's a new book. it as all sorts of stuch like this. another financial pressure particularly on moms and dads. we know education slr addition the price of education is a burden. that burden does not seem to be