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Fear of losing her home was Marcy Blume’s motivation.
“It sounds silly, but I knew that when Jim and I truly divorced, unless I won lotto or something, I’d never have as nice a kitchen again for the rest of my life," she confides.
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The phenomenon of being "separated but together" is a new kind of normal, particularly for couples over age 50.
Often they have been married for 20 or more years and jointly own a home and other valuable assets, says Tina B.
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Until legal proceedings have begun, each partner is liable for the other’s debts — both from past plus any new ones.
In extreme cases, one person might empty joint bank accounts or transfer shared property ownership into his or her own name.
Plus if there are children living at home, the burden on the primary guardian might be unmanageable alone.
And then there are the oddball issues you don’t think about until they come up.