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The Business of Marriage

You signed a love contract. But did you read the fine print?
Understanding what marriage really is changes everything.

"I had no idea marriage was this complicated legally. Why didn't anyone tell me this before I filed?"

— Marcus, Chapter 3
How to File for Divorce Using AI
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Chapter 3: Understanding What You're Dissolving

Marriage Isn't Just a Relationship—It's a Legal Entity

When you said "I do," you didn't just make a commitment to another person. You formed a legal partnership with binding obligations, shared liabilities, and a complex web of property rights that most people never think about—until they divorce.

Most couples spend more time planning their wedding than understanding the legal and financial partnership they're creating. Then, when it's time to dissolve that partnership, they're completely lost.

You can't effectively divide something you don't understand. Chapter 3 shows you exactly what you built—so you know exactly what you're taking apart.

This isn't about being unromantic. It's about being informed. The couples who understand the business side of marriage make smarter decisions during divorce—and save thousands in the process.

Marriage Is a Multi-Layered Partnership

Understanding these components is the first step to a fair divorce.

⚖️

A Legal Entity

Marriage creates a legal relationship recognized by the state with specific rights, obligations, and protections that don't exist for unmarried couples.

💰

An Economic Partnership

From the moment you marry, most income earned and assets acquired become shared—regardless of whose name is on the account.

📋

A Binding Contract

You signed implied contracts covering property rights, debt obligations, inheritance, and responsibilities you never explicitly agreed to.

🏠

A Merged Operation

Two separate lives combined into one household with shared expenses, joint decisions, and intertwined finances that must be untangled.

Marital vs. Separate Property

The distinction that determines who gets what in your divorce.

📊 Marital Property (Gets Divided)

  • Income earned during marriage (both spouses)
  • Assets purchased with marital funds
  • Retirement contributions made during marriage
  • Business growth during the marriage
  • Appreciation of separate property from marital effort
  • Debts incurred during marriage

🔒 Separate Property (Stays Yours)

  • Assets owned before marriage (if kept separate)
  • Inheritances received by one spouse
  • Gifts specifically given to one spouse
  • Personal injury settlements (pain/suffering portion)
  • Property excluded by prenuptial agreement
  • Assets purchased with separate funds

Warning: Commingling separate property with marital funds can convert it to marital property. Chapter 3 explains exactly how this happens.

Marcus's Wake-Up Call

Marcus sat across from his wife's attorney, completely overwhelmed. They were dividing assets he didn't even know they had. Retirement accounts, stock options, the equity in their home—all of it was "marital property."

"I thought what was in my name was mine," Marcus said later. "I had no idea that my bonus, my 401k contributions, even the appreciation on stocks I bought before we married—all of it was up for division."

Marcus spent $8,000 more than necessary because he didn't understand the business structure of his own marriage. He fought for things he couldn't keep and gave up things he was entitled to.

Let AI Help You Understand Your Situation

Chapter 3 includes prompts to analyze your specific marital estate.

Marital vs. Separate Property Analyzer

Help me categorize my assets as marital or separate property in [STATE]. For each asset, I'll provide: when acquired, how it was funded, and whose name it's in. Explain why each is classified the way it is.

Property Division Calculator

I live in [STATE - community property or equitable distribution]. Help me understand how our marital assets worth $[X] and debts of $[Y] would likely be divided, and what factors might affect that division.

Commingling Risk Assessment

I inherited $[X] during my marriage. Help me determine if it's still separate property or if it may have been commingled with marital assets based on these facts: [describe how funds were used/stored].

What Chapter 3 Covers

Coming Soon

The Business of Marriage — The Full Book

Want to run your marriage like a successful partnership? A standalone book expanding these concepts is in development. Stay tuned.

Understand What You're Dissolving

Don't make Marcus's mistake. Know the business structure of your marriage before you try to divide it.

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