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Susan Guthrie turns to a subject that keeps more people up at night than almost any other one in divorce: money. Specifically, how to protect it, and how to stop spending it in the wrong places. Heather Locus is a CPA, certified financial planner, and certified divorce financial analyst with a rare gift for taking the most complicated financial pieces of divorce and making them feel manageable. In this episode, Heather shares her top strategies for saving money in your divorce, from the common mistakes that quietly drain your settlement to the smart moves that keep more of your hard-earned dollars where they belong, with you. Together, Susan and Heather walk through her five ways to save money in a divorce, from getting organized early and assembling the right support team, to keeping business and emotion separate, to using her Settle Smart projections to see the road ahead. As Heather points out, these are critical points whether you have millions in the bank or are living paycheck to paycheck. What You'll Learn Why something as simple as setting up a separate email for divorce communications can save real time, money, and stress What discernment counseling is, and how pausing to consider it can save money in your divorce negotiations, even if you still end up divorcing Why having laser focused priorities, for yourself and for your spouse, is the key to smart negotiating How to assemble the right support team, and when mediation, collaborative divorce, or traditional litigation is the better fit Why remembering "it's business" helps you make financial decisions instead of emotional ones What Settle Smart is, and how modeling your financial future helps you know what to accept, and what's worth continuing to negotiate for Episode 3 of 8 in the Divorce & Beyond Summer Essentials Series. This summer, Divorce & Beyond brings back 8 the episodes listeners reach for most, the conversations with the clearest, most practical guidance for anyone thinking about, going through, or rebuilding after divorce. New Essentials air every other Monday all summer. Follow the show so you never miss one. About this week's special guest: Heather Locus Heather founded the National Divorce Practice Group at BDF Private Wealth to help divorcing individuals consciously navigate their divorce's emotional and business aspects. From hiring the right fit attorney through their SettleSmart™ analysis, then implementing the divorce decree and auditing it annually, Heather ensures you have the resources you need to start your next chapter on a firm footing. Heather founded our Women's Service Team in 2006 to help female executives and business owners, widows, and women transitioning through divorce. After going through her own divorce in 2011, she realized how much more we could do to support divorcing women and men with a practice dedicated to serving their unique needs. Heather is driven by deep empathy to help divorcing individuals have clarity and confidence in finalizing their divorce. A Forbes “America's Top Women Advisor,” Heather is a nine-time “Five Star Wealth Manager” according to Chicago magazine, was named an “Influential Women in Business” by The Business Ledger, a “Top 200 Wealth Advisor Mom” by Working Mother, and an InvestmentNews “Woman to Watch.” Heather is an author of two books on divorce and has contributed to leading publications, including The Wall Street Journal, Crain's Chicago Business, Family Lawyer Magazine, and Divorce Magazine on multiple topics. She is a CPA, CFP® practitioner, and a Certified Divorce Financial Analyst (CDFA®) professional and has completed intensive executive coaching and divorce mediation training. Heather loves learning from her teenage son and daughter and working with organizations she is passionate about, including After School Matters, The Lilac Tree, Between Friends, and Make-A-Wish Foundation. For more information on Heather: Call/Text Heather at 312-312-2144 or email hlocus@bdfllc.com if you or a friend are contemplating or in the middle of a divorce. Financial Issues in Divorce: A Client Handbook: Heather's latest book written for the American Academy of Matrimonial Attorneys. Listen to Heather's prior episode of Divorce & Beyond: Negotiating Your Financial Future: Key Factors to Consider with Leading Divorce Financial Professional, Heather Locus" on The Divorce & Beyond Podcast with Susan Guthrie, Esq. #114 If This Episode Helped You Follow Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, a five-star review makes a real difference in helping the show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod About the Host: Susan Guthrie, Esq. Susan Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping people navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, Town & Country, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with more than 1.3 million downloads and an Apple Top 100 Self-Help designation, Susan brings together leading legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at divorceandbeyondpod.com/about. Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.
Mark Minnella, host of Financial Issues, discusses the new government-backed savings program for Children called Trump Accounts and what Christian families should consider before participating. http://FinancialIssues.org
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Join Luke and Earl as we take a look at how Aston Villa signing Jarrod Bowen can help Aston Villa navigate it's financial issues. On paper Aston Villa signing a 29 year old makes little sense but could he actually help us navigate our issues. #astonvilla #avfc #jarrodbowen
Real Housewives of Atlanta star Drew Sidora opened up about the very real financial stress surrounding her divorce from Ralph Pittman, revealing fears that the Georgia home they once shared could face foreclosure. Court documents show a significant income disparity between the two, and recent rulings have ordered Sidora to vacate the home, intensifying public conversation around finances, custody, and fairness in high‑profile divorces. See omnystudio.com/listener for privacy information.
International tensions took center stage as the U.S. and Iran exchanged military strikes near the Strait of Hormuz while both sides insisted a ceasefire is still in place. According to U.S. Central Command, American naval ships intercepted what were described as unprovoked Iranian attacks and responded with targeted strikes, while Iran accused the U.S. of violating the truce first—raising global concerns due to the Strait’s importance as a major oil shipping route. On the home front, Real Housewives of Atlanta star Drew Sidora opened up about the very real financial stress surrounding her divorce from Ralph Pittman, revealing fears that the Georgia home they once shared could face foreclosure. Court documents show a significant income disparity between the two, and recent rulings have ordered Sidora to vacate the home, intensifying public conversation around finances, custody, and fairness in high‑profile divorces. The show also welcomed music royalty as legendary R&B singer Stephanie Mills joined the RSMS crew for a wide‑ranging conversation about her career, from starring as the original Dorothy in The Wiz to her close friendship with Michael Jackson, whom she strongly defended against long‑standing allegations. Mills reflected on longevity, legacy, and why performing for loyal fans still matters decades into her career. Closing out the episode, Chris Brown marked a major moment with the release of his 12th studio album, Brown—a 27‑track project packed with high‑profile collaborations. Ahead of the release, Brown shared a heartfelt message thanking fans for sticking with him through a long journey and urging them to enjoy the work he poured into the album, which officially dropped at midnight and immediately sparked buzz across social media. Website: https://www.urban1podcasts.com/rickey-smiley-morning-show See omnystudio.com/listener for privacy information.