The early days post-divorce can feel like a blur—emotionally and financially. This is the time to focus on small, manageable steps that help you get organized. Update your accounts, automate your bills, and make sure your paperwork reflects your new reality. Just as important: give yourself permission to slow down and reduce financial overwhelm where you can.

Once the dust begins to settle, you can shift from reacting to planning. This is the phase to revisit your goals, create a new financial plan, and build a spending and savings strategy that fits your life now. It’s also a good time to review your taxes, estate planning documents, and insurance to make sure everything reflects your updated needs.

As your confidence grows, so does your ability to think long-term. Now’s the time to invest with purpose, maximize retirement contributions, and reimagine your goals. Whether you’re planning to travel, leave a legacy, or simply feel more secure, your financial strategy should reflect where you want to go—not just where you’ve been. And don’t forget to celebrate how far you’ve come.