As summer fades and the school year begins, a familiar rhythm returns — fresh notebooks, packed lunches, and earlier bedtimes. But for those going through a divorce, this “back-to-school” season may feel anything but routine. It might mark the first time you’re managing drop-offs and homework alone. Or the first time your children spend part of the week somewhere else.
During these transitions, it’s easy to focus only on surviving the day-to-day. But what if this season could also be a turning point — not just for your kids, but for you?
1. Divorce is a Major Life Reset — Use It Wisely
Divorce isn’t just the end of a relationship — it’s a financial, emotional, and logistical reboot. It can feel overwhelming, but it’s also a chance to redefine your values and rebuild a life that aligns with your goals.
Use this moment to reassess:
- Where is your money going?
- What do you truly need to feel secure and fulfilled?
- How can you invest in yourself — emotionally, professionally, and financially?
If you’ve spent years putting others first, it’s time to move yourself up the priority list.
2. Back to School Isn’t Just for Kids
When the kids go back to school, consider this your opportunity too.
Whether it’s taking an online course, pursuing a certification, or simply dedicating time to learn about personal finance, education is a powerful tool for growth and reinvention. Use the time you gain — even if it’s just a few quiet hours each week — to focus on:
- Career development
- Financial literacy
- Health and wellness
- Emotional healing
You don’t have to do everything at once. Small, consistent steps create big results over time.
3. Invest in Your Financial Future (and Peace of Mind)
Divorce often comes with financial upheaval. You may be managing money independently for the first time in years. That’s why this is the perfect time to set a solid foundation for your financial future:
- Create a realistic post-divorce budget
- Rebuild or start an emergency fund
- Understand your investment options
- Maximize retirement contributions, even in small amounts
- Meet with a financial advisor who understands life transitions
Remember, investing isn’t just about money. It’s about investing in stability, confidence, and peace of mind.
4. Think Long-Term, Act Short-Term
This season may feel chaotic — emotionally, financially, and practically. But while you’re focused on keeping the household running and helping your children adjust, don’t forget your own long game.
Your future self will thank you for every wise decision you make today:
- Saying no to unnecessary spending
- Saying yes to therapy or coaching
- Learning how to advocate for your financial needs
- Building new habits, relationships, and goals
5. You’re Allowed to Thrive
Divorce and back-to-school season are both symbolic of transition — one deeply personal, the other cultural and familial. Combined, they’re a powerful reminder that change, while hard, is often the beginning of something better.
Invest in your next chapter — emotionally, financially, and personally. You’re not just surviving a season of change. You’re building a new life. And you’re allowed to thrive in it.
Final Thought
If you’re navigating divorce and facing a new school year, know that you’re not alone. This is a season for starting over — and starting strong. Lean into the discomfort. Trust your future. And never underestimate the return on investing in you.
Jamie Blum, CPA, CDFA®
Director, Divorce Financial Planning and Litigation Support
Argent Bridge 2 Divorce (AB2D) provides divorce financial planning services. AB2D does NOT provide legal advice. All information provided is financial in nature and should NOT be construed or relied upon as legal advice. Individuals seeking legal advice should solicit the counsel of competent legal professionals knowledgeable about the divorce laws in their own geographical areas. Divorce financial planning is a fee-only process that does not involve investment advice, securities, or insurance transactions. Argent Bridge Advisors offers investment advice, securities management, and insurance services through a separate engagement.
