
Women and divorce: 6 inspiring reasons to embrace your financial independence
Getting divorced can be a challenging experience for many women, but embracing your financial independence could be a vital step towards a positive new beginning.
While you may be concerned about what your future holds and how you’ll cope financially, this major turning point in your life could also present new opportunities and possibilities.
Keep reading to discover six inspiring reasons to embrace your financial independence with confidence.
1. Feel empowered by taking full ownership of your wealth
Sharing financial responsibilities with your ex-spouse or partner might have brought a sense of safety and reassurance, especially if you lack confidence in managing money.
However, depending on someone else for your financial security could be “riskier” than taking full ownership of your wealth. If you relied on your partner in this way – either for their income or their financial knowledge – you might be feeling adrift and uncertain now they’re no longer around.
This is the time to take control of your wealth by improving your financial knowledge and exploring options like investing. If this feels daunting, you might benefit from consulting a financial planner who can coach, educate, and guide you on your journey towards financial independence.
When you’re self-sufficient, you won’t need to worry about losing financial support from a partner. You can make key financial decisions on your terms, without needing to compromise for someone else.
2. Enjoy freedom from your ex-spouse or partner’s money mistakes
Research by fair4allfinance (8 March 2024) shows that 2.1 million women have had credit taken out in their name without their consent or had their credit destroyed due to the problem debt of a former partner or spouse.
Once you’ve separated your finances from your ex-spouse or partner, you’ll no longer be affected by any financial mistakes they might make.
As such, you have the peace of mind that you’re in complete control of your financial wellbeing and there won’t be any unpleasant surprises – at least not from your ex’s financial behaviours – down the line.
3. Relish the opportunity for a fresh start
Rather than seeing your divorce as an ending, try to see it as the beginning of an exciting new chapter in your life.
You no longer need to account for your ex-partner’s needs in your financial plan. As such, it’s a great opportunity to set new personal goals for the short-, medium-, and long-term.
While this could feel exciting, it may also require a significant shift in perspective, especially if you’ve been married a long time.
A financial planner can help you understand your new, post-divorce financial situation, which could make it easier to identify meaningful goals and create a strategy for achieving them. They can use cashflow modelling software to predict how different scenarios could affect your wealth, allowing you to capitalise on your settlement to build the lifestyle you want.
4. Avoid conflicts and disagreements about your personal finances
According to Psychology Today (17 March 2025), financial stress is one of the top reasons couples argue. This usually stems from differing attitudes to money and spending habits.
By building your financial independence following divorce, you’ll be free to call all the shots when it comes to how you spend, save, and invest your wealth.
As a result, you can avoid all those emotionally draining money disagreements you might have had in your previous relationship.
5. Seize the moment to shape your career in line with your goals
When you were married, you might have made career compromises to accommodate your partner’s needs and wishes.
While you may still have commitments that affect your working life, such as childcare, you might find that you have more time, energy, and drive to revitalise or redirect your career post-divorce.
Indeed, as a financially independent woman, you can redirect time and resources towards career development. This could mean setting aside time to build your dream business, investing in training courses, or using your savings to fund a career change.
Read more: Career success for women: An inspiring guide on how to regain your earning power after divorce
6. Bolster your financial and mental wellbeing
Taking control of your wealth, setting new goals, and relaunching your career could be extremely empowering.
Improved financial literacy and confidence may reduce any anxiety you feel after your divorce about managing your day-to-day finances and achieving long-term security.
Moreover, financial independence allows you to make more informed decisions and better life choices.
All of which could provide a major boost to your financial and mental wellbeing. You may also have more money to invest in your wellbeing, from healthcare to professional financial advice.
Read more: 6 powerful ways women can master their wealth and conquer financial stress
Get in touch
If you’re recently divorced or currently going through a separation, I can help you build the knowledge and confidence you need to embrace financial independence and thrive in your new life.
To find out more, please get in touch by email at lottie@truefinancialdesign.co.uk or call 03300 889138.
Please note
This article is for general information only and does not constitute advice. The information is aimed at retail clients only.
All information is correct at the time of writing and is subject to change in the future.
The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.
Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.
The Financial Conduct Authority does not regulate cash flow planning.
Approved by 2plan wealth management Ltd 23/09/25.