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The Marital Home in Divorce: A Financial and Emotional Dilemma


Going through a divorce is undoubtedly a challenging and emotional experience.

Amidst the complexities of separation, one of the most weighty decisions is whether to keep or sell the marital home.

This decision involves financial and emotional considerations that can have a lasting impact on the lives of divorcing couples.





This blog will delve into the pros and cons of keeping the marital home, drawing on the invaluable insights of Nanette Murphy, a seasoned divorce and life transition coach who has not only guided others through this decision but has also experienced it firsthand.


Pros of Keeping the Marital Home:


a) Emotional Stability: The marital home often holds sentimental value and memories that can provide stability during an emotionally turbulent time. Maintaining a familiar environment can offer comfort and a sense of continuity for many individuals and their children.


b) Stability for Children: The decision to keep the marital home can be a powerful tool in minimizing the upheaval in children's lives. The familiar surroundings, schools, and neighbors can act as a comforting constant, offering a sense of normalcy and security during a challenging time.


c) Emotional Attachment: The marital home may hold significant emotional attachment, making it difficult for some individuals to let go. It can symbolize a sense of identity, family, and security, mainly if there are sentimental attachments or the home has been a part of their lives for an extended period.


Cons of Keeping the Marital Home:


a) Financial Considerations: Maintaining the marital home can be a significant financial burden. Mortgage payments, property taxes, maintenance, and upkeep costs can strain post-divorce finances, especially if one spouse assumes sole responsibility. Evaluating whether keeping the home is financially sustainable in the long run is crucial.


b) Equity Division: Keeping the marital home may require a spouse to give up other assets during the divorce settlement to compensate for the retained equity. This trade-off could impact financial security and limit the ability to invest in different areas, such as retirement funds or starting anew.


c) Emotional Attachment: While emotional attachment can be a pro, it can also be a con.

Some individuals may find it challenging to move on and heal emotionally when surrounded by reminders of the past.

Letting go of the marital home can provide a fresh start and facilitate emotional healing and personal growth.



Deciding whether to keep or sell the marital home in a divorce is a complex decision that requires careful consideration of financial and emotional factors. Individuals must consult with professionals, such as divorce lawyers, financial advisors, and coaches, to comprehend the implications of this decision entirely. Ultimately, each person's circumstances and priorities will differ, and there is no one-size-fits-all answer. Nanette Murphy's insights highlight the importance of balancing financial stability with emotional well-being during this significant life transition.





Remember, divorce is a time of transformation, and with proper guidance and support, it can also become an opportunity for personal growth and a new beginning.


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