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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To ask how you think this divorce may look?

124 replies

Questionstoask · 03/01/2026 19:48

  • 3 children under the age of 6
  • DH earns £260,000 per year roughly. This has increased since our relationship began.
  • Married for 2 years
  • Relationship of 10 years in total
  • Property equity of £400,000
  • SAHM since our youngest was born
  • House deposit came entirely from DH
  • DH works abroad for 1 week per month.
  • savings of approx £100k.

I know I need to speak this through with a solicitor.
Extremely likely DH will give near enough full custody to me (6 days per week).

Looking for thoughts and experiences of anyone else who’s been in a similar position.

OP posts:
JaceLancs · 03/01/2026 22:10

I would look at a starting pot of 400k house equity, 150k pension and 100k savings so 650k
Your solicitor should start negotiating at lump sum of 325k which if your estimates are correct would give you a 3 bed house
Maintenance going forward would be a separate issue and you would have to decide whether that is enough to live on mortgage free until DC are a bit older
I split with exDH when DC were 4 and 5, but scrimped by working PT with maintenance and a few side hussles until DC went to high school
Good luck with it all - I’m sure it will be fine

starsinthegutter · 03/01/2026 22:22

Check for investments and company shares (if vested) as they'll be part of the pot too.

SalmonOnFinnCrisp · 03/01/2026 22:31

Questionstoask · 03/01/2026 20:30

Our spending is enormous. Mostly on holidays, luxury cars, prep school. It’s anonymous on here so I’m not fussed at being so open. It’s a big issue in our marriage and has contributed towards the breakdown.

Ah okay! Makes sense then.

The fact he is PAYE and not self employed is FANTASTIC news for you.
If he was self employed you'd likely bugger all maintenance as he can easily fudge it and give you £50 a week.

I am going to assumeypur situation is bad if you are looking now with a newborn...

Do you have anyone....aunt uncle parent cousin who could loan (or give you) a couple of K to start talking to lawyers.

Some other random thoughts...

  1. if your oldest will need to come out of prep you will need to wait list (nothing to do on this now probably but add it to the to do list.
  2. One great tip i saw on here was ahead of breakup Stockpile on things that cost £££.

I.e. now in the sales buy clothes for next 1 or 2 sizes up so your kids have clothes for the next year or 2 (i do this anyway as I like a bargain!) Buy those Rex london zipped shoppers... one bag per child per age range.
Also start stockpiling things like washing powder / dishwasher tabs things like this in the garage.

It will make the first year or two easier financially.

SalmonOnFinnCrisp · 03/01/2026 22:38

My 2p is similar to
@ThereAreOnlyShadesOfGrey.

Ypu have a newborn and other small children - its a lot.
Unless its really not endurable / its unsafe I'd try and make my plans but sit tight for a year or 2 until kids are a bit bigger if you can ...

Questionstoask · 03/01/2026 22:39

Calamitousness · 03/01/2026 21:39

You certainly won’t be eligible to half his total pension with such a short marriage. You’ll be able to argue for 50% of the pension accrued during your marriage only and I would expect he could also reclaim his initial deposit for house purchase prior to split of equity. Is this divorce wanted by both parties? He may be generous, if he wants you and the children to be comfortable so he can leave without hassle and keep dignified etc. I have a couple of male friends that did exactly that. Gifted the mother the home they were raising their children in and their car and they kept their pensions and just restarted again. That way they didn’t feel bad about leaving the marriage. I would rethink divorce and see whether a way forward together couldn’t be something that could be worked on. Otherwise you’re not in a great position financially.

In an ideal world this is what I’d like to happen. I’d have enough to buy a house outright (even if it is much smaller than our current house), plus the amount that CMS suggests for his earnings.

OP posts:
Tammygirl12 · 03/01/2026 22:42

Questionstoask · 03/01/2026 22:39

In an ideal world this is what I’d like to happen. I’d have enough to buy a house outright (even if it is much smaller than our current house), plus the amount that CMS suggests for his earnings.

OP can I ask why you want to get divorced?

It’s exhausting being a single parent. Are you sure it’s what you want? Is he abusive

Interpink · 03/01/2026 22:44

Questionstoask · 03/01/2026 20:05

Pension is approx £150k.
I am not interested in his pension, I care more for ensuring myself and the DC would be housed.

He’s lying about the pension if that’s what he’s earning.

MidnightPatrol · 03/01/2026 22:45

Nobumsonthetable · 03/01/2026 21:21

I’ll bet my mortgage his pension is much bigger than £150k. He quite possibly has it offshore (Isle of Man and Guernsey are highly probable).
unless you don’t plan on getting old then you absolutely must care about his pension. At least half may be yours. Get some decent legal and financial advice NOW. A divorce lawyer won’t necessarily be a pensions expert, you may need to meet with one separately. Trust me 55 comes around quicker than you think.

why on earth would his pension be offshore?

PennyLaneisinmyheartandmysoul · 03/01/2026 22:46

Questionstoask · 03/01/2026 22:39

In an ideal world this is what I’d like to happen. I’d have enough to buy a house outright (even if it is much smaller than our current house), plus the amount that CMS suggests for his earnings.

Do you you think he should also be able to buy a similar house outright?

MidnightPatrol · 03/01/2026 22:46

Interpink · 03/01/2026 22:44

He’s lying about the pension if that’s what he’s earning.

Why do you say that?

Entirely possible he’s not been saving much into a pension because he’s been the sole earner for the entire time he’s earned this amount.

Interpink · 03/01/2026 22:47

FortnumsWeddingBreakfastTeaPlease · 03/01/2026 21:20

Please don't give hopes of spousal maintenance. It's not a thing anymore. Not on £260k a year anyway.

And whilst they will take into account the prior relationship, how much of that was cohabiting?

The fact you both spend like millionaires when only one of you works, and you've got multiple kids, is going to count for nothing, you both need to grow up. It's not sustainable nor realistic.

Work out what your child maintenance will be.

Go for equity now instead of pension later.

You'll get about £300-400k to buy a place. Then child maintenance. You'll be needing a job in 5yrs when the newborn goes to school. And a serious plan for looking after yourself when the maintenance drops off child by child then ends.

Not true. I get nominal spousal maintenance which helps to remind him to make nice cos my claws are still near his balls.

Interpink · 03/01/2026 22:49

MidnightPatrol · 03/01/2026 22:46

Why do you say that?

Entirely possible he’s not been saving much into a pension because he’s been the sole earner for the entire time he’s earned this amount.

Because it’s such a piss poor amount for such a high PAYE. Unless he refused to join the scheme at the start, even the most minimal scheme would be likely to be more than this and certainly given his proven earnings, unless he was on rock all until v v recently those figures don’t stack.

CountFucula · 03/01/2026 22:54

Divorce with a newborn sounds brutal. Sending strength OP. I’d guess you’ll get at least 350k plus maintenance.

I hope you are ok.

TalulaHalulah · 03/01/2026 22:54

MidnightPatrol · 03/01/2026 22:46

Why do you say that?

Entirely possible he’s not been saving much into a pension because he’s been the sole earner for the entire time he’s earned this amount.

Yes but it’s 260k a year and I earn a fraction of that and have more pension as a single parent, so it’s odd 🤷🏻‍♀️

FortnumsWeddingBreakfastTeaPlease · 03/01/2026 22:54

Glowingup · 03/01/2026 21:54

It is still a thing and definitely a possibility where there’s very high income but low assets.

It's really, really, really not. Not on £260k which is no longer considered an outrageous income.

£750k and up, more likely, but nothing like even, say, 10yrs ago.

£1m and over more likely.

Gone are the days of "but I sit at home to do school runs though" it's a harsh system now, OP will be told to get a job imminently. It's what nursery is for, and the other 2 are already in full time education/will be by the time the divorce goes through.

Married for 2yrs with £260k PAYE (so more like £150k take home) she's getting zero spousal. Frankly it's the child maintenance she's going to be living off. And that's going to disappear for child 1 in 12yrs, so she needs to be living sensibly and putting away any excess maintenance for her future/pension.

Modest house for £350k and good ole chunk of cold support. That's basically what's coming. If she's got any sense, cars and holidays for image will stop, not that she'll be getting enough to fund silly lavish ones though, and she'll put away the excess child support into a pension. If not, she'll have a pretty easy time for the next 10yrs then as the maintenance drops off child by child, not so much fun. Hopefully she'll utilise the free nursery places when her child hits 9mths and get a job to make her future much more stable. Three kids is a lot. Women are no longer seen as feckless little creatures sitting at home raising the prodigal ex husband's offspring and getting a hand out for their duty. They're her kids too. She chose to have 3. She's seen as equally culpable and responsible for providing for them.

Questionstoask · 03/01/2026 22:55

Interpink · 03/01/2026 22:44

He’s lying about the pension if that’s what he’s earning.

He isn’t. I’ve seen his pension. He is financially illiterate despite the high salary.

OP posts:
MidnightPatrol · 03/01/2026 22:55

Interpink · 03/01/2026 22:49

Because it’s such a piss poor amount for such a high PAYE. Unless he refused to join the scheme at the start, even the most minimal scheme would be likely to be more than this and certainly given his proven earnings, unless he was on rock all until v v recently those figures don’t stack.

I’m not sure it’s definitely going to be wrong -
as I said, with just auto-enrolment the numbers won’t necessarily be huge - and, he may not have been earning at this level all that long AND given supporting entire family on that wage may well have not been making sizeable pension contributions.

It’s possible he has more of course, but i think there’s as much logic to his not.

ItsAWonderfulLifeforMe · 03/01/2026 22:55

MidnightPatrol · 03/01/2026 22:46

Why do you say that?

Entirely possible he’s not been saving much into a pension because he’s been the sole earner for the entire time he’s earned this amount.

He can put up to 60k a year into his pension tax free via salary sacrifice to avoid paying 45% tax, this is what most earners at this level would do

Questionstoask · 03/01/2026 22:56

MidnightPatrol · 03/01/2026 22:46

Why do you say that?

Entirely possible he’s not been saving much into a pension because he’s been the sole earner for the entire time he’s earned this amount.

He’s prioritised other things over his pension for his whole life.

OP posts:
MidnightPatrol · 03/01/2026 22:57

ItsAWonderfulLifeforMe · 03/01/2026 22:55

He can put up to 60k a year into his pension tax free via salary sacrifice to avoid paying 45% tax, this is what most earners at this level would do

Not necessarily if supporting a family of five, including no doubt a massive London-sized mortgage.

Questionstoask · 03/01/2026 22:58

ItsAWonderfulLifeforMe · 03/01/2026 22:55

He can put up to 60k a year into his pension tax free via salary sacrifice to avoid paying 45% tax, this is what most earners at this level would do

This just isn’t true. So many people have lifestyles that just couldn’t be supported if putting 60k a year into a pension (rightly or wrongly).

OP posts:
Interpink · 03/01/2026 23:00

OP How long has he been on a similar bracketed salary?

ItsAWonderfulLifeforMe · 03/01/2026 23:00

Questionstoask · 03/01/2026 22:56

He’s prioritised other things over his pension for his whole life.

Sorry but he really needs to prioritise this, in 10 years he could easily have a million pound pot making the most of his tax free allowance and the rate it will increase. 25% can be drawn tax free at 57. I’m guessing he has a stressful job on that salary, who knows how long he’ll have such a high earnings for or if he didn’t want to continue at that level as he gets older, I would sort this now and let it grow over time

MidnightPatrol · 03/01/2026 23:01

Questionstoask · 03/01/2026 22:58

This just isn’t true. So many people have lifestyles that just couldn’t be supported if putting 60k a year into a pension (rightly or wrongly).

Eg having a stay at home wife and three kids.

Questionstoask · 03/01/2026 23:01

Interpink · 03/01/2026 23:00

OP How long has he been on a similar bracketed salary?

20+ years of £100,000+.

OP posts: