Greetings, first post, although I've been following the forum for about six months, after I could finally see the true colors of the STBX. I'm in the state of MD, currently in the pre-separation stage, working with collaborative law attorney (both STBX and I work with collaborative lawyers). The parenting schedule went OK, STBX was pushing for less weekdays, I stayed firm, it took an extra month of back and forth and fees, but we got as close to 50-50% custody as possible. Now, the juicy parts of gradual financial disentanglement:
Marital home: Still owe $600K on the house. We bought for $739K five years ago. She makes $10K more than I do currently and it would be very tight for me if I were to keep the marital home, even with allimony or support from the STBX. She's offering me $70K to buy my share out and stay at the marital home with the kids. However, looking at the latest property assessment, I decided to bring real estate agents in for a fair market value price. Based on the options added to the house, comparables and such, the real estate agents suggest that the house would sell anywhere from $820K-$833K (my net sheet looks like I'd get $150K after seller's credit to buyer). That would mean a bump up from what my STBX is offering. And my priority is to get at least a 20% down payment on the next house (I don't want to rent for the rest of my life). So, she's offering $70K and I'm asking for $100K -- a larger lump sum in order for me to leave the marital home. I mean, practically she can sell the house down the road and depending on how the market does, she can do a lot better and I could do a lot worse.
If it matters: Of course the divorce is not my idea. After 15 yrs. of marriage my STBX claims she feels contempt against me, and two rounds of marriage counseling did absolutely nothing to sway her desire to move on without me.
What are your thoughts? What's my best strategy to reach a better deal for me on the financial front? I appreciate your feedback.