When you have been financially dependent on your spouse, the thought of divorce can be terrifying. You may not have access to bank accounts or a clear picture of your household finances. This feeling of being powerless is the number one reason people stay in unhappy marriages. The first step toward taking back control is to create a simple, confidential financial survival plan.

This isn't about hiding money or being deceptive; it's about empowerment. It's about gaining the clarity you need to make smart, strategic decisions for your future. Here are three practical steps you can take today:

1. Understand Your Household Budget. Do your best to figure out your family's monthly income and expenses. Look at past bank statements if you have access to them. How much comes in each month? How much goes out for the mortgage, utilities, car payments, and groceries? Knowing this number is the first step to understanding what it will cost to maintain your lifestyle.

2. Quietly Gather Key Financial Documents. Knowledge is power. Before the divorce process begins, start making copies of important financial documents. This includes tax returns, pay stubs, bank and investment account statements, and retirement plan statements. Store these copies in a safe, private place outside of your home.

3. Open a Bank Account in Your Own Name. Having a separate bank account that you control is crucial for your financial independence. You can begin saving money here to cover your initial legal fees and living expenses when you eventually separate.

Taking these small, proactive steps can transform your feelings of fear into a sense of preparedness and control.

To learn the complete, step-by-step process for securing your finances, download our free guide: Financial Clarity & Control: The Professional's Guide to a Secure Financial Future After Divorce.