Caroline - Relationships: Making Up & Breaking Up
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Moments
Growing Up, Studying & Re-Qualifying
Entering & Re- Entering the Workplace
Relationships: Making Up & Breaking Up
Parenthood & Becoming a Carer
Later Life, Planning & Entering Retirement
Ill-Health, Infirmity & Dying
Perils
Financial Capability Imperative
Pay Gap
Shared Living & Cohabitation Pitfall
Parenthood & Caring Penalty
Flexible Working Sacrifice
Wellness Threat
Divorce & Separation Setback
Abuse Danger
Pension Deficit
Financial Wellbeing
Longevity Trap
Graduation Gap
Skills & Qualification Gap

Caroline - Relationships: Making Up & Breaking Up
Caroline is a mum in her late 40s, recently separated and is embarking on a divorce. She is considering her financial future as she begins the divorce process.
86% of lone parents are women which can make it harder for divorced and separated women to restart careers, earn and save for pensions.
Median pension wealth for a divorced woman at retirement is £26,100, 1/4 that of a divorced man.
Increasing numbers of people are living alone in later life due to divorce.
Caroline can think about the impact of childcare on work, earnings and pensions when agreeing child contact with her ex-husband.
Planning her financial future including her career plans, likely earnings and realistic pension saving will also equip Caroline to reach a fair divorce settlement including sharing pensions and housing assets.
She can also factor into her own financial planning the possibility that she might live alone in later life.