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A retirement account and a house might look equal on paper, but capital gains, early withdrawal penalties, and property taxes can make the real value very different.

This matters even more for women who may already face a post-divorce dip. Knowing the after-tax impact of asset division isn’t just smart—it’s essential to protecting you future.

ot all assets are created equal — especially after taxes.

How taxes can quietly undermine your divorce settlement

Your filing status might change

Changing filing status from Married can have consequential tax implications

You might be unable to claim some dependents

A dependent can only be claimed by one taxpayer

You may not be able to itemize deductions

If using standard deductions, mortgage interest, medical expenses and charitable contributions may be lost

You might have tax consequences if accessing funds from certain assets in divorce

Withdrawing from a retirement, like a 401(k), can result in significant tax implications when filing

Your side job or new business may create an increase in taxes owed

Getting a second job, a gig economy “side hustle” or starting a new business can increase how much is owed in taxes