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Fictional case: 12-year marriage · 2 children · $547K estate · Texas

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Chapter 1

Financial Snapshot

Marital Assets

$547,000

Separate Assets

$35,000

Total Debts

$81,000

Net Worth

$466,000

Asset Breakdown

Asset	Value	Type	Notes
Marital residence	$420,000	community	Purchased 2016 during marriage with marital funds; equity of $195,000 after mortgage payoff. Fully community property under inception of title doctrine since acquired during marriage.
Joint bank accounts	$38,000	community	Accumulated during marriage; presumed community property.
Client personal bank account	$9,000	community	No evidence this is traceable to separate funds; presumed community despite being titled individually.
Investment accounts	$40,000	community	Presumed community absent evidence of separate-property tracing.
2022 Honda Pilot	$30,000	community	Acquired during marriage.
2019 Toyota Corolla	$14,000	community	Acquired during marriage.
Other assets (household goods, misc.)	$8,000	community	Presumed community.
Cryptocurrency	$15,000	community	Acquired during marriage (cryptoPremarital = false); treated as community property under §3.002. No red flags for concealment identified.
Client 401(k) — marital portion	$68,000	community	Total balance $80,000 minus $12,000 premarital portion = $68,000 community. Premarital portion plus any growth attributable to it should be traced by a QDRO-qualified actuary/CPA for precision.
Client 401(k) — separate/premarital portion	$12,000	separate	Contributed before marriage (2014-06-14); inception of title fixes this as separate property. Growth on this portion during marriage is technically community income in Texas only if it's an active, non-passive gain — but retirement growth is generally treated as passive appreciation retained by the separate estate. A precise coverture fraction calculation is recommended.
Client IRA	$18,000	community	No premarital contributions reported; presumed fully community.
Spouse retirement account	$112,000	community	No premarital portion reported (spouseRetirementPremarital = $0); fully community.
Inheritance	$23,000	separate	Received during marriage but by inheritance — separate property under Tex. Fam. Code §3.001(2), regardless of when received. Must be traceable and kept segregated to maintain separate character; commingling risk should be assessed.

After 12.2 years of marriage, the community estate totals approximately $547,000 in assets against $81,000 in community debts, for a net community estate of $466,000. There is also $35,000 in separate property — $23,000 in inheritance and $12,000 in premarital 401(k) contributions — that should remain outside the divisible estate. The marriage shows a significant income disparity: spouse earns $8,300/month versus client's $4,200/month, which will influence both the property division analysis and support determinations. The home represents the single largest community asset ($195,000 in equity), and both parties have identified it and the retirement accounts as priorities, which will require careful negotiation since both cannot be fully retained by one party without an equalizing mechanism. Client's separate student loan debt ($16,000, premarital) is excluded from community division but remains a personal financial obligation that will affect post-divorce cash flow.

Chapter 2

Property Division Strategy

Your Share

$233,000

50%

Spouse's Share

$233,000

50%

Texas Family Code §7.001 requires the court to divide the community estate in a manner that is 'just and right, having due regard for the rights of each party.' This is explicitly NOT a mandatory 50/50 rule — Murff v. Murff, 615 S.W.2d 696 (Tex. 1981), establishes that courts may consider disparity of earning capacity, education, health, fault in the breakup, benefits the innocent spouse would have received from a continued marriage, custody of children, and business opportunities, among other factors, to justify an unequal division. The pre-computed baseline in this report starts from an even...

Deviation Factors

Disparity of earning power and income between spouses

Spouse earns nearly double the client's income ($8,300 vs $4,200/month), which is a well-recognized Murff factor supporting an unequal division favoring the lower-earning spouse to prevent post-divorce economic hardship.

Custody and care of minor children

Client will have primary custody of both children (131 overnights standard possession for the noncustodial parent), which courts weigh heavily in favor of awarding the custodial parent the family home and additional liquid assets to maintain stability for the children.

Benefits the innocent spouse would have received from continuation of the marriage

With a 12+ year marriage and one spouse earning substantially more, the lower-earning spouse arguably would have benefited from continued higher household income; this supports a modest upward adjustment in the client's favor, though this is tempered by the availability of spousal maintenance as an alternative remedy.

Chapter 3

What-If Scenarios

Scenario A: Keep the House

Client retains the marital residence, refinances the $225,000 mortgage into her sole name, and pays spouse an equalizing payment (calculated at $6,500 net across the full estate) to offset his interest in the home equity and other assets.

Your Value

$195,000

10-Yr Projection

$317,666

Monthly Cash Flow

-$145

Break-Even

7 years

Scenario B: Sell House & Split

Both parties receive cash from the home sale and start fresh with maximum liquidity...

$189,000

$245,000

$4,600

N/A

Scenario C: Keep Retirement

Prioritize long-term financial security by taking a larger share of retirement accounts...

Full scenarios in your report

Chapter 4

Child Support Calculation

Guideline amount: $1,635/month — paid by spouse. Includes step-by-step calculation, healthcare breakdown, and modification triggers.