離婚前,女性應準備這三份文件
Tax returns
納稅申報表
Your tax returns are a treasure trove of information. As a financial advisor, it is surprising that many women sign their tax return without really understanding the data reported on the documents.
納稅申報表是信息寶庫。作爲一名財務顧問，我看到很多女性會在沒有真正理解納稅申報表數據的情況下簽字，這實在是出人意料。
Ideally, you should have access to tax returns for the most recent three years as well as the supporting documents used to prepare those returns, including W-2, 1099 and K-1 forms. If you do not have access to a return, you should either contact your tax preparer or complete IRS Form 4506 to request a copy.
理想情況下，你應該準備近三年的納稅申報表及當時準備申報表的證明文件，包括W-2、1099和K-1表格。如果找不到申報表，應聯繫報稅員或準備完整的國稅局4506表格以申請副本。
Lifestyle analysis
生活方式分析表
It is critical that you gain an understanding of what your expenses are both before and after a divorce. When outlining your expenses, be realistic and do not leave anything out. Often, a one-time expense develops into a recurring expense, resulting in an underestimation of your true spending needs.
瞭解離婚前後的支出費用至關重要。列開支清單時，一定要遵循實際，不要遺漏。通常情況下，一次性開支會發展成經常性開支，導致你低估了真正的開支需求。
While government statistics show that we are currently in a low-inflation world, this often does not translate into reality. Health care and education costs have increased at a faster rate than core inflation.
雖然政府的統計數據表明我們目前正處於低通脹時期，但現實情況卻並非總是如此。醫療保健和教育費用正以高於核心通脹的速度增長。
Underestimating expenses could derail your long-term plans.
低估支出費用或破壞長期計劃。
Fortunately, there are tools to simplify the collection of this data. Online expense trackers, such as or , streamline the process and link directly to your bank and credit card accounts to pull necessary information. In addition to online trackers, you should secure three years' worth of your monthly bank and credit card statements to verify prior spending.
幸運的是，簡化這些數據的方法有很多。或等在線開支追蹤工具可簡化記錄開支的過程，而且可以直接與銀行、信用卡賬戶關聯，以獲取消費信息。除了在線開支追蹤器，你還應該準備近三年的月度銀行賬單和信用卡賬單，以覈查先前的支出。
It is important for you to determine not only historical spending, but also likely spending in the future.
做到這一點很重要：既要確認先前的支出，也要確認今後的支出。
Net-worth statement
淨資產報告
Ultimately, you will need to file a financial affidavit that provides the courts with an assessment of you and your spouse's current financial situation, including income, expenses, assets and liabilities. Tax returns should provide clarity about income. The lifestyle analysis will bring greater understanding of your spending, while the net-worth statement will tally your assets and liabilities.
最後，你需要提交一份經濟證明，以讓法院瞭解你和配偶的當前經濟狀況，包括收入、支出、資產和負債。納稅申報表明確了收入；生活方式分析表進一步列出了支出；淨資產報告則明確了資產和負債。
Knowing how to access this information is critical to ensure that the reported amount is correct, but also to confirm there are no omissions. You should secure supporting documents regarding any investment, banking and savings accounts, as well as information about any employer-sponsored retirement plans.
獲得這些信息的方式對於確保數據的正確性至關重要，而且還可以覈查有無遺漏。此外，你還應準備以往有關投資、銀行賬戶和儲蓄賬戶的證明文件，以及僱主出資設立退休金計劃的信息。
