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How Unmarried Couples Protect Finances In A Breakup

The week of April 20, 2026, a Wall Street Journal series

shares stories about the financial impact of divorce.

WSJ subscribers read it here. Or read Hadley Finch’s

insightful summary and action plan now:

The first article by Ashley Egeling in this series, reveals the

messy legal issues of divorce that unwed couples may face

in a breakup, and how to avoid them.

A featured couple was married in a religious ceremony, and

they broke up eight years later. The woman sued her ex for 

financial support and her share of their seven-figure home, 

because she quit her job to take care of her mate and 

his daughter.  The Judge dismissed her case because 

they never applied for a license to get married legally.

“It’s heartbreaking,” said the 55-year-old woman, who

is studying law and trying to rebuild her life.

WSJ reports that over 20 million American adults are 

living together without the legal bonds of marriage, up

from 14 million in 2009, according to the National Center

For Family & Marriage Research.

This article clarifies how most state laws impact married

versus unmarried couples.  A legal marriage is a financial 

partnership, presuming that the assets will be divided 

equitably upon a breakup. 

Legal resolutions for unmarried couples often hinge on

a court’s interpretation of case law.  “It’s the Wild West,” 

said a family lawyer in Denver.

Most states don’t recognize common-law marriages

so they don’t equitably divide assets when unwed couples

break up, with the exception of Texas and Kansas.

How can unmarried couples avoid legal disputes in a

breakup?  Some sign cohabitation agreements, which 

are like marital prenups.  Not all states recognize them.

A family law professor warns that the person with less 

financial means often has no right to the property that

was acquired during a relationship, upon its breakup.   

That changes once a parenting relationship is created.  

Then the same legal standard weighing what is best for 

the child applies to married and unmarried couples alike. 

WSJ reporter Ashley Egeling shares stories of custody 

battles and financial support battles between unmarried 

couples, with “dumbfounding” outcomes.  In Washington 

state, couples In a committed intimate relationship 

typically divide property acquired while they were together, 

even if only one partner paid for it and holds the title to it.  

Elsewhere, unmarried people generally have to be on the

title of the property to have an automatic claim to it after

their relationship ends.

Hadley Finch’s advice:

Before entering a committed relationship, Hadley Finch 

advises couples to imagine the best and protect against

the worst, by creating a cohabitation or prenup agreement 

that protects each partner’s financial well-being.  

And by taking the best actions each day to create happy, sexy 

love that lasts.

And discover how Parents Manage Anger With Love, using quantum tools and brain plasticity exercises

you explore in Hadley Finch’s latest book. Get it here:

About Hadley Finch

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