同林鸟离婚前需考虑的六个财务问题

Now that the vacation suitcases are put away and the children are back in school, it may be time to start planning for something that you may have been putting off-a divorce.
既然旅行箱已经放好，孩子们也重返学校了，或许是时候开始准备一下你一直在推后的离婚计划了。
Divorce is a huge step and not one to be taken lightly due in part to its enormous emotional and financial ramifications. But as the economy continues to improve, more couples who have postponed their divorces are likely to pursue them.
离婚是一件大事，由于其会对情感以及财务状况产生巨大的影响，因此不可草率行事。但随着经济继续好转，许多曾推迟了离婚计划的夫妇可能会将该计划付诸行动了。

National U.S. divorce statics are pretty lousy. There is no reliable central database and some states, most notably California, don't even count the number of divorces annually.
美国的离婚统计工作做得相当糟糕，没有可以信赖的中央数据库，一些州、最明显的是加利福尼亚州甚至不统计年度离婚数据。

That said, the reported number of divorces runs at about 40% of marriages. In 2011, for instance, there were 877,000 divorces and 2.1 million marriages, according to the National Center for Health Statistics.
但据称离婚数量已经相当于结婚数量的大约40%。例如，据全美健康统计中心(National Center for Health Statistics)数据，2011年有210万对新人结婚，但有877,000对夫妇离婚。
Whether it's the seven-year itch or you're just plain unhappy and you feel it's time to make a change, there a few things you need to consider before you file.
无论是因为七年之痒，还是仅仅因为你过得不开心，你觉得是时候做出点改变了。但在提交离婚申请之前你需要考虑好以下问题。

1. Know What You Own and Make Copies.
1. 了解你拥有什么并且备份
Gather as much information as possible, as early as possible, regarding your family's finances, says Solon Vlasto, a financial planner in McLean, Va. 'As a divorce progresses, documentation becomes more difficult to locate,' he says.
弗吉尼亚州麦克莱恩的理财规划师Solon Vlasto说，尽早、尽可能多的收集有关家庭财务方面的信息。他说，随着离婚过程的推进，文件会越来越难找。

Begin by making a list of assets, debts and sources of income. Try to obtain at least three years of tax returns. Gather employee and retirement-benefit information and insurance documents. Make copies of everything.
从列出一张资产、负债以及收入来源的单子开始。收集至少过去三年的纳税申报单。获取雇佣和退休福利信息及保险文件。所有的信息备份。
Start tracking expenses, if you haven't already. The more information you collect, the better. There will be a point in the divorce where you'll have to review your cost of living, Mr. Vlasto says.
开始追踪支出情况，如果你之前没有的话。收集的信息越多越好。Vlasto说，在办理离婚的过程中，你还需要评估生活成本。