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The 3 Things You Must Know Before You Divorce (From a Divorce Mediator)
3rd February 2026 • Doing Divorce Different with Lesa Koski • Lesa Koski
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Divorce mediation can save you time, money, and emotional stress. Learn how divorce mediation works, why mediation matters, and how to divorce with dignity and peace.

If you’re facing divorce, this episode walks you through exactly why divorce mediation may be the smartest first step you take. As an attorney, mediator, and life coach, Lesa shares how divorce mediation helps couples avoid court battles, reduce legal costs, and protect their kids while keeping their dignity intact.

You’ll learn the 3 powerful reasons divorce mediation works better than litigation — plus the 3 big decisions you should make before filing paperwork so you feel prepared instead of overwhelmed.

This is real, compassionate guidance for women and families who want to do divorce differently — calmer, smarter, and with less damage.

Because midlife isn’t your crisis… it’s your comeback.

Timestamps:

(00:00) Welcome + why divorce feels so heavy

(02:10) Why Lesa returned to mediation after stepping away

(04:05) What a divorce mediator actually does (and how it’s different from attorneys)

(06:30) Reason #1: Mediation saves time

(08:12) Reason #2: Mediation saves money

(09:45) Reason #3: Mediation protects your peace and dignity

(12:20) The 3 decisions to make before starting divorce

(13:00) Dividing assets: homes, 401(k)s, pensions explained

(18:40) Maintenance/spousal support basics

(22:15) Child support + parenting plans

(25:30) Why mediation is critical for co-parenting

(28:10) Parenting plan course + free masterclass

(30:00) Encouragement for high-conflict or difficult co-parenting situations

(32:20) Final thoughts: doing divorce with dignity + where to get help

Key Takeaways:

• Divorce mediation helps you avoid costly court battles

• You can save thousands of dollars by reaching agreements together

• Calm communication leads to better long-term co-parenting

• Decide finances, income/maintenance, and parenting plans early

• Divorce doesn’t have to be a war — it can be handled with dignity

Guest Bio:

Lesa Koski is an attorney, divorce mediator, life coach, and host of Doing Divorce Different. With decades of legal and mediation experience, she helps women and families navigate divorce with clarity, confidence, and compassion. Her mission is simple: help people protect their peace, their finances, and their kids while creating a healthier next chapter.

Resource Links:

🌿 Work with Lesa (mediation + coaching): https://lesakoski.com

DIY Parenting Plan Course

Find More From Lesa Here!

Sign up for my newsletter https://enchanting-basil-714.myflodesk.com/qwzridafyj

Tags/Keywords:

divorce mediation, divorce help, divorce process, divorce support for women, co parenting tips, mediation vs divorce lawyer, peaceful divorce, divorce coaching, family mediation, child custody help, midlife transitions, women over 40 divorce, divorce advice, divorce podcast, how to divorce peacefully


Transcripts

Speaker:

Welcome listeners.

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I am thankful that you're here,

and I'm sorry if you're going

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through something hard like divorce.

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I hate it for you too.

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But I wanna help you get through

the process easier, and this podcast

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today is going to go through three

reasons why you need a really good

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mediator when you're divorcing.

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I wanna give you those three reasons,

and then I'm going to give you three

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things you need to decide while

you're going through a divorce.

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And if you can get ahead of 'em

and do it before you even start

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the paperwork, you're gonna, you're

gonna feel amazing, which is.

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What I want for you.

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So, and, and here's a little thing.

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If you don't have kids, um, there's

two things that apply to you that

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you need to think through before

you start thinking about divorce.

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So I just want to prepare you,

I want to help you feel, um.

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I wanna help you feel, I mean, we

don't really control anything, right?

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We kind of surrender it, but we

can control our mindset and there

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are some things we can control.

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So you can control the process

on how you work through this, and

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this is what I want you to know.

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I have been a divorce mediator.

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I am an attorney, um,

for many, many years.

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And I stepped away for a little while

and I've come back full circle even.

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And honestly, I stepped

away because I hate divorce.

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I hate what it does to families.

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I, I, I just don't want people

to have to go through it.

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But then I went, ah.

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My oncologist hates

cancer and she helped me.

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She helped me walk through it beautifully.

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She was, helped me cure it.

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So, um, when I thought through that, I

was like, oh my gosh, I need to be back

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here for my people going through a divorce

because I'm sure you don't like it either.

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And this is the thing when we go through

hard things, please don't forget.

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There are lessons in it.

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Use it.

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Use it as a growth and use

it to make your life better.

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So, okay, now I'm gonna talk

about mediation and the benefits.

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So a divorce mediator is different than

an attorney because they're gonna give

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you legal information and they're going

to be someone who is just got a natural

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ability to help you come to agreements.

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So, um, that process.

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Is, I think it's so amazing and

this is what why it helps you.

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It no matter where you are in the divorce

cycle, it's gonna save you time and

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this is why the two of you sit down with

a person and converse back and forth.

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There isn't like a middleman that

you're paying, which is another thing.

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You're gonna save money if you

can come to agreements together

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yourselves working with the mediator.

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And then even if you have attorneys, even

if you're in a high conflict divorce,

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you can bring that agreement back and

say, this is what we've agreed on.

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Um, so it's gonna save you time and money.

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And I know that those are big things.

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Those are big things for people,

especially when you're going

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through something like this.

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You don't wanna spend a bajillion

dollars, you gotta figure out how you're

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gonna live the rest of your life, right?

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So it saves you that, I think this

is the most important thing it does.

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It saves you, it gives you peace.

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I guess it's, it's saving you from going

through way more stress than you need

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to because when you have a high quality

mediator, now I'm also a life coach,

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so I know all kinds of tricks to help

you use your brain well, to help you

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calm down and to help you communicate.

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Better.

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That's someone that you want working for

you with you to help you through this

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process because it's hard enough folks,

it's hard enough to go through this if

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you can have a little bit of peace, and

I am telling you when you can sit down.

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Someone, and it's hard.

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There's love, there's hate,

there's all kinds of feelings.

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But if you have someone there that

can help you process through that and

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pick up on what the real true message

is from the other person, and it kind

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of helps the two of you communicate.

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And here's the thing

that's crazy about it.

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Couples who can communicate

well through their divorce

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end up going on through life.

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Now this isn't a scientific study.

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This is what I've heard, being better

equipped to communicate in the future,

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which leads to better relationships

because we do know how you end.

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One thing is how you start ano

another that I am a believer in that.

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And if you can do this, you know,

divorce with dignity and um, be

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kind to the other person looking

at the key things that matter.

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That's gonna make all the difference.

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So high love mediation, done the

right way, done the right way.

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Sometimes I don't like mediation,

and I'm gonna be honest, sometimes

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I don't like it when it's.

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Court ordered and the mediator says I

have a minimum of four hours, and the

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attorneys are involved and it's kind

of like a court case all over again.

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That's harder.

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It can work.

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And I get in there and I

help people make it work.

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But I'm just saying really research

your mediator because they are

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so important in this process.

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And if you need me, just

go to lisa koski.com.

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I'm here.

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I can help you no matter where you are.

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Um.

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Through the process, so that's why.

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That's why those are the three reasons.

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Mediation is so important

during a divorce.

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It is going to make you have dignity.

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It's going to help you keep your dignity.

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It is going to save you time,

and it is going to save you

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money to come up with the plans.

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I'm gonna just, I know this is really

quick and I promise I'm gonna connect

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other episodes that I've done that can go

into more specifics, like I have one that

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specifically covers fossil maintenance.

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I'll include that in my show notes

so you can go back and listen

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because this is kind of quick.

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But these are the three things you

need to decide before you get divorced.

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Okay?

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These are the things you need

to come to an agreement on.

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Big one, your finances, right?

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Here's the thing that everybody

forgets, and I wish that everybody

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knew who was getting married.

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And make sure you tell people

who are getting married.

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Tell your kids, tell your grandkids,

your nieces, your nephews, whoever.

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In a nice way.

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Marriage is a beautiful thing and it's a

partnership and the state that you're in

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is part of your marriage because you are

now entering a legally binding agreement.

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I, you know, I'm a.

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A lover of Jesus.

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And so I know that my commitment

is through, through my God as

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well, but the state's involved too.

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And so now you're bringing

your two lives together and

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you now, it's like a business.

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Everything you own, you own together.

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And people often come to me and they

say, my 401k and my, you know, and

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they're both saying, well, I'll keep mine

and I'll keep mine, just so you know.

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I get what you're saying because

it's coming from your company,

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but according to the law.

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You share.

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You share everything.

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So the 401k belongs to both of you.

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Now, I'm not going to say that there isn't

something called pre-marital property and

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we can, I'll go into that a little bit.

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That is just something that you had

prior to the marriage that you've kept

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separate out of the marriage or a gift or

inheritance that was just to you alone.

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Those you can call.

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Mari property, you, you need to talk

through it and agree on it because when

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you do your divorce, everything's on

the spreadsheet, everything you own.

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On that spreadsheet and it's stating

who it's going to most states

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like you to do it pretty equally.

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When we work through mediation, we

usually do it equally, but I'm telling

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you, I've had some oddball cases that

have gone through the court system,

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and one in particular that comes to

mind was there was a, a lovely couple

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and um, the woman had a huge 401k and

the husband said, I don't want it.

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I don't want it.

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And I got to the why of

why he didn't want it.

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Very interesting.

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He didn't want it because he loved his

work and he knew he would never be done.

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And he, he didn't think he

had a long life expectancy.

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It was his choice.

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He understood that he had a right

to all of that, but he made the

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decision that he didn't want it.

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And they both put that in

their, um, agreement in.

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That went to the court

and um, it went through.

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So crazier things have

happened, but in general.

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And if you're gonna fight about

it, we want it to be pretty equal.

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And that can be so tricky.

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I mean, when there's pensions

involved, it's not just the

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value that's on the paper.

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You're gonna need to have someone help you

find the marital value of that pension.

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So, and I'm telling you, if you

have more questions, please sign

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up for my newsletter or just

contact me and, and reach out.

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Um, and I'll try to steer you to

some resources that I have so.

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If you are like just starting this

out and you're like terrified because

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you're not the person who's taking

care of the finances, there is no shame

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in that female or male or whatever.

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There's no shame.

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There's no shame in not knowing the

finances because usually there is one

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person that takes care of the finances.

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This is what I want you to start doing.

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Start paying attention to things

that are coming in the mail.

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Like are there credit cards?

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Just look at what do we,

what do we all have here?

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Start looking at things coming

in and start researching.

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If you are concerned, someone's

hiding finances, there are

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people that can help you.

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But in general, with the

lovely people that I work

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with, they work together, they.

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Share their finances and get

a good understanding of, okay,

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how are we gonna divide this up?

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I have to throw in here that house.

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Ooh, the house is so hard right now.

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Um, and it has been for a while.

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I think ever since, remember, we had

the woo, really low drop in those

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interest rates, and everybody jumped

in there and, and bought a house.

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And now it's hard for families

a lot of the time because they.

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Wanna stay in the house, but often

when you, when you get divorced,

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there are exceptions that you can

reach out to me and I can connect

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you to people that can help you find

the exception of trying to figure

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out if you can assume your mortgage.

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But if you can't, you divide that

out and then you have to have a

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higher interest rate and then you

no longer can afford the house.

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So.

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Sometimes attorneys don't look down

all these avenues that someone like me

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would help you look through, because you

gotta make sure that you're addressing

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all of this because he Sometimes I

just learned, I had a good friend who

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does divorce mortgages, Tammy Wall

and Sachs said sometimes attorneys

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can put an agreement in the decree.

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That the spouse will assume the

mortgage within a certain amount of

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time, and then because of the divorce

and the amount the finances change,

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they won't assume the mortgage.

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They won't allow the assumption anymore

because you didn't meet that criteria.

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So you wanna make sure you

get a team here helping you.

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Um, you know, figure all of this out and

I do want you to know that in addition

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to mediation, I do do divorce coaching.

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Um, so I can help you in that area as

well to help you get your team in place.

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Um.

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I'm not a therapist who wants to like

hold, you know, have you keep coming back.

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I wanna give you the tools to get moving

so that you can be prepared for this.

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So that's how, that's

how I work when I coach.

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So, um, so just remember that

home is gonna be a big one and

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there's a lot of factors involved.

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I know, I, I, I don't want

you to feel scared about that.

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I want you to know you

can connect with me.

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There's even a little ebook on my website

that had, that Tammy and I wrote, and

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there's a lot of information about home

mortgages and her, you can connect with

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her if you have questions about that.

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'cause I know that is one of

the most important things.

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A lot of times, especially when

you have kids, people get all.

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Worked up about the house and

sometimes people own it together

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until the kids graduate.

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That is, that can be an agreement

that we come to in a mediation that's

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called Thinking Outside of the Box.

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When you have a great mediator, she helps

the two of you find all your options.

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It's so, it's such an

amazing, beautiful process.

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So.

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Finances.

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Another piece that's a little

bit different than the finance

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piece is maintenance, because

when I talked about finances, I'm

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talking about your assets, right?

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So maybe I should have said assets

is one section under finances, and

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then another one is maintenance.

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Maintenance is based on your income, okay?

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And it is dependent upon

the laws in your state.

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When we work through mediation,

what we generally do is we look at.

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Each person's income, and then we look

at expenses and we look at what are

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their future expenses going to be.

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We have to kind of.

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Do our very due diligence

to do a good guess.

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And I, I have a great worksheet that

will help you, you know, figure out

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what those expenses are so you don't

miss something and so that you know, oh

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yeah, I'm gonna need to have garbage at

the new place, or, or whatever that is.

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So then we, we look at these numbers

and we go, okay, wife has, um, or

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spouse, you know, spouse A has, um.

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This income and these expenses and spouse

B has this income and these expenses,

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and we look and we go, if they can both

kind of afford it, it's kind of an easy

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option and you, you can leave it at that.

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If it's looking like, Ugh, this one person

doesn't quite have enough to cover it.

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And then you look at, okay,

what does spouse A have?

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Over what they need, um, where

they could maybe help out.

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And this is what I want you to know.

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If you're in a long-term marriage, you

can, you know, often get maintenance

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for a longer period of time.

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Um, if you're short-term marriage,

which would be like 10 years or less.

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And there you can talk

through this in your mediation

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agreement however you want to.

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But in general, that is how it works.

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If it's short term, usually

what the court likes to see.

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Is for you to get that maintenance and

to have a plan like, okay, I'm going to.

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I'm going to go to a little

more school because then I can

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get paid a little bit more.

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So during this period, while I'm getting

this spousal maintenance, this is what

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I'm doing so that I can better myself.

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So I won't need to be to depend on

this person's, or maybe it's even that.

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Okay.

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The, the kids will be in school until.

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This date, so I can't work more because

they're taking up so much of my time

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or I can't go to school right now.

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So then you maybe are

gonna cover it until then.

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There's so much to this I know,

and everybody is so unique and I

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am telling you I've seen it all

and I'm sure I'm gonna see more so.

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Um, maintenance is another thing that

needs to be looked at, which is income.

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Okay?

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So you're gonna look at your assets, and

then you're gonna look at your incomes,

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which includes looking at your expenses.

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If you have kiddos, child support plays a

role and most states have a child support

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calculator that you can just put your

information in and it'll pop out a number.

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So, um, child support is different than

maintenance and doesn't really count in

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the equation because it's for your kiddos.

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So if you have kids, that's another

piece in that finance pool that

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you're going to need to look at.

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When you have children, I cannot say

enough how important mediation is because

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the two of you will be connected for

the rest of your lives because your

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kids are gonna get married, they're

gonna have babies, and if you can

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do this right and not argue and um.

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Show your children that you love them.

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What we have found, and there are studies

that show this, is that when kiddos have

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two parents involved in their lives.

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It's the most beneficial thing and the

divorce has less of an impact on them.

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This is what I want you to know.

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I have a free masterclass that

talks about how to co-parent better.

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I also have, I think

it's, it's so reasonable.

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It's under a hundred dollars and

it is, I think it might be 47, but

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I don't wanna say that on the air.

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'cause I could change it in the future.

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And I don't know when you're listening

to this, but I'm telling you.

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It's worth a thousand dollars or more

because it is a complete parenting plan.

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When you go through a divorce, you

have to come up with a parenting plan.

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You can do it online together with

me, and I will walk you through

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things you're not thinking of.

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You know, when you get a little babies,

you're not thinking about, oh, what about

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when they get their driver's license?

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Right?

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So I walk you through.

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Everything.

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And then like I said, there's that free

masterclass that you can just go listen

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to see if you like that information.

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It's a course that I did

that's evergreen on my website.

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Go there and um, get tips on

how to work well together when

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you get my parenting plan.

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I also have Ellen Bruno is a,

uh, film producer who did two

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documentaries on children and divorce.

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Oh my gosh, you guys, they're so good.

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They're gonna tell you what

you need to know, so, and you

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can have your kids watch it.

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I would ask you to watch it first.

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I have rights to 'em.

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And you get those rights to those films.

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If you sign up for that parenting

plan course, I'm telling you.

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It's amazing.

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So she has these young children that

she does the documentary on and tells a

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story about what they're going through.

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Why that can be helpful for your

child if they're of the right age.

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And you as the parent think it's

a good idea, is they can see, oh,

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there are other people going through

this and seeing how they're handling

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it, how other kids are handling it.

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This is a thing that I find so amazing

because I've known her this long.

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So then 10 years after that one,

she came out with another one.

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She went back to those same kids

10 years later and you could

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really see the impact divorce had.

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And I am telling you, there was one cute

little boy who grew up and he did so well.

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And it was because his parents

came together and helped him.

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Um, feel loved.

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He felt loved, and he did not

see them arguing about them.

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Um, and there's lots of ways we can

help you not argue in front of the kids.

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I'm telling you, take that

parenting plan course.

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It is amazing.

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Um, and I'm here for you if you need help.

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Um, and then, then I just feel

like I, in the back of my mind I'm

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thinking, okay, what about that parent

who's doesn't have another parent?

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Or what about that parent who's ex

or soon to be ex is an asshole or

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:

a narcissist, or whatever it is?

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This is what I want you to know, your kid.

345

:

Is going to do well by seeing you do well.

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:

So take care of yourself, function

and that you know, that means

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:

like get your mindset right.

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Show that child how to live a better

way because the rules are gonna

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:

be different at the other house.

350

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And if the child comes to your

house and you structure it the

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:

way you know how to parent.

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:

The right way.

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You know how to talk politely to

the other parent that is going.

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:

To be enough for your child.

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I don't want you to be afraid.

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When I said, oh, when two parents,

yeah, that's best if you have two

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:

functioning people, um, of course

you're gonna parent different,

358

:

but that's the best for the kids.

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But we know we don't all get that, right.

360

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That's why we hate this stuff sometimes.

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But that doesn't mean that your

child isn't gonna do amazing because.

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:

They get to experience something

and really build resilience to

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:

prepare them for this world.

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So just remember that because that those,

that the kiddo piece is a tough one and

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um, lots of my clients are so afraid of

that, but this is what your kids need.

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:

They need you to be.

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Functioning, have your mindset

right, take care of yourself.

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:

And if you're in a bad marriage or there's

verbal abuse or whatever there is, that

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:

isn't going to be better for your kid.

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I know a lot of people stay

together for the children.

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Um, and I believe in marriage.

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:

I've been married 34 years, however.

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You just, this is between you and God

above and you know the decision that

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you need to do, and he is gonna walk

with you and I wanna walk with you

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and help you in any way that I can.

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I am here.

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Go to lisa koski.com

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:

and expect more of these.

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I'm going to do my best to keep

sending out more information so

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this can be less scary and people

can start doing this a better way.

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'cause it is, I feel like

it's the only way to do it.

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Alright.

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Thanks so much for being here.

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Take good care.

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