here. according to divorce financial planners, you need to prepared a net worth statement, net worth assessment right away. you need to figure out who is going to pay for health care. this is something that divorce financial planners is really important right now. a lot of couples are trying to figure out who is going to handle health care costs until health care reform is -- there's an open market to go buy health care on. in case one spouse loses a job, incredibly important. and according to divorce financial planner, think not only five years ahead but 10 and 20 years. a lot of people are going back from a few years ago and realize a lot has changed. so think ahead. make sure you know if your spouse, your ex-spouse loses a job, are you depending on that person for health care? or 401(k) or a pension or future benefits? you've got to really plan far ahead. >> it's depressing to think about. >> it is, it is. and because it is depressing, i want to bring other advice about people who are married today and