Gray divorce — divorce occurring after age 50 — is steadily increasing across Minnesota and the rest of the country. While divorce rates for younger couples have declined, late-life divorce has more than doubled in the past two decades. For many Minnesotans, this trend can feel surprising, especially for long-married couples who appear outwardly stable. But the reality is that life after 50 brings new perspectives, new priorities, and often, a desire for a more fulfilling next chapter.
In this first post of our six-part Gray Divorce in Minnesota series, we explore the reasons behind this growing trend — and what it means for your emotional and financial future as you consider this transition.
With longer life expectancies, individuals may look ahead and realize they could have 20–30 more years of retirement. This often prompts reflection about lifestyle, well-being, and long-term happiness. Many couples discover their goals have shifted in different directions.
Women and men over 50 today often have stronger careers, established savings, and retirement accounts. That independence makes it more realistic for both partners to pursue divorce without the financial barriers that kept past generations together.
Once children are grown, couples may confront long-standing disconnects that were masked by busy family life. This stage often brings clarity about what each person wants for the next phase of life.
Minnesotans in blended families or second marriages frequently face additional complexities — including step-parenting boundaries, financial entanglements, and loyalty concerns — which can strain relationships.
Many individuals over 50 feel a renewed desire for joy, purpose, and emotional alignment. They may no longer feel willing to remain in an unfulfilling partnership.
Gray divorce carries unique financial considerations involving retirement, pension decisions, Social Security rules, healthcare, real estate choices, and long-term planning. Because there is less time to rebuild financially, clear guidance and informed decision-making are essential.
Mediation offers a respectful, cost-effective path for Minnesota couples navigating gray divorce. With Divorce Smart, you receive both compassionate mediation and neutral CDFA® financial insight — giving you clarity and confidence in every decision.
Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.
