Chapter 1 of 2
The Hidden Account
Henry models the financial impact of disclosure vs. continued secrecy. He runs three scenarios: reveal now and rebuild trust, maintain status quo, and model a separation. The numbers are clarifying — and not in the direction he expected.
Key Insight
In a separation scenario, Henry's $45k hidden account represents less than 5% of combined assets — but the legal and emotional costs of a contested divorce could exceed $80k. Transparency now is the dominant financial strategy.
Model This Scenario