When a marriage that has spanned decades ends, the financial tangle can feel like a knot you tied blindfolded. The Joint Account is not a guide to winning or punishing—it is a clear-eyed companion for separating money after forty years of shared life. Drawing on real financial and legal realities, Winifred Ashcombe Vellacott walks you through every strand: from the practical—locating old pensions, dividing a house you bought together when interest rates hit double digits—to the emotional currents that make every decision heavier. You will learn how to value a career that took a back seat to family, how to talk about money when trust is frayed, and how to build a post-divorce financial life that is honest and survivable. This is not a battle plan; it is a path through the fog. Whether you are just starting to consider separation or are deep in negotiations, this book gives you the questions to ask, the documents to gather, and the calm to keep your sights on the future. Part of The Later-Life Divorce Library.