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Being a newly married couple involves adjusting to life as husband and wife, reminiscing about your nuptials, and sorting through what presents to keep and which to return—rarely does it involve preparing for the relationship to end. The sad reality, though, is that the lifespan of a marriage can be shorter than that of the loan taken out for a young couple's new house.

As the child of a divorced family, I got to see first-hand how lawyer bills stack up and how a woman's scorn can lead to a man sleeping in a car without money, food or change of clothes. With this memory in mind, I prepared myself for the unfortunate event that my wife and I would split. Little did I know that my earnest preparation would become fuel for the flame of an almost-divorce.
It all came out during tax season.

I had put money away slowly in a separate account just in case things didn't work out with my wife. By cashing a portion of my paychecks, I was able create small reserve and still keep some for myself for casual spending. (A few days a week at the driving range can add up pretty quick even if you're only hitting a bucket or two of balls.) Saving twenty dollars here and fifty dollars there, I quickly built up a nest egg that needed to be accounted for while filing my taxes.

My wife knew I kept a little cash in my wallet. There was no surprise there. It was when she looked over our tax return that she became suspicious. The amount of money I made and the amount I brought home didn't add up. When she approached me, I had no choice but to tell her the truth.

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