Financial Analysis
4 articles
Alimony Buyout vs. Monthly Payments With Mortgage Rates Above 7% and Bond Yields Surging: The Present-Value Math on a $3,500/Month Order
A $3,500/month alimony order over 8 years is worth about $287,000 at a 4% discount rate and $248,000 at 8%. See how 7%+ mortgage rates, bond losses, and state duration rules change whether a lump-sum offer is fair.
Read more →Alimony Lump Sum vs. Monthly Payments After the Fed's Rate Hike to 4%: The Present-Value Math on a $200,000 Settlement
The Fed's September 2026 rate hike to a 3.75%-4% target range changes the present-value math on every alimony buyout offer on the table — here's how to recalculate before you accept a lump sum or a monthly stream.
Read more →Lump-Sum Alimony Buyout vs. Monthly Payments: The After-Tax CD Math on a $240,000 Settlement
A $240,000 lump-sum alimony buyout and $4,000/month for five years look identical on paper — but after-tax savings math, modification risk, and your personal savings rate can create a $20K+ gap. Here's how to model it before you sign.
Read more →Alimony for 7 Years vs. a $185K Lump Sum: The Present Value Calculation Most Divorce Settlements Skip
Your spouse offered monthly alimony or a one-time lump sum. Before you decide, run the present value math — because the 'bigger' number on paper can easily be worth $40K less in your pocket.
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