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← All ideas IDEA-098 6.2 us life-event-planner developed

One shared, printable record of every asset decision you and your spouse have already agreed on — so you stop re-litigating the same fights at the mediation table.

Problem

We're divorcing on amicable terms — using a mediator, not litigators. We've made dozens of asset-split decisions: 'you keep the car, I keep the 401k, we split the house equity 60/40 because you put down more.' These decisions live in scattered Google Docs, lawyer emails, and our own memory. By the time we get to mediation, we're re-litigating things we already agreed on because nobody wrote it down in one place. Post-divorce expense apps (Duo, ParentPayr) exist, but PRE-divorce asset documentation does not.

Audience

US couples in active mediation-track divorce, 0–6 months before signed agreement, low-conflict / non-adversarial. Typically 35–55, dual-income, mid-to-upper-middle class with $200K–$1.5M of jointly held assets (home equity, 401k, taxable brokerage, vehicles). Highly motivated to keep mediation costs down — every billable mediator hour is $250–$500 for them BOTH.

Reasoning

Source signals

  • SIG-20260426-us-life-event-planner-divorce-asset-split-decision-log — "After the split, every expense became a negotiation. … POST-divorce expense-splitting has 5+ apps already. PRE-divorce asset-split documentation does NOT — the decision log lives in Google Docs and lawyer emails."
  • SIG-20260426-us-life-event-planner-divorce-document-vault-court-ready — "Stop spending your weekends hunting through 47 text threads. Court orders, medical records, school forms — found in 3 seconds." (validates document-archive pain, but post-decree — different product, dropped this candidate)

What we ship

**Core features (MVP)**

  • Both-spouses-invited workspace: one pays $99 → invites second spouse (read/write) or mediator (read-only)
  • Asset inventory: add asset (home, vehicle, 401k, brokerage, jewelry, …) with category + acquisition date + owner-of-record
  • FMV estimate per asset: auto-suggestion (Zillow for home, Kelley Blue Book for vehicles) + manual override
  • Decision log per asset: "X keeps", "Y keeps", "split 50/50", "split 60/40 — reason: …" — with timestamp on each decision
  • One-page printable "Asset Split Agreement Draft — bring this to mediation"

**Primary user flow**

1. Landing — "Stop fighting at the mediation table about decisions you already made." ($99 one-time per couple)

2. One spouse pays Stripe Checkout → email-invite second spouse

3. Both add assets, agree on FMV, log decisions (mark "agreed by both" toggle)

4. Mediator-view share link (read-only) for professional mediation session

5. PDF export for signature on conclusion of mediation

**What it looks like**

  • **Landing**: hero "Mediation works. Re-litigation doesn't." + decision-log screenshot
  • **Main screen**: asset-list table + per-asset decision history + "Agreed by both" toggle + mediator-share button
  • **Output**: PDF "Asset Split Agreement Draft — Smith vs Smith (April 2026)" with signature lines

**MVP build plan (11 days)**

  • Day 1–2: Postgres schema (couples, assets, decisions, audit log), auth, Stripe
  • Day 3–4: invite-second-spouse flow + permission model
  • Day 5–7: asset entry forms + FMV-suggestion API (Zillow, KBB)
  • Day 8: decision-log UI + audit trail
  • Day 9: mediator share-link + PDF generator
  • Day 10: landing + email onboarding
  • Day 11: deploy + legal-disclaimer audit

Reasoning

The asset-split SIG is unambiguous: post-divorce expense splitting has 5+ apps; pre-divorce asset documentation has none. The decision log of "you keep the car, I keep the 401k" lives in Google Docs and lawyer emails. Classic white space — adjacent category (post-divorce co-parenting) is saturated; this earlier-stage gap is wide open. Mediators won't build it themselves: they bill per hour, so a couple-paid-tool that shortens mediation hours runs counter to mediator economics — natural structural moat. Stack fit is clean: workspace tool with two-spouse permissions, Zillow/KBB public APIs, no regulated content. The PDF is explicitly labeled "Draft for mediation — both spouses to review with their attorney." High-AOV ($99) × moderate volume = healthy unit economics, especially via mediator-network referral.

Quick competitive read

  • **Duo (Medium post)**: POST-divorce co-parenting expense split, not PRE.
  • **CoParentSplit, ParentPayr, Koparex, Parentlio**: all POST-divorce ongoing-expense focus.
  • **OurFamilyWizard, TalkingParents**: POST-divorce communication ($150–300/yr).
  • **Wevorce**: full divorce platform ($799+), premium not tool-level.
  • **DivorceMatch.io, Hello Divorce**: full DIY-divorce services, not just asset-decision logs.
  • **No direct competitor** on PRE-divorce asset-decision-log as standalone $99 tool. White space.

Initial pricing hypothesis

$99 one-time per couple (one pays, both invited). Optional $49 add-on "post-mediation finalization PDF" with lawyer-formatted signatures. ROI obvious: $99 saves ~1 mediation hour ($250–$500), 2.5–5× return.

Distribution hypothesis

Direct outreach to divorce-mediator networks (15–25% referral fee): Mediation.com directory, ACR (Association for Conflict Resolution), local mediator associations. Reddit r/Divorce and r/Mediation helpful posts. LinkedIn ads targeting "divorce mediator" titles. Programmatic SEO ("how to track asset division mediation", "amicable divorce checklist").

Source signals (2)

  • SIG-20260426-us-life-event-planner-divorce-document-vault-court-ready
  • SIG-20260426-us-life-event-planner-divorce-asset-split-decision-log