Divorce is hard and it’s expensive. You want to save money. You want (and need!) answers quickly. Everyone tells you to use AI. When you feel overwhelmed, it is tempting to type a question into a chatbot and hope for a quick, clear answer.
But using AI to guide your divorce is a mistake.
I know it sounds like a time-saver. I know it feels like it might be cheaper than hiring an attorney or a financial expert. Every time you ask your attorney a question, it costs you money, and AI seems like a great way to save. But the truth is, AI is not built to understand the messy, personal, deeply human process that divorce really is.
It can be a good starting point to get some ideas. But you can’t rely on it for advice on how to respond to your ex, whether you should keep the house, or what to include in your settlement agreement.
Let’s talk about why it is not a good idea to rely too heavily on AI to assist you with your divorce.
1. AI doesn’t know YOUR situation
AI can only give answers based on patterns in the data it has been trained on. It doesn’t know you. It doesn’t know your history, your financial situation, or the power dynamics in your relationship. It doesn’t know if your spouse is emotionally abusive. It doesn’t know what you are afraid of or what matters most to you.
And it certainly does not know your ex.
So when you ask it what to say to your ex, or how to respond to a legal threat, you are getting a generic response that has nothing to do with the real-life person you are dealing with. That can backfire quickly.
2. AI is not a lawyer or financial expert
No matter how smart it sounds, AI did not go to law school. It is not licensed to practice law. It does not understand your state’s divorce laws, and it cannot give legal advice. It also is not a financial expert. It cannot review your tax returns, your account balances, or your settlement offer and tell you whether it makes sense. It can’t identify things that look “off” in the financials and advise you to dig into the bank statements more.
AI gives surface-level answers. It does not understand the law. It does not apply critical thinking. It does not ask follow-up questions to make sure you are truly protected.
3. Divorce is about more than just the facts
AI is built to deliver information. That works fine when you are asking about weather, history, or how to cook chicken. But divorce is not just about information. It is about emotion, conflict, timing, fear, and strategy. It is about negotiation. It is about how your spouse will respond to what you do next.
Your divorce will not be settled by facts alone. It will be shaped by your attorney’s strategy, your ex’s behavior, your financial documents, your emotional state, your parenting needs, and the mindset you bring to the table.
AI does not understand emotional triggers. It does not know how scared you are to lose time with your kids. It cannot walk you through a tough conversation with your lawyer. It does not care about your peace of mind. It is just spitting out words.
4. AI can be wrong, and you might not know it
One of the biggest problems with AI is that it often sound very confident. It will answer your question in a way that looks and feels legit. But a lot of the time, it is just making it up. It is guessing. And you may not be able to tell the difference.
I have seen AI give completely false answers about divorce laws. I have seen it list rules that do not exist. I have seen it leave out critical steps that could seriously hurt someone in a divorce. I have seen it give answers that differ, based on which side of the case is asking. You do not want to base major financial or legal decisions on something that may or may not be true.
5. Real support beats robot advice every time
There is no substitute for human judgment. When you are making life-altering decisions about your finances, your home, your kids, and your future, you need real support.
That might mean working with a divorce attorney. It might mean finding a therapist to help you process the emotional weight of everything. It might mean using a divorce financial coach (like me) to help you get clear on your money and protect your financial future.
Yes, AI can be a tool. It can help you understand general concepts. It can explain what a QDRO is or define community property. But it cannot replace expert advice. It cannot guide you through a settlement. It cannot help you negotiate, plan, or advocate for yourself in a courtroom.
Your divorce deserves more than a robot. You are going through one of the hardest transitions of your life. You deserve real support. You deserve advice that is personal, accurate, and based on your situation.
So please do not ask AI what to say to your ex. Do not trust it to tell you what your settlement should include. Do not assume it understands what you are going through.
Instead, get help from people who do.
If you want expert guidance on how to handle the financial side of your divorce, I am here to help. Whether you are just starting or you are already deep in the process, I have tools, checklists, and step-by-step guidance that will actually protect you.
Let’s not leave your future in the hands of a chatbot. You are worth more than that.
