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"Keep in mind that many consequences of divorcing later in life revolve around one fact: less time to recover financially, recoup losses, retire debt and ride the waves of booms and busts," says Janice Green, an Austin, Texas, family law attorney and author of Divorce After 50.More than half of all workers or their spouses have less than ,000 in household savings and investments, according to the 2011 Retirement Confidence Survey, published by the nonpartisan Employee Benefit Research Institute.Women also still earn less than men and have a longer life expectancy, which puts them at greater economic risk."Once women wind up older and alone, whether it's widowed, divorced or never married, they're at a fairly high rate of poverty, on average 20 percent," says Heidi Hartmann, president of the Institute for Women's Policy Research.

"Yes, I'm still me, and yes, I'm a mother, and yes, I'm a singer and a songwriter," she said.Former spouses often step in, mainly to spare their children, or because no one else can, says Cooney.

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