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Old 10-03-2017, 03:02 PM
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Rioe Rioe is offline
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Join Date: May 2010
Location: Ontario
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What this guy needs is to convince his ex (or a judge) to move to the half-offset system.

See these posts of mine for my thoughts on half-offset:

So in his case, he has somehow convinced her he makes $144k a year, and his ex seems to be imputed to $60k or so. At first her income is a mix of imputation and SS, stepping up to more imputation after 6 years, from the sound of it.

So for now, they calculate his CS based on $144k and hers on $60k. Assume two kids in Ontario for example purposes.

His CS is $1943 and hers is $892. Offset would be $1051 so half would be $525. Add to the $3121 SS he's paying her, he pays $3626 per month in year 1.

In year three, it look like he anticipates an income of $300k, while hers would still be imputed to $60k. He's paying less SS by this point, and she's expected to be making up the difference with her own employment.

His CS is now $3722 and hers is still $892. Offset is $2830 and half is $1415. Add to the $2274 of SS he's paying her by then (I just took the midpoint of the starting $3121 year1 and the ending $1427 year6 he mentioned) and he pays her $3689. It's still around the same as year 1, but it's starting to be less SS and more CS at this point. His increased income makes the CS overtake the set SS.

Now year 6. He anticipates his income to be steady at $300k and she's still imputed to $60k, if not making more by then.

His CS remains $3722 and hers remains $892. Offset is still $2830 and half is $1415. But now he's only paying her $1427 in SS, for a total of $2842.

What happens in year 7, we don't know. But one hopes that SS goes away completely, as six years of it is plenty and then some, for a ten-year marriage. In six years she could graduate university in a good program and find a great job and be established in it by then.

So year 7 and beyond. He anticipates his income to be steady at $300k and she's still imputed to $60k, or making more if she's been sensible.

His CS remains $3722 and hers remains $892. Offset is still $2830 and half is $1415. But he's no longer paying SS at all, so $1415 is a very fair amount for CS for a 50-50 access regime between two parents of those incomes. They are BOTH supporting the children in proportion to their incomes and the access.

50-50 access is one of the regimes that makes imputing an income essential. Otherwise if one parent is wealthy and the other one chooses not to work, CS is affected and becomes just SS in disguise.

However, all that math fun aside, if he's paying her $5100 in support this year, I can see why he thinks it's excessive, because it is. I do not understand where that number comes from. And I can understand his concern when the annual adjustment happens and he has to use his true $200k+ income for the CS calculation, because it must feel like the $5100 is going to increase instead of going down.

Post-marriage though, barring unusual circumstances, both people should be expected to be financially self-sufficient, and CS should not be used to make up the difference if one person chooses to be unemployed.

Last edited by Rioe; 10-03-2017 at 03:07 PM. Reason: added more links
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