Quick Answer: What is the Sunk Cost Fallacy in Divorce? The “Sunk Cost Fallacy” is the psychological trap of staying in an unhappy marriage solely because of the time, money, or emotion you have already “invested.” In reality, these are sunk costs—they are gone and cannot be recovered. Staying longer does not “save” the past 17 years; it only spends the next 20 years of your future.
 | Have you ever caught yourself thinking, “I’ve invested so many years in this marriage, I can’t just walk away now”? If so, you’ve encountered what economists and psychologists call the “sunk cost fallacy”—a powerful psychological trap that can keep you locked in unhappy situations far longer than necessary. |
As a divorce coach, I’ve witnessed countless clients struggle with this exact challenge. Today, I want to shed light on how this common thinking error affects decisions about whether to end a marriage, and provide practical guidance on how to overcome it.
Understanding the Hidden Psychology That Keeps You Stuck
Have you ever caught yourself thinking, “I’ve invested so many years in this marriage, I can’t just walk away now”?
If so, you’ve encountered what economists and psychologists call the Sunk Cost Fallacy—a powerful mental trap that keeps you locked in unhappy situations far longer than necessary.
As a Divorce Coach, I witness countless clients struggle with this. Today, we are going to look at the math behind why leaving is often the smarter investment.
What Is the Sunk Cost Fallacy and Why Does It Matter in Divorce?
 | The sunk cost fallacy occurs when we continue a behavior or endeavor because of previously invested resources (time, money, or effort)—even when continuing doesn’t make sense. These past investments are “sunk costs”—they cannot be recovered regardless of future actions. In rational decision-making, only future costs and benefits should influence our choices. Yet our human psychology resists this logic. We feel compelled to “get our money’s worth” or “make all those years count for something” by continuing down the same path, even when it’s clearly not working. |
How Common Is This Mental Trap in Divorce Situations?
Very common. Research suggests that the average person contemplating divorce considers it for 2-3 years before taking action. Many stay unhappily married for 5+ years before finally making the decision. The sunk cost fallacy is frequently at the heart of this delay.
The “Marriage Time” Investment Trap
“I’ve given this marriage 17 years—I can’t just throw that away.”
“Jane” (name changed) came to me after 17 years of marriage. She had been unhappy for a decade but felt that leaving would mean those 17 years were a “waste.”
This perspective is understandable, but it is mathematically flawed.
The Reality Check: Those 17 years are gone. You cannot get them back, whether you stay or leave.
- Scenario A (Stay): You stay for another 20 years. Result: 37 years in an unhappy relationship.
- Scenario B (Leave): You leave now. Result: 17 years in an unhappy relationship, followed by 20 years of freedom and potential happiness.
The Question: Which future do you want to invest in? The debt of the past, or the potential of the future?
Reframing Your Marriage Investment: Lessons vs. Losses
An essential step in overcoming the sunk cost fallacy is reframing how we view our past investments. Consider these perspectives:
- Your past years weren’t “wasted” – They contained experiences, growth, possibly children, and lessons that shaped who you are today.
- Each additional year in an unhappy marriage is its own decision – Every year you choose to stay is a fresh investment of your limited time.
- Future happiness doesn’t invalidate past choices – Moving toward happiness doesn’t mean your marriage was a mistake—it simply means circumstances and people have changed.
Why We Struggle with “Cutting Our Losses” in Marriage
Beyond the sunk cost fallacy, several factors make it particularly difficult to move on from unhappy marriages:
- Identity integration – Our marital status often becomes deeply woven into our identity
- Fear of judgment – Concerns about how others will view your “failed marriage”
- Financial entanglement – Practical worries about dividing assets and financial stability
- Parenting concerns – Anxiety about effects on children and co-parenting dynamics
- Fear of the unknown – Uncertainty about what life looks like post-divorce
Breaking Free: How to Overcome Marriage Sunk Costs
Focus on Future Value, Not Past Investment
The key question isn’t “How much have I already invested?” but rather “What will my future look like if I stay versus if I leave?”
Professional divorce coaches recommend these reflection exercises:
- The 10-year projection – Imagine yourself 10 years from now if you stay in your current situation. How do you feel? What opportunities have you missed?
- The opportunity cost calculation – What experiences, relationships, and personal growth are you sacrificing by remaining in an unhappy marriage?
- The happiness assessment – On a scale of 1-10, how happy are you now? What would it take to reach an 8 or 9 in your current marriage, and is that realistically achievable?
Signs the Sunk Cost Fallacy Is Keeping You in an Unhappy Marriage
- You frequently think about the “years invested” when considering divorce
- You tell yourself “it would all be wasted” if you left now
- You’re staying primarily to “make your investment worthwhile”
- You’re more focused on the past than on your future happiness
- You’re hoping things will improve but have no concrete reason to believe they will
How Divorce Coaching Can Help You Move Forward
Working with a divorce coach provides crucial support for moving past the sunk cost mentality:
- Emotional clarity – Sorting through complex feelings about your marriage investment
- Strategic planning – Breaking down the overwhelming divorce process into manageable steps
- Decision validation – Confirming that your reasoning is sound and not merely emotional
- Future focusing – Creating a vision for your post-divorce life that energizes rather than frightens you
- Practical guidance – Navigating the actual divorce process efficiently once you decide
As a divorce coach, I specialize in helping clients recognize when sunk cost thinking is keeping them stuck, and developing personalized strategies to move forward. My clients often express relief at finally having permission to consider their future happiness, rather than feeling chained to past decisions.
Investing in Your Future, Not Your Past
The sunk cost fallacy affects nearly everyone during major life transitions like divorce. Recognizing when past investments are influencing your decisions about the future is the first step toward making choices that truly serve your long-term happiness.
Remember that the goal isn’t to validate your past investments but to make the best choices for your future self. Your happiness matters, and it’s never too late to change direction when something isn’t working.
Your Divorce Journey Doesn’t Have to Be Defined by Past Investments
As a divorce coach, I specialize in helping clients break free from sunk cost thinking and make clear-headed decisions about their futures. My clients learn to:
- Recognize when sunk cost thinking is influencing their choices
- Evaluate their options based on future benefits rather than past investments
- Break down overwhelming transitions into manageable steps
- Find confidence in their decisions to move forward
Ready to Move Forward Without the Weight of Sunk Costs?
If you’re struggling with divorce decisions due to concerns about “wasted” investments in your marriage, I invite you to schedule a consultation. Together, we can explore strategies to overcome sunk cost thinking and create a path forward that focuses on your future well-being rather than past investments.
Remember: The best time to make a positive change in your life is when you first recognize the need. The second best time is now. Are you ready? Click this button to schedule a free consultation!
What is the Sunk Cost Fallacy in divorce?
It is the psychological trap of staying in a marriage solely because of the time, money, or emotion you have already “invested.” The fallacy is believing that staying longer will somehow “save” those past years. In reality, that time is gone; spending more time only costs you your future.
Does leaving a long marriage mean I wasted those years?
No. Your past years gave you growth, lessons, and perhaps children. They made you who you are. Leaving doesn’t erase that value; it simply acknowledges that the relationship is no longer a good investment for the next phase of your life.
How do I know if I am stuck in this trap?
Ask yourself: “If I met my spouse today, knowing what I know now, would I marry them?” If the answer is no, and the only reason you are staying is “history” or “time put in,” you are caught in the Sunk Cost Fallacy.
What is the “Opportunity Cost” of staying?
In economics, this is the value of what you lose by choosing one path over another. If you stay in an unhappy marriage for another 5 years, the “cost” is 5 years of peace, freedom, and potential happiness that you will never get back.
How can a Divorce Coach help me decide?
Friends give emotional advice; a coach gives strategic clarity. I help you separate fear from fact and run the “emotional math”—projecting what your life looks like in 10 years if you stay vs. if you leave—so you can decide with confidence.
Coming Soon: The Sunk Cost Fallacy Part 2 – When It’s Time to Change Your Divorce Attorney
In my next blog post, I’ll tackle another common sunk cost trap in the divorce process: staying with the wrong attorney because you’ve already invested thousands of dollars. I’ll share strategies for determining whether you need a new lawyer or just better communication, how to transition attorneys smoothly if needed, and how divorce coaching can support you through this challenging aspect of the divorce journey.
Don’t miss this crucial follow-up that could save you significant money, time, and stress during your divorce proceedings!
About the Author Katie VandenBerg is a CDC Certified Divorce Coach® specializing in strategic divorce planning in Central Illinois. She helps women build efficient, effective divorce teams that protect their finances and their peace, as seen in her client success stories.
