Divorce is difficult but it's even harder when a spouse has stashed away some money. The first best place to look is in a tax return. Start with Schedule B, where dividends, interest, capital gains and losses are matched with known investments. When the math doesn't add up, it's a red flag that there might be a secret account. Another clue is when a departing spouse overpays a credit card with the intent of applying for a refund after the divorce is final. Outsmart your ex by reviewing all credit card statements. Beware of phony bill collectors as some wives and husbands create fake loans with relatives and friends to drain money out of joint bank accounts. All is fair in love and war, and that means kids are not off limits.

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