Brian McNamara tells every client that the biggest factor in the cost of a divorce is the personalities of the people involved. One couple can agree with what to do with a million dollar house in a single negotiation, while another couple might argue for a year about a $100,000 house. The earlier an agreement is reached, the less the divorce will cost. Gathering information about the couple’s finances can also take time and incur substantial legal fees. The more financial data about your household that you can put together before starting the process, the more money you will save.