It’s really case specific. If there aren’t assets to split up, then you’ll find yourself gunning for alimony and child support. There are a number of arguments for taking lump sum alimony:

1. It’s done. You don’t have to deal with your ex each month.
2. If you move in with someone or remarry it can’t be taken away
3. It’s cash upfront during a tough transition when you are adjusting to new spending
4. It can go away with job changes, so this is a sure thing

But there is a downside too: Typically cash upfront comes at a discounted rate. You could try and get two years of lump sum alimony given the expenses of the transition. Everything is negotiable.

Make sure that whoever is paying is insured in case of job loss, disability or death (life policy on the alimony payer with you as the beneficiary). If you are getting monthly payments and you start dating or remarry, you run the risk of an adjustment to your payout. Lump sum is one and done.

http://financialdivorceplan.com/