The Ghosts in Your Divorce with Nanette Murphy
What do you do when the most emotionally complicated part of your divorce isn’t your ex, your kids, or even the lawyer sitting across the table—but your living room? On this episode of How to Split a Toaster, family law attorney Seth Nelson and Pete Wright explore the profound entanglement between memory and materiality in divorce, with guest Nanette Murphy—a certified divorce and life transition coach who specializes in helping women navigate separation after long-term marriage.
Nanette brings a compassionate, lived-in expertise to the topic of shared spaces—how the family home, often the most contested asset, transforms into a symbol of what was, and what needs to be left behind. The conversation unpacks how emotional attachment to a home can cloud decision-making, stretch finances, and stall healing. From repainting walls to rerouting your daily path through the kitchen, Nanette offers strategies to reclaim space—both literally and psychologically.
Seth adds the critical legal perspective, offering insight into when it makes financial sense to keep the house, when to walk away, and how to ensure you’re not mortgaging your future just to hold onto your past. And Pete probes the deeper question: is your desire to stay rooted in care, or control? Together, the trio explores how to break up with your home, make peace with your stuff, and move forward with purpose.
Key Insights
Letting go of the home can unlock emotional and financial freedom
Redefining physical space helps rewire emotional memory
Divorce coaching prepares clients to approach legal decisions with clarity
This episode is for anyone facing the wrenching choice of what to take—and what to leave behind—when your relationship ends but your memories remain. Divorce isn’t just a legal process. It’s a spatial one. A sensory one. And sometimes, the most healing thing you can do is move your pizza cutter to a new drawer.
Links & Notes
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Pete Wright:
Welcome to How to Split a Toaster, a divorce podcast about saving your relationships from TruStory FM. Today, how do you navigate the ghost toaster living rent-free in your post-divorce psyche?
Seth Nelson:
Welcome to the show, everybody. I'm Seth Nelson. As always, I'm here with my good friend, Pete Wright. Today, we're talking about something that every divorcing couple has to face, whether they want to or not. It's not the lawyers or the court or even the money, it's the house. The places filled with memories, routines, holiday decorations, pencil marks on the doorframe, and maybe even a ghost or two. It's the third character in your divorce and deciding what to do with it can be just as complicated as ending the marriage itself. Nanette Murphy is a divorce and life transition coach who works with women navigating the emotional and logistical minefield of divorce. She's here to talk us through what it really means to let go. Not just of the property, but of the life once held. Nanette, welcome to The Toaster.
Nanette Murphy:
Hello, Seth. Hello, Pete. Thank you very much for having me. I've never been in a toaster before.
Pete Wright:
You know, that's the first time anybody's ever noticed, that they're actually in a toaster. Glad to have you here.
Nanette Murphy:
Toaster. Thank you.
Pete Wright:
I guess if we're going to boil it down, make it the most simple, we're talking about stuff. But really, what we're talking about is what happens when the family home becomes a focal point in divorce negotiations and the emotional significance of shared spaces. And in your work as a divorce coach, I wonder if you could set the table with how you help your clients get into a mindset where they can navigate what is a sticky emotional process.
Nanette Murphy:
Yeah. This is definitely a big challenge, especially with the women that I coach. They are over 40, over 50, raised a family in their home. Likely been in there 20, 25 years and they don't want to let go of the house and I... Really, a big advocate for, "Just let it go." Just let it go because... And I say that because I went through it myself. There was a time when I was like, "I'm not leaving my house. I'm not leaving it. We spent many years building it and all the memories."
And the unfortunate part is I can't state to them, "Just let it go. You'll be fine." It's got to be a process that they discover like, "Why do I want to be sitting here with all these memories? And for me, it just hit me one day, "I can't live here anymore. I don't want these four walls around me anymore," and the most freeing moment in my life at that time was when I moved out and when I had my own space and that was really when the healing could start beginning.
I mean, we were still going through our divorce and all of that, but it's very challenging. And that is why I really encourage women to work with a coach because it's not something that happens overnight. You have to really talk it through. And yeah, those memories are tough. You don't let go of the memories. You're just letting go of the wallpaper and the paint on the walls.
Seth Nelson:
Well, I think the thing you said about letting go in your own personal experience is keeping the house at some levels is looking backwards. But when you get to your new space, it's looking forward, "This is mine." You can set it up any way you want. You always want to keep the pizza cutter in the drawer in this space and not the other drawer. You can put the pizza cutter in any drawer you want now.
Nanette Murphy:
Yeah. Or-
Pete Wright:
Was the pizza cutter a big thing for you, Seth?
Seth Nelson:
No. It's just one of those things that I haven't-
Pete Wright:
It's just-
Seth Nelson:
... eaten pizza in a while and I was thinking about pizza.
Pete Wright:
... I wonder where that pizza cutter is?
Nanette Murphy:
Oh, there you go. I love that. I love that. Or, you can leave the pizza cutter behind and buy yourself a new one. Maybe in a pretty color that you like better.
Seth Nelson:
That's right. Or we could say, "You can put the toaster anywhere you want in your new kitchen."
Nanette Murphy:
Exactly. Absolutely. Absolutely.
Pete Wright:
The thing that's interesting to me about this is that it is... I mean, we generally try not to have very gendered conversations on the show. Divorce is divorce. But obviously, divorce hits people in different ways and you started this by saying, "This impacts women more... Particularly the women in your client base." And it made me think, I have this sort of avatar couple, these dear lifelong friends who went through a divorce. And he kept the house and the first thing he did was just take down all of the pictures that had her in it. She moved into a totally new space and completely redecorated and is now completely hers. And I wonder if they are just living out a stereotype. Is that kind of what you see? How does this hit men?
Nanette Murphy:
I don't coach men. But the other thing that I noticed in the women that I coach, again, were over 40 or over 50, sometimes over 60, and it almost becomes a fight out of principle. That a lot of times, he doesn't want her to have the house because he wants the house. Just because he doesn't want her to have it, if that makes sense. So there's a couple past clients who when I first said, "Why don't you just consider moving and finding a new fresh start location?" And the initial reaction was, "No, I don't want my kids to have to move. No, I love the neighborhood. No, I love my neighbors and all the people in it." And all of them eventually moved. And within a year, not five years later. It was just the right thing to do.
Seth Nelson:
Yeah. And from a divorce perspective, if you're going to move within that year, be careful keeping that house. Because if you keep it and then you sell it, you've now taken on all the closing costs with that sale. And look, and I'm not saying if the market went up or down, I'm not giving real estate timing advice. But I know closing costs, if you sell it during the pendency of the divorce or as part of the divorce decree or marital settlement agreement, those are usually going to be split. I mean, you can negotiate those, one way or the other. So just be careful about that. But Pete, you did mention something about when is it stereotypical what men do and women do and this must have been at least 10 years ago. I read an article. I don't even think it was a study. I think the article cited a study that said, "What do divorced men spend their money on immediately after and what do divorced women spend their money on immediately after?" And that was very stereotypical. Guys buying-
Pete Wright:
Do you remember any examples?
Seth Nelson:
... flat screen TVs, anything with electronics.
Nanette Murphy:
Bigger, better-
Seth Nelson:
Yeah.
Pete Wright:
Yeah.
Nanette Murphy:
Everything his wife wouldn't let him have. Motorcycles, sports cars-
Seth Nelson:
Right. I don't know this for certain but there might've been a reference to pool tables.
Nanette Murphy:
Yeah. That checks out.
Seth Nelson:
And then for the women, it was what they classified, as I remembered in this article many, many years ago, was decorating, kind of getting the house in order. So it was very kind of telling to the conversation today.
Nanette Murphy:
Absolutely. One thing you mentioned, Seth, was when you decide if you're going to keep the house, make sure you're going to keep it for more than five years and that is why. If you're going to just sell it in a year to three years, just rip the bandage off now and move forward as hard as it is to do. And that it's not just from emotional standpoint, it is from the financial standpoint. And that was one of the things that I really... One of the first people that I send my clients to is a financial advisor, is someone that can help them make these big decisions. Because again, a lot of women in that age bracket don't have a lot of knowledge of their finances. And I always tell them, "Don't be hard on yourself. It's the age we came from but it's not too late. We can start this now."
Seth Nelson:
Oh, it's a learned skill. We've had many professionals on here that work with men and women to learn their finances. That's easy to do.
Nanette Murphy:
Yeah. Absolutely. And yeah, not necessarily... In my previous... I always call it the previous administration. One of my girlfriends tagged it that way. He was the investor but I was the day-to-day... I knew the day-to-day and he was never good with managing money day-to-day. So it doesn't matter what state you're at, who you are. I don't care if you're the president or CEO of a company, you don't necessarily know how to manage money. So it's definitely a learned behavior. The one that you need, like you really should... You should know.
Pete Wright:
Let's assume that we're talking to a spouse that needs to stay in the home, right? For some reason or another, they can't move. Because I think so much of this conversation about sort of the third character of divorce presumes that you have to approach outliving the ghosts that live there with you. And when you're faced with this working with your clients, how do you help them process and move to the other side of that while they're in the middle of a contentious divorce not necessarily able to even see five years down the road.
Nanette Murphy:
Right. So you're saying they're going to stay in the house and they have to... Okay. So they're in the house. One of my clients did this. I said, "Okay. If you want to stay in your house, teenagers, neighborhood, all of that, change the bedroom you sleep in, change the wall colors, buy some new bedding, get a new chair. Make a little cozy room in your house that's just for you. It doesn't have to cost a lot. Put some artwork up that makes you feel calm and comfortable. Put some..." I'm a big incense and oils-
Pete Wright:
Change the smells.
Nanette Murphy:
... [inaudible 00:10:52]. Just change anything you can that will give you just a new sense of yours.
Seth Nelson:
And some of these things you're discussing aren't expensive.
Nanette Murphy:
No. No, they're not. I actually have a book. It's called Start With You And Then Work On Everything Else and it really is what you do. Like self-care is really important in my practice because I don't mean, "Oh, get your nails done once a week," or, "Get a massage." It is, "What do you do for yourself every day?" You get up and either prayer or meditate. People get kind of freaked out when you say meditation, but it's really just sitting quietly. It's just really learning to breathe and taking that moment. But having that space in your house that makes you... Just gives you five minutes of calm. And those are the things that I will tell my clients that, "If you must stay, you choose to stay, please don't stay in the same bedroom, in the same bed, in the same... Get in the same sheets." Those are, I think, mentally challenging situations that you can really... Yeah.
Pete Wright:
I cannot imagine and I'm not divorced. So the biggest nightmare for me is the idea of imagining my friend who is divorced and didn't change bedrooms and starts dating again. How do you possibly bring someone new to the same bedroom and the same bed?
Nanette Murphy:
So in my previous life, I... We had a cottage. The cottage is now mine. This cottage has two master bedrooms. We would always go into the one on the right. So I brought my-
Pete Wright:
Now, you're a lefty-
Nanette Murphy:
... new partner. Exactly. I'm like, "[inaudible 00:12:45]. And now, we're on the left-hand side." But those little things really can help you mentally adjust to your new normal. I, unfortunately, have one client... Actually, we're not working together anymore because she wasn't ready to continue. She was sleeping on her couch. She didn't even sleep in her bedroom. I'm like, "Oh my gosh, honey. You've got to sleep in your bed." Because she have five kids in the house. I'm like, "How do your kids feel about that? Mom just sleeps on the couch every night."
Pete Wright:
Like you're some sort of transient in your own home.
Nanette Murphy:
Yeah. And it just makes me sad when I can't let them know that these are little... It might be hard. Absolutely. I'm not going to say it's going to be easy-
Seth Nelson:
Yeah. That's what I was about to say. It sounds very simple, right? To go stick with that-
Nanette Murphy:
No, no. No, it's not though. It's like-
Seth Nelson:
... but it's just the opposite. The brain is an amazing thing and complex.
Nanette Murphy:
Yep. And I'm actually going to introduce this into my practice. It's something new that I've got an idea from someone and it's a desk bell. And I want to give my clients a desk bell. And when you have a win, whether it's getting out of bed in the morning and taking a shower or you're going to go to the gym for the first time, I want you to ring that bell and I want you to hear that chime-
Seth Nelson:
Well, don't they have that cancer bell, right?
Nanette Murphy:
Exactly-
Pete Wright:
Is that a thing?
Seth Nelson:
When you go into remission?
Nanette Murphy:
Exactly. Exactly. So-
Pete Wright:
There you go-
Seth Nelson:
That ring a bell.
Nanette Murphy:
... so I just thought, "Oh my gosh. I need to introduce this simple bell that gets rung," and maybe it's... And I always say, "It's the smallest thing." Again, I can remember the days when I would get up, get my daughter off to school. I'd climb back into bed, read all morning, read all day, get up and pretend that I was fully functioning all day-
Pete Wright:
Functional. Yeah.
Nanette Murphy:
... when she came home-
Pete Wright:
Well-
Seth Nelson:
Yeah. Fake until you make it, right?
Nanette Murphy:
Absolutely. Yep. Absolutely.
Pete Wright:
That gets to you. I mean, we're talking about the bedroom and I think the idea of being able to sleep in a different bedroom is huge. And I want to underscore... We had an interior decorator on the show. I think it was Season 1. Seth, right? Like-
Seth Nelson:
Yeah. Long time ago.
Pete Wright:
... it's been a long time. But the big message there was never underestimate the power of simple redecoration to make you feel like you're in a totally new space.
Nanette Murphy:
Absolutely.
Pete Wright:
And bedrooms and rec rooms or TV rooms, those, you can move stuff around and feel different. So many memories exist in one of the spaces in our homes that is really hard to move things around in and that's the kitchen, because so much love and family exists around food. I've never thought of this actually out loud. But I'm curious if your clients have trouble with cooking, kitchen stuff, eating that triggers memories that are jarring.
Nanette Murphy:
For sure. I mean, I was a mother of three. We were a family of five. We had four dogs at one point. There was a house that was bustling and we had people in and out all the time. And it is a daily practice that you just have to start new traditions when it comes to mealtime. Silly little things. Guys-
Seth Nelson:
I got to tell you. I think I have a solution for this. I think you can have those beautiful kitchens that you built and maybe you're a quasi [inaudible 00:16:20] chef, right? And you just order Uber Eats, Pete, and it solves that problem-
Pete Wright:
You're so predictable.
Nanette Murphy:
Yeah. It's funny you say that, Seth, because I-
Seth Nelson:
I got a $200,000 kitchen-
Nanette Murphy:
I'm not a cook-
Seth Nelson:
... that is perfect for ordering Uber Eats.
Pete Wright:
Putting another order of Killer Burger on that marble.
Nanette Murphy:
I am right there with you, Seth. My daughter and I live together. She moved in with me and we started getting a grocery delivery... What's it called?
Seth Nelson:
Service. Yeah. There's a bunch of them out there-
Nanette Murphy:
Fresh Start or whatever it was.
Seth Nelson:
Oh, yeah, yeah.
Nanette Murphy:
Yeah. And we started doing that and we started to cook together and we made that our new, little tradition. And it's all about reframing the way you approach it. And again, it's not something that's... I did it on my own and let me tell you, it was tough. I always said it was like one step forward, two steps back.
Seth Nelson:
Right. Or you go cooking for... If you have kids in the house, let's say you have three kids, you're cooking for five-
Nanette Murphy:
Yeah.
Pete Wright:
Suddenly, you're cooking for one.
Seth Nelson:
... and then the kids... Right. The kids are weekend-
Nanette Murphy:
Table for one.
Seth Nelson:
Right. Table for one and all that stuff.
Nanette Murphy:
Mm-hmm. Yeah, yeah. But again, when you're working with a coach... And again, I wish... I wish I would've had a coach but they're the ones that... Like we're ones that can give you new ideas, give you a little piece of information to go, "Well, what school got it this way?"
Seth Nelson:
It's all about changing perception because people hold on. And you hear a lot, "Well, I want to keep it for the kids," which, look, I get it if it's a good school district and you got to stay in the house for the school district. But to your point, well then, have a plan, "We're going to stay in the house for this long. And when you go from middle school to high school, we might move because it's a larger area for where you go." So you can make a plan on this stuff. And look at the finances. A lot of people are frequently house poor.
Look, they're putting all that money into that mortgage payment but they don't have the ability to do the extras. But maybe if you had a smaller mortgage payment, then you could take a weekend at the beach or something like that and create new memories. There's different ways to handle that. But it's a very interesting concept of just focusing solely on how do you get past the house and the argument? Like you say, it starts from within-
Nanette Murphy:
100%.
Seth Nelson:
Like, don't look at needs. And the other thing I've encouraged people to do is go look at some other houses.
Pete Wright:
And ideas-
Seth Nelson:
Just go look-
Pete Wright:
Go Zillow browse.
Seth Nelson:
Yeah, yeah. Get on Zillow. Look around. See what's out there because maybe something will strike you and be like, "You know what? I didn't think of it this way." I know some people that have moved into condos and they love it. Other people aren't condo people but some people love it. They're like, "I don't have the maintenance anymore. Yeah. I write the check every month for my homeowner association or my condo fees but set it and forget it. Something goes out, I don't have to deal with it."
Pete Wright:
You know what just occurs to me all of a sudden is that everything we're talking about is like... You know desire paths, like these nature trails where you have two paved sidewalks across a college campus and one worn out path of grass right between them? It's the desire paths where everybody wants to go. We all have desire paths in our lives, in our homes, how we walk around our homes, how we cook, how we move, where we put stuff. It seems like what I'm hearing is if we just change things enough that forces us to create a new desire path, we can rewire our brains around some of the emotional stuff-
Seth Nelson:
That's right. You can-
Nanette Murphy:
Yes. Absolutely. And then, it's possible-
Seth Nelson:
... basically do what... You can do what the college campuses never do-
Pete Wright:
Pave the damn thing.
Seth Nelson:
It's just from the sidewalk-
Pete Wright:
Yeah.
Seth Nelson:
Right. Like they leave the path that looks horrible. Just put a sidewalk there-
Nanette Murphy:
Put a sidewalk there.
Pete Wright:
Well, it's-
Seth Nelson:
That'll solve the problem.
Pete Wright:
... it's charming.
Seth Nelson:
Yes.
Pete Wright:
Another question for you, Nanette. I want to transition specifically to how the ghosts of these memories impact your client's relationship with their attorneys. I think that's an important thing because I want people who are listening to be able to see themselves and how they think about what they're living through and what they're fighting for and get your perspective on that.
Nanette Murphy:
Well, my first response to that is don't deal with those conversations and those memories and those thoughts with your attorney because that's an expensive therapy session.
Seth Nelson:
I would agree.
Nanette Murphy:
That's what the divorce coach is for. That is why you have to talk to someone who can... Let's just get through all the mud. So that when you talk to your attorney, the mud's gone. You clear it. You might have some residue on you but that's it.
Seth Nelson:
Look, sometimes when you're talking to clients, I think doing the analysis properly, what is the underlying reasoning for wanting to keep the house? "I want to keep the house," that's positional. What's the underlying reasoning? So I'll ask those questions. Because in a relatively short conversation, we can work on discussing those underlying reasonings. And then, sometimes I'm like, "Look, it's a great house. Everything's perfect for the kids. It's in a great school district. So okay, can we afford the house? Yes or no?" Then, we talk about that.
"Okay. Do you understand that that means you're going to have less retirement?" "Yes." "So you're putting your value for your retirement in the housing market, not in the stock market so to speak," but you can have those conversations. And I would tell you, the biggest thing about a house or any other asset, be flexible. Because if you get one asset, you're not going to get the other. So just be flexible in how you approach it and it's much easier to settle a case when you have people that are flexible as opposed to tied into positions. The positional is what gets very difficult and very expensive, right?
Nanette Murphy:
Yeah. And you have to get out of that stuck. Don't stick your feet so much into the ground that you're not going to move on anything.
Pete Wright:
Where do you find they get the most clogged, Nanette? I imagine it's the house, right? That'll be a first one.
Nanette Murphy:
The house-
Pete Wright:
The cars? Like-
Nanette Murphy:
No, it's house, finances, but... The kids, like custody time. But that's when a parenting coach comes in. I don't believe that that's where your attorney should make decisions or help you start making decisions. So 10 years ago, I always said... Good thing I don't keep track anymore how long I've been divorced, but I wished I would've had a parenting coach. I didn't know they existed. I did many things incorrectly.
Pete Wright:
Did they exist 10 years ago? It seems like that's kind of a new thing.
Nanette Murphy:
I don't know. I don't know.
Seth Nelson:
But you just got to also be careful and I'm not... We've had divorce coaches on before and I think there's a valuable service. It's being careful that... And I know you don't do this, but you can't do the unlicensed practice of law. You can't start telling them, "This is what you should do," or anything like that. That's not the rule. And you also can't... You got to make sure that there's clear... Not you, but the client and lawyer need to make sure there's clear communication.
And we've had people come in and say, "I'm working with a divorce coach." I've said, "Okay. Here's my boundaries. Don't talk to them about anything that we talk about because you break the attorney-client privilege. There's no divorce coach privilege, right? So anything you say to your divorce coach is coming into evidence if you have a litigious case. So just have to be careful about that and what you do." But there's certainly a value in, "Look, it's the same and I'm not..." You can talk to your friends but I tell people, "Be careful what you say to your friends because now, you make them witnesses." So we just have to be cautious. But look, the more you can get through the process and talk it through and quicker, the better.
Nanette Murphy:
Right, right. One of my clients hired an attorney that I recommended. He's an acquaintance, a friend, and he said to me... Obviously, we don't talk about her case. But he said it was really refreshing because by the time she hired him and started working with him, he said, "I could tell she had already worked through a lot of the emotions-"
Pete Wright:
Yes.
Seth Nelson:
Oh, that's awesome.
Nanette Murphy:
... "and she had a..." Oh my god. When he said that to me, I'm like, "Oh my goodness, Max. Thank you. That makes me feel-"
Pete Wright:
That's so ideal.
Nanette Murphy:
... "That's what I've... I've accomplished what I set out to do." And the other thing I want to address too is that was one of my big things is I stay in my lane. If my clients ask me something legal, I will say, "Well, I understand," or, "Maybe this, each state is different, but I'm not going to give you any legal advice." My whole thing is I want them to be prepared with their questions, I want them to already have talked to a financial advisor, and know and have a good idea of what they're going to end up with. So that when they sit with their attorney, just the backs jack, the tissues are... We don't need tissues anymore. We know what we're going to talk about. So that's my big plug on that.
Pete Wright:
I love it. I feel like this is a great way to just reframe that relationship. That you have a particular role in helping people who are going through a divorce, clear out the ghosts, stop listening to the third character. So by the time they sit down with Seth, they don't need to even have those conversations. It is a great reminder. I hope people listening see themselves a little bit in this conversation. And as we get to wrapping up, Nanette, where do you want to send people to learn more about your work, your process? How can we teach people about how you teach people?
Nanette Murphy:
You can find me at livelifenowwithpurpose.com. Everything about me is in there, what I offer, my resources. I help people, women getting prepared for divorce. I want to walk through them on the journey. And then, ultimately, I do go through a healing process with them and I have another resources for that as well. It's a long journey. It's a long journey. And it's even longer if you do it by yourself. Ask me. I know. Yeah, yeah.
Pete Wright:
For sure. For sure. Well, thank you so, so much for being here, for sharing your wisdom.
Nanette Murphy:
Thank you. Appreciate it.
Pete Wright:
And Nanette, it's great to meet you, great to have you-
Nanette Murphy:
Thank you.
Pete Wright:
And you are working on your own podcast. Do you want to plug that or do we want to just keep it real quiet?
Nanette Murphy:
No, I can plug it. I mean, it's called Second Act: Navigating Grey Divorce. I have I think about 8 to 12 episodes on YouTube, Spotify, all of those lines, and I'm going to pick it up where I left off hopefully in August. But it's just really about who you should hire, why you should hire them, what order to hire them in, and everything in between.
Pete Wright:
Perfect. Perfect.
Nanette Murphy:
Yeah. Thank you.
Pete Wright:
Second Act, check it out wherever you get or find your podcasts and it's easy to catch up on. You can binge the whole thing so far. Get to it before August. Thank you so much, Nanette Murphy. The link's in the show notes and thank you, Seth Nelson, America's favorite divorce attorney. On behalf of the whole team here, I'm Pete Wright and we'll see you next week right here on How to Split a Toaster, a divorce podcast about saving your relationships.
Speaker 4:
How to Split a Toaster is part of the TruStory FM podcast network. Produced by Andy Nelson. Music by T. Bless & the Professionals and DB Studios. Seth Nelson is an attorney with NLG Divorce & Family Law with offices in Tampa, Florida. While we may be discussing family law topics, How to Split a Toaster is not intended to nor is it providing legal advice. Every situation is different. If you have specific questions regarding your situation, please seek your own legal counsel with an attorney licensed to practice law in your jurisdiction. Pete Wright is not an attorney or employee of NLG Divorce & Family Law. Seth Nelson is licensed to practice law in Florida.