[(Title)] The financial impact of divorce lingers for decades, but are men or women bearing the brunt?.

The financial impact of divorce can last for decades and carry on into older age, according to new research.

最新研究显示，离婚对财务影响可以持续几十年，甚至会延续到老年。

The Australian Institute of Family Studies has found divorced people aged over 55 had less disposable income and fewer assets than their married counterparts.

澳大利亚家庭研究所发现，年龄超过55岁的离婚人士与已婚同龄人相比，其可支配收入较少，资产较少。

The study also said men end up worse off, but this is in contrast to the views of divorce experts, who say older women are the ones who are missing out financially.

该研究还表明，男性境况会更糟，但这与离婚专家的观点形成鲜明对照。

Annie Greenberg had to dramatically adjust her lifestyle since getting divorced nearly 10 years ago.

安妮·格林伯格(AnnieGreenberg)自从近10年前离婚后，不得不大幅调整自己的生活方式。

"It's not the worst thing in the world, you just don't do what you were used to doing for 20 years," Ms Greenberg said.

格林伯格女士说：“这并不是世界上最糟糕的事情，你只是不再拥有20前的生活方式。”

The 62-year-old has downgraded homes several times, and said she is only just getting back on her feet.

62岁的她已多次降级住房，并表示她只是刚刚自给自足。 

She not only lost out on assets, but years of marriage and child-raising meant she lost out on an income and super as well.

她不仅失去了资产，而且多年的婚姻和养育子女意味着她失去了一份收入，也失去了高雄做能力。

"I live in a $1 million apartment, he lives in a multi-million dollar house," she said.

她说：“我住在100万美元的公寓里，他住在几百万美元的房子里。”

People who went through a divorce in their 30s or 40s are still feeling the financial pain well into their 60s and 70s, according to new research from the Australian Institute of Family Studies.

澳大利亚家庭研究学会(AustralianInstituteofFamilyStudies)的一项最新研究表明，在三四十岁离婚的人，到六七十岁依然会感受到经济上的痛苦。

It found that divorced Australians aged between 55 and 74 had less household disposable income and fewer assets than their married peers.

调查发现，年龄在55至74岁之间离异的澳大利亚人的家庭可支配收入低于其已婚同龄人。

"It is not surprising when you think that people who have divorced have had to split up their assets and taken a hit in terms of how they engaged in the employment market over the 16-year period we have measured here," said Anne Hollands, the director of the Australian Institute of Family Studies.

澳大利亚家庭研究所所长霍尔兰德说：“当你分析离异者必须分割他们的资产，并从我们在这里衡量的16年就业市场的参与情况中遭受打击，这并不足为奇。

The study examined the financial consequences of divorce for up to 3,000 older Australians between 2001 and 2016, using data from the Household, Income and Labour Dynamics Surveys.

该研究通过住户、收入和劳动力动态调查提供的数据，审查了2001年至2016年多达3,000名澳大利亚老年人离婚后的经济境况。

It found that during this period, there had been a 10 per cent increase in divorce.

调查发现，在此期间，离婚率增加了10%。

"So those people who have stayed married and hang onto their assets have continued to grow the value of those assets, and also been able to grow the value of their income, relatively," Ms Hollands said.

霍尔兰德女士说：“因此，那些已婚并持有其资产的人，继续扩大这些资产的价值，并能相对提高其收入的价值。

The research also found that men were slightly worse off than women when it came to household disposable income.

研究还发现，在家庭可支配收入方面，男性比女性稍差。

But the Institute's study is yet to identify why that is.

但该研究所的研究尚待确定其原因。

Victoria Whitelaw, a barrister who works in the family law system, said in her experience, men more easily recover financially from divorce because they have more earning power.

在家庭法体系中工作的律师VictoriaWhitelaw根据其经验说，由于男子有较多的挣钱能力，所以更容易从离婚中恢复经济。

"It was generally understood years and years ago that men lost more, but I think reality is that women since then — older women — have not had the input to super," Ms Whitelaw said.

惠特拉夫女士说：“多年前人们普遍认为男性失去的更多，但我认为现实是女性从那时起 - 老年女性 - 没有得到超级的投入。”

She encourages clients to use mediation instead of the more expensive family court system.

她鼓励客户使用调解而不是更昂贵的家庭法院系统。

"This is something that people should be encouraged to mediate and work out for themselves [to] keep the family's money within the family," she said.

她说：“这是应该鼓励人们自我调停，努力把家庭的钱留在家里的。”

"Once you get to court … you're not going to hang onto your money," Ms Whitelaw said.

惠特拉夫女士说：“一旦你上法庭，钱就不受你的控制了。”

Charlie Viola, a wealth manager who works with divorced clients, said he also found women to be worse off.

与离婚客户一起工作的理财经理查理·维拉说，他也发现，女性处境更糟。

That is because women generally hold onto the family home.

这是因为妇女一般都待在家庭里。

"The implications over time is that you can't eat a house — it won't generate revenue, and it will curtail your ability to generate other revenue.

“随着时间的推移，你不能把房子吃了——房子不会产生收入，而且会削弱你创造其他收入的能力。”

"Especially if the person in the home was the non-working spouse or lower income earner."

“特别是家庭中的非工作配偶或低收入者。”

He also points out the issue of women missing out in super is more stark after divorce.

他还指出，离婚后，妇女失踪的问题也更加突出。

However, there is some good news — the study found that divorced people who remarried were able to recover some of their lost finances.

然而，也有一些好消息——研究发现，再婚者有可能恢复他们失去的财富。