I did misunderstand. In Alabama the going in position is 50-50 across the board even though we are not community property state. It does not matter what you brought into the M unless you are M only a shot time (5 years I think). The court considers anything used jointly for the M become "joint" assets.
Anyway good luck on the settlement. I am also at that stage. For now, my W has agreed to let me keep my retirement account and she keep hers. Mine is larger b/c I am a 51-year old fool too! But she gets to work longer (she is 44) than I so she will not be hurting.
