One thing my W's L did that I liked in their offer for the division of assets is to have her get a bigger portion of the marital retirement than I with no calculation for future unpaid taxes. I dont have to come up with as much money to pay off for her then smaller non-retirement portion of the assets. I feel sacrificing more of my marital retirement is ok as they are not treating my pre-marital portion of my retirement as part of the division of assets and I am still sitting ok.