第一，婚後收入是婚姻財產，婚後買的房子也是婚姻財產，不管錢和房子在誰的名下。婚前的房子，如果婚後你有勞動貢獻，也是婚姻財產。都參與分配。不知道這些房子的來龍去脈，很難得說的準，但是就你所說，結婚25年，你又做了很多房子的工作，這些房子應該是參與分配的。
第二，參與分配不等於都是對半分，可能你多一點比例，可能他多一點比例，具體比例是多少，在紐約州有一個因素表，很長啊，十六個因素，每個因素都要分析，真正打起官司來很瑣碎的。見篇末。
我覺得你們不熟悉法律，不知道自己應拿多少，互相猜忌，很難達成協議。如果不想打官司的話，可以找divorce mediator（離婚協調律師），這個律師是中立者，負責回答你們法律問題，協調你們兩個人的談判，最後幫助你們填表交表等等。這個錢可能還是應該花的。
The 16 Factors Considered in Equitable Distribution
- How much money and property each person had when they got married, and how much they have now.
- How long the marriage lasted and the age and health of both people.
- Whether one person needs to keep the family home or other belongings for the sake of the children.
- Whether one person will lose inheritance or pension benefits because of the divorce.
- Whether one person will lose health insurance because of the divorce.
- Whether one person will get spousal support (alimony) payments from the other.
- Whether one person contributed to the acquisition of property even if they don’t have their name on it (like by being a stay-at-home parent).
- Whether the property is easy to sell (liquid) or harder to sell (non-liquid).
- What the financial situation will be for each person after the divorce?
- Whether it is difficult to put a value on some assets like a business or a professional license.
- How taxes will affect each person’s financial situation.
- Whether either person wasted (spent or lost) assets on purpose during the marriage.
- Whether either person gave away or sold the property for less than it was worth to try to keep it away from the other person in the divorce.
- Whether there was any domestic violence between the two people.
- If the couple has a pet, the court will consider what is best for the pet.
- Any other factors that the court decides are fair and reasonable to consider.
