Yes, once an asset is titled jointly or comingled, then it's generally going to be split 50-50 unless the parties agree otherwise. A possible exception would be if there was a very clear history of one person contributing solely to an asset just prior to the separation/divorce. So, if you make a $20,000 individual deposit to a jointly owned account and one week later your spouse files for divorce, you may be able to recover that part. But once money becomes comingled and impossible to tease apart who contributed what, then it's going to be split equitably. And as already mentioned, depending on where you live, even if an asset is titled separately, it may also be split in a divorce since it may still be considered marital property.