I don’t disagree. But non-divorced parents don’t get to say the money in the bank is for a new home. And we don’t know what the profit is. Or what the college expense will be. Or what reserve the ex wants to see. Examples would help.
We all agree OP seems not to understand the greater ramifications of any DIY. But eg, suppose he’s expecting to pay more than she does, but wants to see a portion of her profit set aside, so it’s there, not counting on her low income to support her share of costs? Is that unreasonable? Again, details would help.
My bff did use mediation (to my surprise.) But she had informed herself of all contingencies, what she needed to walk with and for how long, how she and ex would split college costs, how health insurance and details down to cell phone plans would work. She scored on these points. In the end, they split college costs 50-50 (though he earned 4x what she did) but the increased alimony (for more years than legally required) and other bills he covered made this easier. They also had one twin at a fafsa only, where only her income was considered, in aid calculations.
In this thread, we don’t know what numbers.