CourtListener opinion 10823518

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RENDERED: MARCH 14, 2025; 10:00 A.M.
 NOT TO BE PUBLISHED

 Commonwealth of Kentucky
 Court of Appeals
 NO. 2023-CA-1294-MR

KAREN RODRIGUEZ APPELLANT

 APPEAL FROM JEFFERSON CIRCUIT COURT
v. HONORABLE DENISE D. BROWN, JUDGE
 ACTION NO. 21-CI-500228

RODRIGO RODRIGUEZ APPELLEE

 OPINION
 AFFIRMING

 ** ** ** ** **

BEFORE: ACREE, L. JONES, AND MCNEILL, JUDGES.

JONES, L., JUDGE: Appellant, Karen Rodriguez (Karen), filed a notice of appeal

from orders of the Jefferson Circuit Court entered on October 4, 2023, and

November 11, 2023, which denied her motion made pursuant to Kentucky Rule of

Civil Procedure (CR) 60.02, to amend the parties' Marital Settlement Agreement

(MSA) and her subsequent CR 59.05 motion to amend the October 4, 2023 order.1

1
 An order denying a motion to alter, amend, or vacate filed pursuant to CR 59.05 is not in itself
a final and appealable order. Thus, we treat this matter as an appeal of the October 4, 2023 order
denying Karen's requested relief under CR 60.02 only. See Mingey v. Cline Leasing Serv., Inc.,
 The motions concerned the division and assignment of a portion of Appellee's,

Rodrigo Rodriguez's (Rodrigo), retirement accounts, a parcel of real property

(Brownsboro property), and a debt associated with the Brownsboro property. After

careful review of the record on appeal, the briefs filed, and the relevant law, we

affirm.

 BACKGROUND

 The parties were married on August 15, 1995, and separated in

September 2020. Both parties acquired significant marital assets during the

marriage. Rodrigo filed a petition for dissolution of marriage on January 27, 2021.

At the time he filed his Preliminary Verified Disclosure Statement (PVDS) in June

2021, Rodrigo had a Fidelity 401(k) (the 401(k)) containing approximately

$272,000. (Record, ("R") at 32.) The parties attended mediation on April 18,

2023, and the result was the April 28, 2023 MSA which was accepted by the court

and incorporated into the Decree of Dissolution entered on May 1, 2023. (R. at

248, 259.) At the core of the dispute in this case are the following terms of the

MSA.

 The first reads:

707 S.W.2d 794, 796 (Ky. App. 1986) ("Unlike a ruling denying a motion for relief under CR
60.02, a ruling on a CR 59.05 motion is not a final or an appealable order. There is no authority
in the rules to ask for reconsideration of a mere order which rules on a motion to reconsider a
judgment.") (citation omitted).

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 Karen is awarded the [Brownsboro property] free
 and clear from any and all claim by Rodrigo. Karen shall
 take all steps necessary and execute an[y] required
 documents needed to remove Rodrigo from any debt
 encumbering the property and for him to legally transfer
 his interest in the property to her. Rodrigo is not listed
 on the deed to the property.

 A Home Equity Line currently encumbers the
 Brownsboro [] property.[2] Thirty (30) days after receipt
 of the funds Karen is to receive out of Rodrigo's
 retirement, she shall pay off this debt in its entirety.
 Until such time that the debt is paid in full, Karen shall
 continue paying the monthly payment on this debt.

(R. at 249.)

 The second provides:

 In order to equalize division of the marital estate, Karen
 is awarded $130,000 from Rodrigo's [401(k)]. Rodrigo
 is awarded the remainder of the funds in the [401(k)], and
 all other retirement accounts in his name, free and clear
 from any and all claim by Karen. There are no other
 retirement plans. The parties agree to engage Tacasha
 Thomas to draft and file the Qualified Domestic
 Relations Order [QDRO] and they shall equally divide
 the cost of her services.

(R. at 250-51.) Notably, no precise amounts of any of the assets or debts divided

are included in the MSA or the Decree of Dissolution.3 Pursuant to the terms of

2
 This $125,000 line of credit was obtained during the marriage. (R. at 316.) As of October 8,
2018, the amount of credit accrued on that account was $124,693.14. (R. at 343.)
3
 Besides the $130,000, the only other monetary figures mentioned in the MSA are the fee for an
appraisal for Karen's business and the $10 in the parties' joint bank account. (R. at 250, 252.)

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 the MSA, Karen continued making payments relative to the associated debt on the

Brownsboro property, and as of August 7, 2023, the amount owed was precisely

what was owed from October 2018 – $124,693.14. (R. at 298.) On July 12, 2022,

the circuit court entered a QDRO which provided that Karen would receive a

$130,000 interest in Rodrigo's 401(k) and would pay all related taxes and

withdrawal penalties. (R. at 265.)

 On September 5, 2023, Karen filed a motion under CR 60.02 in which

she explained that, after the execution of the QDRO and the $130,000 interest from

the 401(k) was transferred to her, she discovered she would only be receiving

approximately $104,000, due to taxes and early withdraw penalties. (R. at 294.)

She claimed that the parties intended for Karen to receive a "net" $130,000 from

the 401(k), which was to be used for the sole purpose of satisfying the debt on the

Brownsboro property. As the amount from the 401(k) was $20,000 less than what

she expected to be receiving, Karen argued that the MSA is unconscionable

because she is unable to pay off the entirety of the remaining debt on the

Brownsboro property. Thus, she asked for the MSA to be amended to read that

Karen would receive "no less" than $130,000 from Rodrigo's 401(k), for a second

QDRO to be entered, or for Rodrigo to pay the approximately $20,000 difference.

The circuit court denied her motion on October 4, 2023. It similarly denied her

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 subsequent motion filed pursuant to CR 59.05 to amend the October 4, 2023 Order.

This appeal followed.

 STANDARD OF REVIEW

 A marital settlement agreement is binding upon a circuit court "unless

it finds, after considering the economic circumstances of the parties and any other

relevant evidence produced by the parties . . . that the separation agreement is

unconscionable." Kentucky Revised Statutes (KRS) 403.180(2). In determining

whether a marital settlement agreement is unconscionable, or if it resulted from

duress, undue influence, or overreaching, a circuit court has broad discretion, and

this Court shall not disturb the decision unless there is an abuse of discretion.

Andrews v. Andrews, 611 S.W.3d 271, 275 (Ky. App. 2020) (citations omitted). A

party challenging a marital settlement agreement initially approved by a circuit

court has the burden of proof to show circumstances have changed which renders

the agreement to be unconscionable. Bailey v. Bailey, 231 S.W.3d 793, 796 (Ky.

App. 2007) (citations omitted).

 Similarly, this Court reviews issues surrounding motions filed

pursuant to CR 60.02 for an abuse of discretion. Age v. Age, 340 S.W.3d 88, 94

(Ky. App. 2011). A trial court has abused its discretion if its "decision was

arbitrary, unreasonable, unfair, or unsupported by sound legal principles."

Commonwealth v. English, 993 S.W.2d 941, 945 (Ky. 1999).

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 ANALYSIS

 In the case at hand, Karen has asserted the need to set aside and

amend the MSA under CR 60.02 sections (a) and (f). In relevant part, CR 60.02

provides:

 On motion a court may, upon such terms as are just,
 relieve a party or his legal representative from its final
 judgment, order, or proceeding upon the following
 grounds: (a) mistake, inadvertence, surprise or excusable
 neglect . . . or (f) any other reason of an extraordinary
 nature justifying relief.

Generally, "the law favors the finality of judgments. Therefore, relief may be

granted under CR 60.02 only with extreme caution and only under the most

unusual and compelling circumstances." Age, 340 S.W.3d at 94.

 A. CR 60.02(a)

 Karen argued in her CR 60.02 motion and on appeal that the parties

mistakenly failed to include the word "net" when referring to the $130,000 she was

to receive from Rodrigo's 401(k). Essentially, she argues the mistake is evident

from the four corners of the agreement, and the terms themselves are proof that the

mistake renders the MSA unconscionable.

 In its ruling, the circuit court referenced several provisions of the

MSA concerning different waivers and admissions made by the parties, including

acknowledgements that the parties agreed the MSA was fully understood; that the

MSA was fair, equitable, and conscionable; and that the parties had an adequate

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 opportunity to consult with counsel and/or a tax expert. (R. at 248-58.) The circuit

court found there was no indication of the alleged agreement for Karen to solely

use the funds to be received from the 401(k) to pay off the debt on the Brownsboro

property, nor was the precise balance of the debt contained within the four corners

of the MSA. It further found the MSA was drafted by both of the parties' attorneys

and that: "[i]t is clear [Karen] chose not to obtain information as to the taxes and

fees associated with the withdrawal of retirement funds prior to signing the

agreement and knowingly waived her right to do so. This was a decision by

[Karen], not a mistake, and is assignable to [Karen's] actions or non-actions." (R.

at 351-53.)

 We agree with the circuit court that Karen failed to meet her burden of

submitting proof that the MSA was entered into as the result of "mistake,

inadvertence, surprise or excusable neglect[.]" CR 60.02. Karen likewise did not

show that the MSA was patently unfair, unreasonable, or inconsistent with the

parties' individual situations. See, e.g., Jolly v. Jolly, 698 S.W.3d 427, 431 (Ky.

App. 2024). Based upon the evidence before it, we hold that the circuit court's

factual findings were not clearly erroneous and it did not abuse its discretion in

making those findings.

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 B. CR 60.02(f)

 To succeed on an application for relief under CR 60.02(f), a moving

party must present a "reason of an extraordinary nature justifying relief." "This

type of relief is exceptional, to be granted cautiously, and only upon a very

substantial showing of special circumstances that justify such relief." Jolly, 698

S.W.3d at 431 (citing Copas v. Copas, 359 S.W.3d 471, 476 (Ky. App. 2012)).

"What constitutes a reason of extraordinary nature is left to judicial construction."

Commonwealth v. Spaulding, 991 S.W.2d 651, 655 (Ky. 1999). Three factors

influence this judicial construction: (1) whether relief under a different subsection

of CR 60.02 is available or applicable; (2) "whether the moving party had a fair

opportunity to present his [or her] claim at the trial on the merits[;]" and, (3)

"whether the granting of CR 60.02(f) relief would be inequitable to other parties."

See Snodgrass v. Snodgrass, 297 S.W.3d 878, 884 (Ky. App. 2009) (citations

omitted). As mentioned above, we have held that CR 60.02(a) does not apply in

this instance. Furthermore, Karen does not dispute that she was given a fair

opportunity to present her claim before the circuit court. Thus, we turn to the final

Snodgrass factor.

 Karen argues that it is patently unfair and inequitable to enforce the

MSA because Rodrigo failed to adequately disclose the nature of the 401(k) before

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 the parties signed the MSA, namely that the $130,000 interest to be transferred to

her was in a "high risk" account. We are not persuaded by this argument.

 This argument was first asserted in Karen's subsequent CR 59.05

motion and only supported by her own affidavit. (R. at 355.) In the affidavit, she

suggests that Rodrigo misrepresented, or otherwise failed to disclose, the nature of

the 401(k), but does not provide evidence to support this claim, other than Rodrigo

not supplying account statements of the 401(k) during discovery, which Rodrigo

claims were not in his possession. (R. at 361, 365.)

 On the other hand, substantial evidence exists supporting the circuit

court's finding that Karen chose not to obtain more information about the 401(k).

The MSA states that the parties acknowledged the division was based on a full

disclosure of all the assets. Additionally, in her affidavit, Karen states that a

subpoena she submitted to the managing company of the 401(k) went unanswered,

but the affidavit does not indicate that she ever attempted to move to compel

compliance with the subpoena. (R. at 361.) Finally, we note that Karen did not

contest the entry of the QDRO, which clearly stated that her interest shall be

$130,000 and that she will be required to pay the appropriate taxes and penalties on

distribution.

 The circuit court also found that granting Karen's motion would be

inequitable to Rodrigo "by making him responsible for [Karen's] decision not to

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 seek additional relevant information prior to signing the agreement." (R. at 354.)

Granting Karen's motion would divest Rodrigo of at least $20,000, and potentially

impose additional fees relating to the execution of a new QDRO or administration

of the 401(k).

 Both parties were represented by counsel at the time of the mediation.

From the four corners of the MSA, both parties were awarded significant assets.

Though the values of the assets were not included, other than the $130,000 interest

to be awarded to Karen from the 401(k), the parties indicated several times

throughout the MSA that they were entering into the contract willingly and fully

understood the terms of the MSA. Had the parties intended for the proceeds from

Rodrigo's 401(k) to be used for the sole purpose of extinguishing the Brownsboro

property debt, precise language could have been utilized indicating such or

delineating the exact amounts of the debt and the taxes and fees which were to be

deducted from the amount to be withdrawn. Instead, the MSA gave Karen the

discretion to use whatever funds were available, whether received from the 401(k)

or otherwise, to pay the debt.

 We view any remaining contentions of error as moot or without merit.

 CONCLUSION

 Accordingly, the circuit court's Order of October 4, 2023, is affirmed.

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 ALL CONCUR.

BRIEFS FOR APPELLANT: BRIEF FOR APPELLEE:

Allison Spencer Russell M. Thomas Underwood
Louisville, Kentucky Louisville, Kentucky

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