Ryan Lochte’s estranged wife, Kayla Rae Reid, hints at ‘betrayal’ amid divorce, six-figure financial woes

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Kayla Rae Reid hinted at “betrayal” amid her divorce and financial woes with estranged husband Ryan Lochte. kaylaraereid/Instagram

Kayla Rae Reid shared a cryptic message about “betrayal” as her and Ryan Lochte’s divorce and financial woes continue to rage on.

The model shared a slideshow of selfies accompanied by “reminders” she is telling herself “right now” on her Instagram last Friday.

“Sometimes God allows betrayal… because it leads to the breakthrough,” Reid, 33, captioned one of the images, in which she was seen wearing a blue and red halter top.

The model shared her words of encouragement along with a slideshow of selfies on Instagram last week. Kayla Rae Reid/Instagram
“Most people have no idea what I’ve endured,” she captioned one of the images. Kayla Rae Reid/Instagram

The blond beauty shared another image in which she wrote about having to “heal.”

“You’re stepping into the best chapter of your life — you just have to heal first,” she said.

Reid accused most people of having “no idea” what she has “endured.”

She also wrote about having to “heal.” Kayla Rae Reid/Instagram
The real estate agent said that her divorce is like a “rebirth.” Kayla Rae Reid/Instagram

“Ignore their opinions. Truth always reveals itself,” she said.

She then directly addressed her failed marriage to Lochte, writing, “Divorce isn’t the end of my story. It’s the beginning of my rebirth.”

She added, “I didn’t choose to be broken, but I’m choosing to rebuild.”

Reid offered some optimistic final thoughts in the caption of her post.

“First you survive, then you thrive! ✨,” she said before encouraging her fans to save the post in case they needed a “reminder” of their strength.

“I didn’t choose to be broken, but I’m choosing to rebuild,” she added. kaylaraereid/Instagram
Reid announced that she had filed for divorce from the athlete last month. kaylaraereid/Instagram

Reid and the 12-time Olympic medalist, 40, tied the knot in 2018, but she announced last month that they were splitting up after seven years of marriage.

“I made the hard decision to end my marriage after deep prayer and reflection,” she said in a social media statement. “I hold marriage in the highest regard, so this has been one of the most painful, revealing, and challenging seasons of my life.”

“Sometimes we face trials we didn’t choose or see coming. And in those moments, we’re forced to make the hardest decisions to protect our peace, our children, and our future,” Reid continued.

The businesswoman explained that “leaving was an act of love.”

The exes wed in 2018. kaylaraereid/Instagram
They share three kids. kaylaraereid/Instagram

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She filed for divorce on March 26, according to court documents obtained by Page Six.

Lochte shared at the time that he was “deeply grateful” for the life they built together as well as the “love [they] share” for their three kids: son Caiden Zane, 8, and daughters, Live Rae, 6, and Georgia June, 2.

“Although this decision hasn’t been easy, I believe it’s the right step toward peace and well-being for us both. I remain committed to healing, growth, and co-parenting with care and respect as we move forward separately,” the athlete said.

Lochte and Reid have garnered $270,000 in debt. Getty Images
The pair reportedly owe payments to the IRS and hospital. WireImage

Days later, Page Six reported that the estranged couple had taken on nearly $270,000 in debt.

According to documents obtained by Page Six, the real estate agent and Lochte owe $99,696 to the Internal Revenue Service (IRS). They also reportedly received a $2,231.76 lien from the Fletcher Park Owners’ Association in December 2024, due to “unpaid” costs, “late fees” and “attorney fees.”

The former couple is also on the hook for $127,977.73 to the Shands Teaching Hospital and Clinic, where Lochte may have been treated after getting into a near-fatal car accident in 2023.

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