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Home Resources Personal & Family 5 Ways a Prenup Can Help Your Marriage

5 Ways a Prenuptial Agreement Can Divorce-Proof Your Marriage

Gold Tetsola

Updated December 6, 2022 | Written by Gold Tetsola
Reviewed by Brooke Davis

It’s easy to be swept along on the crest of a rose petal-littered wave in the heady days of an early romance, and that’s wonderful. It would be best if you enjoyed every minute. But when the engagement rings come along, make sure you and your partner take a step back from the excitement. You should have a careful overview of your current financial and legal situation and consider whether a prenuptial agreement is appropriate for you. After all, underneath the cake, flowers, and wedding attire, a marriage is a potentially life-long financial contract that you should go into with your eyes open and a clear plan upon which you both agree.

Getting on the same page about money is the cornerstone of a healthy, happy, and supportive relationship. Here are the five ways having a prenuptial agreement discussion can help divorce-proof your marriage.

Prenups encourage honesty

Before the vows are spoken, now is the time to get honest with your partner about your financial situation. Writing a prenuptial agreement is a chance to lay out all the cards on the table and get, proverbially, financially naked. Are you or your partner burdened by credit card debts or lingering student loans? What is your credit rating? What property and assets do you own, and what are you expecting to inherit?

Entering a marriage is a serious, legally binding, and potentially lifelong financial contract. Wouldn’t you consider other long-term investments, like buying a home or starting a business, with the same gravity? Wouldn’t you want to know what you’re getting into first? If there are some financial assets or burdens you haven’t yet disclosed to your partner, they’ll want to hear it sooner rather than later.

So hold a space with your partner where you can be upfront, non-judgmental and realistic. It’s time for full disclosure.

Prenups help you start to plan your sexy financial life together

This might be your first time to sit down and have a severe discussion about finances but prepare for many of them. They will come when you need to take out a mortgage, pay the bills, plan a holiday, save for your kids’ college education, or plan for your pension – there’s a long list of financial marriage milestones coming your way.

Drawing up a prenuptial agreement is an opportunity to fine-tune and align your financial wishes for the future and ensure you are on the same page. After all, according to the Institute for Divorce Financial Analysts, financial disagreement is one of the leading causes of a marriage breakdown.

You’re on the same team now. It is much sexier to be on top of your budget and mutually work towards a financial plan than fighting over who should pay which bill and letting resentments (and debts) build-up. Your future together will be much more secure if you learn to have these conversations maturely and respectfully.

wedding engagement with diamond rings

Related: Which Financial Issues Cause Marriage Conflicts? (Survey)

Prenups protect each of you in the worst-case scenario (the dreaded D- word)

Marriage should be one of your life’s most significant and heartfelt commitments. Who wants to prepare for the worst when they are hoping for the best? Nevertheless, you will hear a much more pragmatic take on the subject of prenups from someone who has gone through a nasty divorce and learned their lesson the hard way.

Couples dragging each other through the mud for every last penny while clocking up astronomical legal fees are more common than you may imagine. According to Forbes, the average divorce costs between $15,000 and $30,000.

Have the emotional honesty to admit that many things could go wrong between you, and while you will each endeavor to work together through the issues you encounter, divorce may be the only option left. Having a prenup in case of divorce will make that process far smoother and pain-free (and less expensive, too).

Prenups allow you to make your own rules.

Like you may opt to write your wedding vows rather than using those prescribed by whichever religion you and your families believe in, selecting your prenuptial agreement allows you to take control rather than falling back on the default of your state law.

State law determines how your property is divided in case of a death or divorce. In the eyes of the law, “equal” and “fair” are not necessarily the same. Generally, your property will be divided equally if you live in what is known as a Community Property State. In contrast, your property will be divided fairly if you live in a Shared Marital Property State. When dividing property “fairly” in divorce proceedings, judges will consider whether one partner sacrificed their career to raise the family, has become disabled, or obtained a generous retirement package.

As Erik Newton states in a New York Times article, “Every married couple has a prenup, whether they want one or not… The question is not whether you should have a prenup, but whether you want your state’s default version of one.”

It’s your prerogative to fall back on your state’s default law, but a prenuptial agreement offers you much more control to assert your definition of “fair”.

Related: What Does It Mean to Sign a Prenup?

Prenups whip off those rose-tinted glasses

During these financial discussions with your partner, you encounter some non-negotiable issues. You may sense a severe mismatch between your visions for your future, your values, and your approach to financial management.

Perhaps you’ll see warning signs that your partner will be overbearing, controlling, or emotionally abusive. Or maybe they seem disengaged and irresponsible. In the twenty-first century, both partners can take equal responsibility in the financial affairs of marriage. Embrace this new equality and share it accordingly.

Before you are legally bound to this person for the foreseeable future, now is your opportunity to address any conflicts, compromise, or go your separate ways. Those rose-tinted glasses can’t stay on forever.

marriage between bride and groom holding flowers

Opening the Prenuptial Agreement Discussion

A taboo still lingers around the topic of prenuptial agreements. They have a bad reputation, partly because of tales of unscrupulous wealthier husbands and their families coercing brides into signing a prenuptial in the weeks or even days leading up to the wedding. In the eyes of the law, however, coercion is generally grounds for dismissing the legality of a prenuptial agreement.

Thankfully, the public discourse is now shifting, and many women and men have begun to embrace the prenuptial agreement as an empowering tool that helps protect their rights in divorce. But if you’re still hesitant to bring up the word in front of your fiancée, fearing to be seen as a greedy and selfish cad, then reframe it as a financial planning discussion for your future together. Suppose you can demonstrate to your partner that you’re concerned about aligning your future wishes and have an honest conversation. In that case, the topic will come around much more naturally. You may even decide that you agree with your state’s existing marriage property laws or that your assets are too small to need one. But in the end, it’s worth opening up the topic for discussion and coming to that conclusion together.

Gold Tetsola

Gold Tetsola

Personal & Family Editor

Gold Tetsola is a staff writer at LegalTemplates, his BA in English Literature & Language inspires him to navigate and simplify the complex issues of personal and family law.

Related Articles

  • The Case For the Prenup
  • Can I keep my engagement ring?
  • Should You Get a Prenup?
  • How To Protect Assets in a Divorce Without a Prenup
  • The Pros and Cons of a Prenuptial Agreement

In This Article

  • Prenups encourage honesty
  • Prenups help you start to plan your sexy financial life together
  • Prenups protect each of you in the worst-case scenario (the dreaded D- word)
  • Prenups allow you to make your own rules.
  • Prenups whip off those rose-tinted glasses
  • Opening the Prenuptial Agreement Discussion

Free Prenuptial Agreement Template

Use our free Prenuptial Agreement to detail how your wealth and belongings will be handled if your marriage ends.

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