Wedding season brings all the exciting things—bouquets, dress fittings, cake tastings, and, of course, the big “I do.” But there is one part of the planning process that is often overlooked, even though it can be just as important as picking the venue: a prenuptial agreement.
While prenups may not sound romantic, they offer a practical way to protect both partners and reduce financial misunderstandings down the road. Marriage is not just an emotional commitment—it is a legal one. Taking time to plan your financial future together can be a meaningful way to show trust, encourage open communication, and lay the foundation for long-term stability.
Why Couples Should Be Saying “I Do” to Prenups
With the average U.S. wedding now costing around $33,000 — and more than half of newlyweds taking on debt to pay for it — money conversations before marriage are more important than ever. Financial stress is one of the leading causes of conflict in relationships, and factors like student loans, rising debt, and economic uncertainty only add to the pressure.
In fact, a recent CNBC report found that 54% of people say a partner’s debt could be a dealbreaker in deciding whether or not to get married. That is why having “the money talk” before walking down the aisle is key, and a prenup can help guide that discussion with clarity and structure.
2 Smart Prenup Tips for Couples This Season
- Do Not Wait
Start the conversation early — well before the wedding. Talking about finances while things are calm and future-focused helps both partners feel heard, respected, and on the same page. - Make It a Team Effort
A prenup should reflect both partner’s values and goals. Discuss student debt, spending habits, financial priorities, and long-term plans. The more you align now, the less confusion or conflict there will be down the road.
Already Married? Postnups Offer a Second Chance
If you are already married, it is not too late to create a financial plan together. That is where postnuptial agreements come in. Postnups work similarly to prenups but are signed after the wedding. They allow couples to revisit finances and expectations as life evolves — whether that is a career change, a new business, or simply wanting more clarity.
A postnup is not necessarily a sign of trouble—it can be a tool to strengthen your partnership through mutual understanding and transparency.
Consult an Attorney
Whether you are planning your wedding or well into your marriage, consulting a family law attorney is one of the most important steps you can take. An attorney can help you understand your options and help you draft a prenup or postnup that protects both parties and is enforceable under state law.
Marriage is about love and commitment, and having clarity around your finances and legal rights is one of the most meaningful investments you can make in your future together.
