Everything you need to know about prenups
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SO, WHAT IS IT?
What is a prenuptial agreement?
A prenuptial agreement (prenup) is a contract between two people who are about to get married. This contract lists all the terms you agree to abide by in the event of a divorce (and sometimes death) and details the assets that you hold as a couple or individually. The contract must be signed before the wedding day, otherwise it is not valid. 

Most couples use a prenup like financial planning tool, allowing you and your future spouse to discuss how assets and debt will be managed during the marriage, too. The terms of a prenup can determine assets, debt, alimony (spousal support), inheritances, gifts, taxes, joint bank accounts, pet custody, child planning, infidelity clauses, and much more.
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100% of marriages end — either in death or divorce.The question is: will you write the ending? 
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reasons to get a prenup
Are prenups just for the wealthy?
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Do you own a business or are you a partner in one?
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Are you entering into a second marriage?
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Do you have children?
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Do you anticipate a large inheritance?
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Do you have significant debt?
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Do you have property you want to protect?
Prenups are a good idea for all couples to consider.
Anyone with earning potential, assets, debt, children or dependents, or expecting future inheritance should consider a prenup.
Without a prenup, your state will decide what’s best for you (and when has that worked out well for anyone?)
reasons to get a prenup
Real life examples
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Keeping assets separate

Kelly and Josh are in their mid 30’s, and are engaged to be married. Kelly purchased a condo a year before she met Josh, and since she and Josh have been dating, he moved in and now pays her rent. They also share the other expenses associated, like utilities, etc. Kelly wants to make sure that even after they are married, her condo remains her property alone. Afterall, she purchased it with her own money. Kelly wants to protect both her initial investment (the downpayment), as well as any appreciation in value on the condo during their marriage, even while Josh is living there or if the condo is their primary marital residence. After all, this condo was her investment which she worked hard for and materialized on her own!


In their prenup, Kelly can list the condo as her separate property, and specify that the condo, including any appreciation on the property during their marriage, should remain hers and hers alone. If the condo is sold in the future, the proceeds will be Kelly’s separate property. If the proceeds from the sale get rolled into a joint marital home that Kelly and Josh buy together, the prenup can specify that the funds from the sale of her condo should remain her separate property, and not become marital (or community) property.


Why does this matter? Depending on what state the couple lives in and the length of marriage, the condo that Kelly bought could become marital property and subject to division in a divorce. A prenup allows the couple to prevent this from happening by agreeing that an asset, like Kelly’s condo, along with any appreciation and the associated mortgage, remain Kelly’s separate property as well as separate debt.
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Student debt

Plot twist! Kelly has $200,000 in student debt from her undergraduate and graduate degrees. She plans to enroll in a PHD program at some point in the next couple of years, and will likely need to take out more student loans. Josh, on the other hand, has no student debt. Kelly and Josh can specify in their prenup that any debt, including Kelly’s premarital student debt as well as any school debt she accrues in the future, should remain her debt alone and not be considered joint marital debt at any time.


Why does this matter? In a divorce, judges in many states have immense discretion as to how debt should be distributed among the parties. In certain situations, a judge could choose to attribute some of one spouse’s debt to the other, especially in the case where the other party directly benefited from the result of that debt.
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Financial gifts

Kelly’s parents regularly give her monetary gifts, and they plan to continue doing so after Kelly and Josh are married. Josh is pumped because he is really sick of working and these monetary gifts mean he could cut back on work, vacation more, or even pursue his hobby of becoming a surf instructor. Kelly thinks those monetary gifts should be considered her separate property and invested in her separate investment account. She does not believe those gifts should be considered marital or community property, because they come from her parents. By having a prenup, Kelly and Josh will have the right to decide together exactly how monetary gifts should be classified in their marriage, and are free to choose whether those monetary gifts should remain Kelly’s separate property or become marital or community property that is shared by the couple.

Why does this matter? Without a prenuptial agreement, in most states, monetary gifts received during marriage will be considered marital, or community property. A prenup allows couples to decide if they would like those monetary gifts to be considered separate property.
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Inheritance

Kelly’s parents plan to pass down a significant inheritance to her in the future. While they are excited to welcome Josh into their family, they do ask Kelly and Josh to consider a prenuptial agreement to protect any inheritance they pass down to her in the future. Kelly and Josh agree that any inheritance from either of their parents should be considered the property of the spouse from whose family the inheritance comes. The categorization of inheritance as separate property can be written into a prenuptial agreement. This is becoming more common as an unprecedented generational wealth transfer is beginning to occur between baby boomers and their millennial children. It is common for parents to request that their children obtain a prenup prior to marriage in order to protect family businesses, wealth, or other family assets.

Why does this matter? Without a prenuptial agreement, inheritance may or may not be considered marital property. In certain states, inheritance is automatically excluded from the marital estate. In other states, if it was received during the marriage, it is automatically considered marital property. Many parents who are considering passing down their wealth to their children, either in trusts or through other mechanisms, are concerned about the prospect of their hard-earned wealth being split during a divorce.
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The business owner

Larry is a w-2 employee and conservative with finances. Jerry, his fiance, is an entrepreneur and much more of a risk taker. Jerry’s decision to start a business may prove more risky, but may also pay off handsomely. Larry and Jerry can stipulate in their prenup that any debt Jerry incurs as a result of starting or running his business should be solely his. In addition, they can agree that all income or equity derived from that business should be solely his as well.

Why does this matter? Without a prenuptial agreement, Larry may be responsible for some of Jerry’s business debt, as well as entitled to some of Jerry’s business. The most extreme and perhaps more complex divorce cases arise when one spouse is a business owner and the judge deems the other spouse entitled to some of that equity or to the value of half of the business-owner spouse’s equity. In this case, the parties will likely end up in very expensive divorce litigation, involving business valuation experts, inquiry into the operations of the business, and possibly even a trial. A prenup can help avoid all of that by allowing couples to decide together whether they want that business to be considered separate property, or whether it should be considered marital.
How a prenup benefits you
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Discuss your dreams, desires, and goals for your marriage
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Protect your current and/or future business
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01. Allows you the opportunity to discuss your dreams, desires, and goals for your marriage.

A prenup cannot govern how often (or how little…) you are required to see your in-laws each year, but having that conversation can certainly be a part of this discussion, among many others while talking about your prenup. You can cover non-financial lifestyle details by way of talking about whether or not alimony should be waived. Like, does one of you plan to stay home and raise the children? If one of you does leave their career for a few years, what happens financially to that spouse’s interest in the assets or alimony? This is really important to think about and gets into the gender wealth gap conversation.

02. Spousal Support and Alimony

You can limit or waive the amount of spousal support that would otherwise be required if you did not have a prenup. State laws or guidelines, which vary greatly, dictate the factors to be considered and the calculation of alimony or spousal support. In a prenup, you have the power to decide whether or not alimony will be paid!

03. Protect your business.

A prenuptial agreement allows you to protect your business from being subject to the involvement or control of the other spouse in a divorce. Ask Jeff Bezos who has learned this the hard way

04. Make sure you are on the same page.

As we love to say, “you are starting your life together… make sure you are on the same page.” A prenuptial agreement allows you to decide what assets are premarital, what should be marital assets, and what should happen to inheritance. Should it be marital, or remain separate? You decide. These conversations are essential to a healthy, happy, and long marriage.

05. Second marriages will greatly benefit from a prenup

Prenups protect the financial interests of individuals in a marriage, and this can be especially true when they get married older, or as a second marriage. A prenup for a second marriage provides a layer of protection by allowing couples to ensure their premarital assets that should be reserved for the benefit of their separate children, do not become marital or community property. Check out our article on a Second Marriage survivor’s story and why you need a prenup.

06. Can you really put a price on peace of mind?

Maybe. How does $599 sound? #KiddingNotKidding. The average prenup will cost about $2,500 per person if you hire an attorney to negotiate and draft your agreement. HelloPrenup offers a prenuptial agreement at $599. And, if you want to hire an attorney to assist with that draft? Easy peasy! Just send them the easily downloaded Word doc.

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Decide if certain laws like Spousal Support/Alimony are right for you
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Navigate property division with clarity
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Second marriages and second chances
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Ultimate peace of mind for a lifetime
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How do I get a prenup?
When it comes to creating a prenup, most couples feel stuck between two options:
  • Hiring an attorney (expensive, intimidating, and often overkill for straightforward finances)
  • Going DIY online (cheap, but risky—you worry it won’t hold up in court)
With HelloPrenup, you don’t have to compromise. You can complete your prenup just you two, or include attorneys for both of you, too.

Using HelloPrenup means you get the legitimacy and protection of an attorney-reviewed process with the affordability and convenience of an online platform.
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concerns that we solve
Why couples choose HelloPrenup
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”If my finances were complicated, I’d hire an attorney.”
 For many couples, they’re not. HelloPrenup is built for people with clear, uncomplicated financial situations who want peace of mind without the legal bill.
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“I considered an attorney but couldn’t justify the cost.”
Attorneys can cost thousands. HelloPrenup starts at a fraction of that—without sacrificing security.
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“I don’t fully trust attorneys.”
Many couples worry lawyers are motivated by billable hours. HelloPrenup is transparent, affordable with flat fees, and built with fairness in mind.
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“I thought about writing one myself.”
Whether using AI or Googling templates, most realize a DIY prenup may not hold up in court. HelloPrenup gives you a real, enforceable legal document you can trust.
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How couples find peace of mind
Most people start their journey skeptical. They Google. They check Reddit.
They even ask ChatGPT. They worry: *Is HelloPrenup legit?*
Then comes the “aha moment.

Suddenly, the anxiety lifts—because they see HelloPrenup is built to protect them, not trick them.
They see HelloPrenup
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Learn more about us
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The outcome
A prenup isn’t just paperwork. It’s confidence in your future.
With HelloPrenup, couples know:
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If separation ever happens, they’ll be treated fairly
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Their agreement is legitimate, enforceable, and comprehensive.
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They got it done together, simply, and affordably.
No compromises. No second-guessing. Just peace of mind.
What does a prenup include?
Think of a prenuptial agreement as your playbook for building a life together. It lays out your game plan so both you and your partner decide the rules for your marriage and what the plan is if things don’t go according to plan. Here’s what your playbook can cover:
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Marital vs. separate property
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A prenup allows you to decide what you want to be considered separate property vs what you want to consider marital property. Separate property often includes assets spouses owned before getting married or assets that were gifted or inherited. In general, a prenup can determine how marital property is divided and how separate property is treated.

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Protections against the debts of the other spouse
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Without a valid prenup, you could be liable for your spouse’s debt. This is a hot-button topic for couples marrying who have student debt (doesn’t almost everyone?) Limiting your debt liability, instead of having each spouse owe half of everything, including the debt, can substantially limit the stress on a relationship.

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Children from prior relationships, if applicable
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Alimony/Spousal Support
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Usually, the lower-earning spouse is entitled to alimony from the higher-earning spouse. Alimony and spousal support are calculated depending on state law.

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Pets, if applicable
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If you share a pet or pets, then it’s worth thinking about what will happen to them as you draw up your prenuptial agreement. In the event of a divorce, will one of you keep your pet? Will it depend on your living situation or income at the time of separation? This issue can become remarkably fraught and is often overlooked.

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Gifts
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Spouses may receive certain gifts from family members during their marriage, ranging from cash to a car to jewelry. Prenups can group all gifts belonging to one of the parties and classify those gifts as separate property and not subject to division in the future.

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Sunset clause, if desired
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A sunset clause is a creative way for your prenup to expire at a certain date and can ease the tension when discussing the provisions of a prenup.

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Infidelity clause, in some states
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Infidelity clauses are becoming more and more popular these days, but beware- they are not always enforceable. Many infidelity clauses impose a financial penalty for cheating. Although these clauses are not always enforced by courts, sometimes that is not the point. Instead, a cheating clause will act as an emotional understanding between the couple, ensuring they are on the same page.

What can’t be included in a prenup?
There are things that you cannot include in a prenup:
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Incentives
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Prenuptial agreements cannot encourage divorce, such as giving a spouse a monetary incentive to get divorced.

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Child custody
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This may not be included in your prenup because the rights of children cannot be contracted away in a prenuptial agreement.

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Child support
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Child support is dictated by state laws or guidelines that provide for a specific calculation. Each state is different. Any provision that attempts to control or limit the amount of child support will not be valid.

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Tasks or responsibilities of partners during marriage
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Provisions that delegate daily tasks or spousal duties that are not financial in nature may not be included. So, no, you cannot include provisions that require your spouse to have sexual relations with you a certain number of times a week or require that they remain under a certain weight. Celebrity lifestyle clauses are synonymous with these provisions, but we wouldn’t recommend including them as they will not be enforced!

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Provisions
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Provisions that deprive a spouse of all assets and income, and therefore render them dependent on public assistance after a divorce are against public policy and not enforced.

A prenup is no longer a taboo — it’s a to-do.
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