Pull up a chair, grab your favorite drink, and let’s talk about something that feels a little awkward but is honestly one of the most empowering things you can do for your relationship: the prenup.
I know, I know. It sounds so un-romantic, right?
Like you’re planning for a divorce before you’ve even said “I do.”
But let’s flip the script.
A prenup isn’t about expecting failure; it’s about building a strong, transparent foundation for your success.
It’s a financial love letter that says, “I love you so much that I want us to be crystal clear and protected, no matter what life throws at us.”
Think of it like the ultimate rulebook for a board game.
You both agree on the rules before you start playing, so there are no nasty surprises or arguments halfway through.
So, let’s get into the good stuff! Here are 20 prenup ideas that go way beyond the basics.
1. The “What’s Mine Before Stays Mine” Clause
This is the classic.
Any assets you bring into the marriage (your savings, investments, that inheritance from your grandma) remain separately yours.
❤️👇🏻Prenup specific tip #1:
START EARLY.
Do NOT spring this on your fiancé(e) a month before the wedding.
That’s a disaster waiting to happen. Bring it up as part of your broader financial planning conversations, ideally 6-12 months before the big day.
2. The “My Business is My Baby” Clause:
If you own a business, this is non-negotiable.
Protect the company you’ve poured your blood, sweat, and tears into. You can specify that your spouse has no ownership claim to the business itself.
❤️👇🏻Prenup specific tip #2:
Frame it as a “We” Thing, Not a “Me” Thing. Use “we” and “our” language.
“How can we make sure we’re both protected?”
“I want us to go into this feeling secure about our future.”
This is a team project.
3. The “Debt Stayeth With Me” Clause:
You come in with student loans?
He’s got credit card debt?
A prenup can ensure you don’t become responsible for each other’s pre-marital debts.
❤️👇🏻Prenup specific tip #3:
GET YOUR OWN LAWYERS.
I’m using caps because this is the most important tip.
You each need your own independent lawyer who is looking out for YOUR best interests.
One lawyer for both of you is a massive conflict of interest and can get the whole agreement thrown out.
4. The “Future Inheritance” Safe:
Even if your rich aunt hasn’t kicked the bucket yet, you can specify that any future inheritance you receive remains your separate property.
❤️👇🏻Prenup specific tip #4:
Full Financial Disclosure is NON-NEGOTIABLE.
You have to lay all your cards on the table—assets, debts, everything. Hiding anything is fraud and will invalidate the contract.
5. The “What We Build Together” Plan:
This is for marital property—the money you earn and the things you buy together after “I do.”
Decide how you’ll split that 50/50, 60/40, or based on your income contributions.
❤️👇🏻Prenup specific tip 5:
Keep it Fair.
A judge can throw out a prenup if it’s deemed grossly unfair or unconscionable. The goal is protection, not punishment.
If you are reading this blog post till now, there’s one thing for sure…
You have good taste! <3 If you approve of some of these looks, please kindly pin or share some of these outfits so many tasteful fashion babes can come across this outfit inspo, thanks pretty! ❤️
And…it would truly mean the world to me if you stay until the very end. ❤️
6. The “Pets are Family” Rider.
Seriously! Who gets custody of Fido or Princess Fluffybutt?
In the eyes of the law, pets are property, but you can outline a shared custody agreement or who the primary guardian will be.
❤️👇🏻Prenup specific tip #6:
It’s a Living Document.
Your lives will change!
You can often amend your prenup with a “postnuptial agreement” if you have kids, get a huge inheritance, or have a major shift in circumstances.
7. The “Stay-at-Home Parent” Pension:
If one of you pauses a career to raise kids, this can set aside funds or a higher percentage of assets to compensate for their lost career momentum and retirement savings.
❤️👇🏻Prenup specific tip #7:
Don’t Use it as a “Gotcha!” Tool.
This is the fastest way to destroy trust. The prenup should never be used to sneak in a clause you know the other person would hate. Transparency and good faith are the only ways this works.
8. The “Social Media & Digital Assets” Detail.
Your Instagram handle, that budding YouTube channel, a cryptocurrency wallet—these have value! Outline who gets what.
❤️👇🏻Prenup specific tip #8:
You Can Have a “Postnup” Too!
Life happens!
If you realize you need a prenup after you’re already married, you can create a postnuptial agreement. It serves the same purpose, just with a different timeline.
9. The “Specific Sentimental Items” List.
That vintage record collection your dad gave you?
Your great-grandmother’s wedding ring? List them as separate property so there’s no future dispute.
❤️👇🏻Prenup specific tip #9:
Talk Values, Not Just Numbers.
Before you even get to the lawyers, talk about the why. “Why is protecting my family business important to me?” “Why does the idea of alimony make me anxious?” Understanding the emotion behind the numbers is everything.
10. The “Alimony Waiver or Cap.”
Also known as spousal support. You can both agree to waive it entirely, or set a specific limit on the amount and duration, so there’s no open-ended financial obligation.
❤️👇🏻Prenup specific tip #10:
Schedule a “Money Date.”
Don’t have “The Prenup Talk” while you’re stressed, tired, or in the middle of wedding planning.
Make a dedicated, low-stress date out of it. Go to a quiet café, open a bottle of wine at home, and create a safe, calm space to chat.
11. The “Cheating Clause” (or Infidelity Clause).
Some couples choose to include financial penalties or altered terms in the event of infidelity.
It’s a big one, so this requires a very honest conversation.
❤️For my baddies who wanna spoil themselves: ❤️
It’s almost Christmas (in two months!!)…for the baddies who wanna spoil themselves but don’t wanna break the bank… check out the bags babies below❤️
From my backend data, almost every 3 days someone from LTK and my email list will buy these two bags lol (Different sizes - some prefer mini some prefer the normal).
It's always so fun see from data to know what you girls prefer!
12. The “How We Split the House” Plan.
If you buy a house together, how will you handle the equity?
Will one person have the right to buy the other out?
Will you force a sale?
13. The “Family Heirlooms” Protection.
Similar to sentimental items, this specifically protects items that are meant to stay in your biological family line.
14. The “Death & Prenup” Link.
A prenup can work in tandem with your will. It can ensure that the assets you want to leave to your children from a previous relationship are protected.
15. The “Stock Options & Bonuses” Breakdown.
If one of you has a lucrative job with complex compensation, you can decide how unvested stock options or future bonuses earned during the marriage are split.
16. The “Creative Work” Royalty Rule.
Are you a writer, musician, or artist? You can protect the future royalties and copyrights of the work you create, even during the marriage.
17. The “Financial Responsibilities During Marriage” Guide.
This isn’t always enforceable in a divorce, but it’s a great communication tool. You can outline who pays for what bills, how you’ll handle joint savings, etc.
18. The “Debt We Incur Together” Rule.
Just as you can protect against old debt, you can define responsibility for new debt—making it clear you’re only liable for debt you co-sign.
19. The “Sunset Clause.”
This is a cool one! You can make the prenup expire after a certain number of years of marriage, once you’ve built a life that’s fully intertwined.
20. The “Mediation First” Mandate.
Require that you both go through mediation (a less adversarial process) before anyone can file for divorce in court. It saves money and heartache.
FINAL THOUGHTS:
So there you go my loves – 20 secret Prenup Ideas You Haven’t Thought Of.
I hope now you have a better understanding about the prenup my loves <3
Leave a comment