Why You Might Still Need a Prenup (Even If You Don’t Have Many Assets)

What Most People Think:

"I don’t own much, so getting a prenup would be overkill."

It’s a common thought. After all, aren’t prenups just for billionaires, trust fund babies, or tech moguls?

Not anymore.

The idea that prenups only make sense if you’re rich is outdated, and in many cases, dangerously naive.

Why That’s a Problem

Because the time you think you don’t need a prenup is usually when you’re least protected.

You may not have much now, but what about in five years?

• What if your business takes off?

• What if you inherit a property or large sum?

• What if you’re hit with debt that wasn’t fully disclosed?

Prenups don’t just protect what you have. They protect what you build.

And without one? Your state’s default divorce laws decide, and they’re rarely in your favor.

Read: What Makes a Prenup Invalid (And How to Avoid It)

The Truth No One Talks About

Prenups aren’t about pessimism, they’re about clarity and control.

Here’s what a good prenup can protect:

• Debt clarity - not just assets

• Future earnings - equity, bonuses, or professional degrees

• Business ownership - even if the business hasn’t grown yet

• Intellectual property or royalties

• Children from a previous relationship

This isn’t about expecting divorce. It’s about creating a calm, clear roadmap.

Not sure what to include? Use this Prenup Checklist to make sure you don’t miss anything important.

How to Get It Right

The biggest mistake? Waiting too long, or showing up unprepared.

That’s when misunderstandings start, emotions flare, and lawyers rack up the billable hours.

Instead:

• Get clear on what matters to you

• Understand how state laws impact prenup validity

• Avoid the red flags that can make your prenup unenforceable

• Know the difference between a DIY prenup and one reviewed by a lawyer

Also Read: Lawyer vs DIY Prenup — Which One’s Right for You?

A Smarter Way: Try the AI Prenup Advisor

Before you pay a lawyer or bring it up with your partner, try the AI Prenup Advisor.

It’s a free, private tool that helps you:

• Build a tailored prenuptial checklist

• Learn what clauses make sense for your situation

• Get sample phrasing for how to ask for a prenup

• Flag legal risks like inadequate disclosure or vague terms

• Walk into your attorney’s office prepared and confident

See How One Business Owner Used the Tool to Protect His Company

Bonus: What If You're Already Married?

If you're thinking, "Is it too late for a prenup?" the answer might be a postnup, a similar legal agreement signed after marriage.

Read: Prenup vs Postnup — Which One Do You Need?

Final Thought

You don’t need to be rich to need a prenup. You just need to be smart about protecting your future self.

This is about peace of mind, not paranoia.
Clarity, not control.

👉 Try the AI Prenup Advisor Now, no pressure, no strings attached.