We live in a world where we insure everything: our homes, our cars, our phones, our vacations, even our pets. We buy extended warranties, backup plans, and “just in case” coverage for nearly every part of our lives.
Except when it comes to marriage.
Even though divorce rates in many U.S. cities remain significantly higher than the national average, the national divorce rate itself is closer to 40–45%, depending on methodology. Yet despite this very real risk, only about 15% of married or engaged couples have a prenuptial agreement, even though 50% of U.S. adults say they are open to signing one.
Leading prenuptial agreements, or the lack of them, is one of the biggest disconnects between risk and preparation in modern life.
A Prenup Is the Simplest Way to Avoid a Messy Legal Process
New York’s divorce laws are detailed and specific, and navigating the legal system can be lengthy and expensive. But there is one straightforward way to avoid unnecessary conflict and uncertainty: a properly drafted prenuptial agreement prepared by attorneys who specialize in New York law.
It’s the closest thing to “marriage insurance” you can get.
If Any Other Product Had a 40–45% Chance of Being Needed…
Imagine being told there’s a 40–45% chance you’ll need a particular product, but only 15% of people buy it. You’d think they were out of their minds.
Today’s consumers research everything. We read reviews, compare prices, ask friends, and make informed decisions. Yet when it comes to marriage, one of the biggest financial commitments of someone’s life, many people rely on fairytale thinking instead of practical planning. There is no reason not to be prepared for anything, even in a perfect story-book marriage.
We Carry an Umbrella for a 20% Chance of Rain
If a meteorologist predicts even a 20% chance of rain, most of us toss an umbrella into our bag. But when it comes to protecting our life savings, businesses, or future earnings, many people hesitate, like signing a legal document might “jinx” the marriage.
This kind of magical thinking is common. As Psychology Today notes, we avoid planning for unpleasant possibilities because we hate surprises and love feeling in control. Ironically, avoiding a prenup gives you less control, not more.
Every Couple Needs a Prenup
Many couples dismiss prenups because they don’t consider themselves wealthy. But wealth isn’t the point; clarity is.
A prenup protects:
- future earnings
- retirement accounts
- real estate
- businesses
- inheritances
- and yes, debt
Debt is often the biggest blind spot. Student loans, credit cards, business loans, these can become shared burdens without a prenup. A prenup ensures you’re not suddenly responsible for debt you didn’t incur or are unwilling to help shoulder.
And as your assets grow over the next 10, 20, or 30 years, you’ll be grateful you protected them early.
Prenups Are on the Rise
Modern couples, especially millennials and Gen Z, are embracing prenups as part of responsible financial planning.
One study on marriage and prenuptial agreements shows:
- 50% of U.S. adults are open to signing a prenup
- 78% of millennials view prenups as practical financial tools
- 41% of millennials already have one or plan to get one
- 68% of couples who sign prenups feel more secure about their financial future
Prenups are no longer taboo. They’re modern, smart, and increasingly common.
Plan For Success No Matter What
Individuals plan for success all the time, but why not plan for marital success beyond lasting love or in the event you grow apart?
You set goals, work hard, and build your future intentionally. But without a prenup, one unexpected divorce could force you to spend the next 20 years rebuilding what you already achieved.
Your current net worth doesn’t matter. A prenup protects the future you’re working so hard to become. Not only will it protect the future you are working for, but it will also protect the future your loved one is working for.
Make the Smart Decision for Your Future
A prenuptial agreement is not pessimistic. It’s responsible, protective, and empowering. It gives you control, clarity, and peace of mind. The same things you seek in every other area of your life.
Visit www.nycprenup.com to begin the process.
Our New York City–based attorneys specialize exclusively in prenuptial agreements and are ready to assist you every step of the way.