Discussing a prenuptial agreement before marriage isn’t the most exciting conversation, but it is one of the most important. A prenup isn’t about planning for divorce—it’s about protecting both partners, setting clear financial expectations, and ensuring that assets and debts are handled in a way that makes sense for your future.
If you’re getting married in Texas, you may be wondering:
- Do I really need a prenup, or is that just for wealthy couples?
- What happens if we don’t have one?
- How do we bring up this conversation without creating tension?
These are all valid concerns. Understanding what a prenuptial agreement does, what it covers, and how it can benefit both partners is key to making an informed decision.
What is a Prenup, and Why Do People Get One?
A prenuptial agreement is a legally binding contract that outlines how a couple’s assets, debts, and financial matters will be handled during the marriage and in the event of a divorce. While many people assume prenups are only for high-net-worth individuals, they can actually provide security for anyone who wants to protect their financial future.
Consider these scenarios:
- One or both partners own property, a business, or investments they want to keep separate.
- One person is entering the marriage with significant debt, such as student loans or credit card balances.
- Either spouse expects to receive an inheritance and wants to ensure it remains with their family.
- There are children from a previous relationship, and the parent wants to protect their assets for their children’s future.
- One spouse plans to leave the workforce to raise children, and they want financial security in case of divorce.
If any of these situations apply, a prenuptial agreement can provide clarity and peace of mind.
What Happens If You Don’t Have a Prenup?
Texas is a community property state, which means that anything acquired during the marriage—whether income, assets, or debts—belongs equally to both spouses. If a couple divorces without a prenup, the court will divide all marital property in what it determines to be a fair and just manner.
Without a prenup, you could face unexpected financial consequences, such as:
- Having to divide business ownership with your spouse, even if they had no involvement in running it.
- Splitting retirement accounts or savings that you may have planned to keep separate.
- Being responsible for your spouse’s debt, even if they accumulated it without your knowledge.
If these are concerns, a prenuptial agreement allows you to define exactly how assets and debts should be handled instead of leaving it up to the court.
What Can a Prenuptial Agreement Cover?
A prenup allows couples to customize financial agreements in a way that works for both partners. In Texas, a prenuptial agreement can legally include:
- Division of property and assets, including real estate, bank accounts, businesses, and investments.
- Debt responsibility, ensuring that one spouse is not responsible for the other’s debts.
- Spousal support (alimony) terms, including whether one spouse will receive financial support after a divorce.
- Management of financial accounts, including whether earnings during the marriage will be combined or kept separate.
- Protections for inheritances or family assets that one partner wants to keep within their family.
However, Texas law does not allow a prenup to dictate:
- Child custody or child support—these must be determined by the court based on the child’s best interests.
- Anything that is illegal or unfairly one-sided, as a court can invalidate an unreasonable agreement.
Common Myths About Prenups
“Prenups are only for wealthy people.”
A prenuptial agreement is not just for high-net-worth individuals. It can benefit anyone who wants to protect their financial future and ensure that assets and debts are handled fairly.
“If I ask for a prenup, my fiancé(e) will think I don’t trust them.”
A prenup is not about mistrust—it is about clarity and protection. Many couples find that discussing financial expectations before marriage strengthens their relationship.
“Prenups aren’t enforceable in Texas.”
If properly drafted and signed voluntarily, a prenup is fully enforceable in Texas. However, if the agreement is found to be unconscionable, was signed under pressure, or was made without full financial disclosure, it may be challenged in court.
“We can just do a postnup later if we need one.”
While Texas allows postnuptial agreements (agreements signed after marriage), they can be more difficult to enforce. A prenup provides more certainty upfront.
How to Bring Up the Prenup Conversation
Many couples hesitate to discuss a prenup because they worry it will create conflict. However, approaching the conversation in a practical, respectful way can make all the difference.
Start Early
The best time to bring up a prenup is before wedding planning begins. Waiting until the last minute can create stress and pressure, making the conversation more difficult.
Focus on the Future
A prenup is not just about protecting assets in the event of a divorce—it’s also about setting financial expectations for the marriage itself. Discussing financial planning as a couple can help build a strong foundation.
Make It a Mutual Discussion
A prenup should be fair and beneficial to both parties. Instead of viewing it as one person protecting their assets, consider it a way to ensure financial security for both partners.
Seek Legal Guidance
Each partner should have their own attorney review the agreement to ensure that it is legally sound and fair. A well-drafted prenup protects both spouses and reduces the likelihood of disputes later.
Final Thoughts: Is a Prenup Right for You?
While not every couple needs a prenuptial agreement, having the conversation is important. If you are entering marriage with assets, debts, or financial concerns, a prenup can provide protection, security, and clarity.
If you are considering a prenup, it is essential to consult with an experienced Texas family law attorney who can help draft a fair and enforceable agreement. At Sandoval Family Law, we help couples navigate this process with transparency and professionalism. Contact us today to learn more about how a prenu
