Step 1Discuss Solvent Accountability & Debt
A marriage certificate is a legal, binding merger. In many jurisdictions, any debt your partner racks up or gets sued for during the marriage is partially or fully your burden too.
Required actionPull credit reports together. Seriously. Look each other in the eye and sign off on active liabilities.
Step 2Draft a Financial Separation Ruleset
A prenuptial agreement isn't "preparing for divorce," it's writing down a clean, respectful partnership agreement while you actually like each other. If you split without one, state judges get to choose who gets your retirement account.
Required actionDecide in advance if personal assets owned before marriage remain strictly isolated or fully merged.
Step 3Establish the "Over-the-Limit" Notice Plan
Financial friction is the #1 cause of divorce. Spouses have completely different definitions of what constitutes "casual spending" versus "major investment."
Required actionAgree on a maximum spending threshold (e.g., $500) above which both partners must consult before swiping.
Step 4Settle the In-Law Incursion Boundary
Your partner's parents will expect veto power over holidays, housing, and parenting unless you raise a solid concrete defense line early.
Required actionClearly define what topics are strictly internal to your household and exempt from parental consult.
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