<prompt> Human: Me and my soon to be spouse have very different financial situations. I have paid off all of my debt, and have saved a significant amount of money nearly a quarter million in post-tax investments, which I plan to use for a house or just long term savings. My SO has some student loan debt left 30k and a car payment 15k left. SO has a small emergency fund, but no other savings except an IRA - see edit. We both have good credit scores and no credit card debt. I make in the low six figures, SO makes 90k. Our incomes will likely even out over the next decade. I love my SO very much and we plan to share everything after marriage. I dont want it to be a my money v. your money situation. That said, I also dont want to be naive. Should I be concerned about protecting my premarital assets? At what point is a pre-nup necessary? Also, would it make sense to just take some of my savings and immediately pay off all of SOs student loans, which are at about 6-7 interest? I assume there should be no rush to pay off the car loan, which is at less than 2. Or should we let SO keep making payments on the loans as usual? Are there other aspects of combining finances that I may need to consider?Any advice would be appreciated. Edited to add: Im not sure if its relevant but SO and I each have individual retirement accounts worth 100k.  <response>: Even if your financial situations were more identical, a pre-nup is still a good idea. Now, it all seems like you would of course share and share alike in the unlikely event of divorce, but in the far distant future if a divorce should ever happen, such magnanimous and reasonable attitudes may be long gone. A pre-nup protects not just the pre-marriage assets a consideration in your case but not a huge one but it also protects the fair and equitable agreement to split things. Its impossible to estimate the conflict that can develop in the heat of a future divorce, but it can be terrible. Pre-nup protects somewhat from that. 