<prompt> Human: If you could give advice to a young man who is married to a young woman, who refuses to work. What would you say to him to help protect his financial future should things go wrong?.. EG, Divorce.  <response>: Marriage counseling. Why does she refuse to work?Most states that I know of have guideline formulas to figure out spousal maintenance after a divorce. They normally take into account the length of the marriage, so if you havent been married very long you dont have a whole lot to lose. But if you let a toxic marriage go on for a long time youll lose a ton of money and suffer a lot of emotional trauma along the way. My preference is to fix the marriage and build a healthy relationship, so Id recommend trying that for a little while. 