<prompt> Human: Ive been a long time reader of reddit and never have posted. Were talking years. Anyway, Im a 28 year old female, make about 55k after taxes, am in a monogamous relationship, no kids, and have no college debt. I have some savings. 35k in a Roth IRA, 15k in a money market account, keep about 1-1.5k floating around in my checking account, own my home, newish car 2011. I eat out several times a week, go to bars, shop whenever I want, and still manage to save some money. Heres my problem: my boyfriend is going through a divorce, about to file for bankruptcy because of said divorce, has 2 young kids and a soon to be ex wife who if going after every penny. Needless the say, its a fairly contemptuous situation.Weve talked about getting married and having kids. Weve also talked a lot about his financial situation vs. mine, whether wed combine our money, or lack of it in his case, you know, all the difficult shit you never want to talk about with your partner. I love this man with every ounce of my soul but BUT!, is him having all of these financial issues a huge red flag? None of his debt accrued from being wreckless--student loans, having 2 kids, car payment, 2 mortgages for investment properties that are underwater he was in the marine corps and stationed in Jacksonville, NC if that gives you any idea. He has a decent job with upward mobility but it isnt good enough to pay off this mountain, black cloud of debt in his lifetime.I just dont know how to approach this one.  <response>: Ok, so 100 IF you marry this guy, you need a prenuptial agreement. This is to protect your assets, home, car, and life style. None of his debt accrued from being wrecklessHere is some unwanted truth, but he was quite reckless. If he was in the marine corps, why did he have student debt? 2 mortgages for investment properties? That strikes me as quite reckless to me.You need to protect yourself first, please please please! 