<prompt> Human: Hello financial wizards! Im engaged, and heres my sticky situation:I clear 12,000month after taxes. I pay 1,500month in student loan payments, 700 for my mortgage, 3,000 in other monthly bills, no credit cards.He makes 6,000month after taxes. Spends most of it, but has no debt, other than a vehicle payment were splitting. He recently moved in with me. He likes shopping for expensive things including getting me nice presents!, whereas Im more concerned with paying off debtssaving. However were both reasonable and can compromise. Heres the thing: he has a trust fund with about a half million in investments. He cant touch it now. He says its to live on someday after it grows more and wants me to sign a prenup excluding me from asking for any of it in the event of a divorce.Now I personally think prenups are a great idea for pretty much everyone. But I need to retire too and hes already shopping for the new car he wants after we combine our incomes. Im thinking about setting up my own, personal retirement account. I could put 2,000month into it. And I want to ask for it to be mine alone in the event of a divorce. Hes not going to like the idea of subtracting that much from our budget, but I think I have to protect myself. I dont want to worry about him leaving me when were 65 or something...I mean thats not exactly unheard of. So what do you think? Good ideabad idea? Is this sort of thing done frequently? I mean its not like he put me through school or anything. Im bringing my education and my job into the marriage. Ugh, this sounds so calculating and un-romantic. Anyway, thanks in advance for any help!  <response>: Sign the pre-nup but saying you get the house also. Dont worry about setting up a new retirement account because, depending on which state you live in, any contributions made during your marriage will be exempt.I agree with most. Dont combine incomes or at least have 3 different accounts. Yours, his, and both of yours. Agree to each put a certain amount in both of yours and what ever is left over in each account is yours to do as you wish.Most importantly though, you have to talk to your fiance about this. Otherwise it will lead to a very unhealth relationship. And just because we said to do something here, doesnt mean you have to do it. You have to remember, these people are looking at it strictly from a financial point of view. 