<prompt> Human: I saw the thread today about telling your SO about money, and when would be a good time.Well recently my SO and I have gotten a bit more serious and I arose the idea of doing a mild form of a pre-nup. Let me preface this by saying neither of us are wealthy we come from mid-upper class families, neither of us have debt, and we both make between 35-45k both 23 years old.The reason I bring up a Pre-Nup is that Ive had family friends that have had messy divorces where the other person had a TON of hidden credit card debt, and then they were both responsible for the debt at the divorce. So basically someone in the marriage could live a secret life, or have a shopping addiction, and run up a ton of debt...then at the divorce both parties have to split it?Im playing a realist here that both of us will change over a few decades and who knows where well end up. So I bring up a Pre-Nup to protect each others Retirement Funds, and protect one another against secret debt that isnt shared in a joint account. Is this a good idea? Surprisingly after I explained it my SO, she sounded supportive of the move, and didnt necessarily see it as me not trusting her.What do you guysgals think of Pre-Nups?  <response>: It might be a good premarital financial planning exercise to both pull your credit reports from annualcreditreport.com and review them together to avoid surprises. This is good information to understand anyway.I dont know that a prenup can do anything to protect one spouse from debt incurred by the other during the marriage. They mostly exist to protect asset that existed before getting married. I do believe that retirement savings from during the time of the marriage gets split equally in a divorce.In short, I would only do one if you are going into the marriage already having a lot of money. 