Prenup now common for large net worth gaps
Dave and Rachel noted that prenups have become increasingly common and wise when there is an extreme difference in net worth between partners.
Snapshot · The Ramsey Show
A Bigger Paycheck Won't Fix Bad Money Habits
Explore episode
Jul 14, 2026
Where this was said
Prenup or No Prenup? — Nancy in Los Angeles
At 28:40 · chapter starts 21:30
Nancy in Los Angeles is 56, engaged to a 71-year-old retired man worth approximately $2.7 million ($2M investments, $700K paid-off home) and planning a Catholic wedding in October. She has $600,000 saved and makes $60,000 a year in entertainment. Her fiancé wants a prenup; she's opposed on religious grounds. Dave and Rachel acknowledge the evolution of their own position on prenups — they once opposed all of them, but now recognize they serve a protective function when net worths are extreme. Dave's practical point is that the statistically likely event isn't divorce; it's his death. Nancy hasn't even discussed what happens to the money when he dies, which is a far more urgent conversation. Dave suggests the prenup could guarantee Nancy, say, $500,000 in a divorce scenario — enough to restart — without entitling her to half of assets she didn't build. Rachel adds that a prenup increasingly signals mutual planning wisdom rather than distrust.
Prenup Isn't Un-Catholic — It's Just Math
A prenup isn't a divorce plan — it's a net worth protection plan. When one partner has $2.7 million and can't go back to work, and the other has $600,000 and is moving cities, treating their assets as automatically merged ignores a very real financial reality.
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