How Rich Do You Have to Be for a Prenup?

Many people believe prenuptial agreements are reserved for the ultra-wealthy, but how rich do you have to be to get a prenup? The truth is, there's no magic number. A prenup is a powerful financial planning tool for anyone seeking clarity and asset protection, from startup founders to medical professionals with growing practices.

Do You Need To Be Rich To Consider A Prenup?

Absolutely not. You don't have to be rich to have a prenup. These legal agreements are about creating financial transparency, not just hoarding wealth. With prenup usage rising across all income brackets, it’s clear they are for anyone protecting a business, expecting an inheritance, or even wanting to keep pre-marital debt separate. Prenups make sense for protecting even a single property or future earning potential.

What A Prenuptial Agreement Really Covers

A prenuptial agreement goes far beyond protecting a massive bank account. It’s a contract that defines how finances will be handled if a marriage ends. This includes the division of assets and debts, terms for spousal support, and the protection of business interests, intellectual property, and inheritance rights. It cannot, however, determine child custody or support obligations.

Is There A Minimum Net Worth Threshold?

There is no minimum net worth required for a prenup. The decision depends on what you're protecting, not how much it's worth. A teacher with modest savings but family property to protect, a startup employee with valuable equity but low current income, or anyone with significant expected inheritance can benefit. Assets like retirement accounts, crypto, and even intellectual property are all valid reasons to consider a prenup.

Looking Ahead To A Transparent Financial Future Together

Viewing a prenup as a tool for financial planning strengthens communication and trust. The process clarifies expectations and prevents costly conflicts down the road. Unlike traditional law firms with unpredictable legal costs, Neptune provides a modern, flat-fee approach focused on supporting your relationship through a clear and collaborative process.

Ready to explore if a prenup is right for you? Ask your prenup question and get personalized guidance from Neptune's experts.