Are Prenups Just for the Rich & Famous?

This article explores the misconception that prenuptial agreements are solely for the wealthy and well-known, highlighting their relevance and benefits for couples of all financial backgrounds.


Prenuptial agreements, commonly known as prenups, have long been associated with the rich and famous, viewed as a tool reserved for those with substantial wealth. However, a shift in perception is underway, with younger Americans increasingly recognizing the value of prenups for reasons beyond wealth protection. Today, prenups are not just for the wealthy—they serve as a means of safeguarding spouses from various financial risks, including the burden of debt.

Traditionally, prenups were perceived as documents signed by couples with vast fortunes, but recent trends indicate a broader demographic embracing their utility. According to a survey conducted by Harris Poll, the number of married or engaged Americans who have signed prenups has risen significantly, with nearly forty percent of those aged between eighteen and thirty-four having done so. This shift underscores a growing awareness among younger generations about the importance of financial planning and protection within marriages.

One of the driving factors behind this trend is the unprecedented levels of debt facing many young Americans today. In community-property states like California, debts incurred during marriage can become joint liabilities, leaving spouses vulnerable to creditors even after the death of their partner. By outlining each spouse's financial responsibilities and assets, couples can ensure that debts incurred individually will not burden the other partner. This aspect of prenups, often overlooked in mainstream discussions, highlights the practical significance of prenups. 

Historically, prenups have roots dating back centuries, serving various purposes beyond wealth distribution. In colonial America, prenuptial contracts were a common tool for women seeking to safeguard their assets and financial autonomy. Today, prenups continue to evolve to address contemporary concerns such as debt management, property rights, and spousal support.

While they are growing in popularity, prenups remain subject to varying legal frameworks across states, with provisions governing their enforceability and validity. In California, for example, separate legal representation for each party is a must-have for creating an enforceable prenup in many situations. However, such regulations can also pose challenges, particularly for couples seeking cost-effective solutions.

Enter First. First is a digital prenup platform for the modern couple. We streamline the process, making prenups more accessible to a broader audience. Couples can navigate complex financial decisions with ease, and connect directly with lawyers - ensuring comprehensive protection for both parties.

The rise of social media influencers and popular culture representations further contributes to changing perceptions around prenups, destigmatizing discussions about financial planning within relationships. Platforms like TikTok have become channels for promoting awareness and understanding of prenups, emphasizing their role in fostering open communication and mutual understanding between partners.

While misconceptions about prenups persist, their potential to safeguard spouses from financial risks, including debt, underscores their relevance in today's society. Prenups offer not only legal protection but also peace of mind, enabling couples to face future challenges with confidence and resilience.


  • US Journal: “Prenups Aren’t Just for Rich People Anymore" by Michael Waters