My Fiancée Wants Me to Sign a Prenup, Is She Worth It?
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- Опубликовано: 19 авг 2024
- My Fiancée Wants Me to Sign a Prenup, Is She Worth It?
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My ex-wife said that a prenup wasn't necessary because she loved me and would never divorce me. I said if that's the case, then what does it matter if we have one; it will never be needed. She agreed. One year later, out of the blue and completely to my surprise, she left me. Thank God I had that piece of paper.
Thank you for sharing sir.
With the divorce rate as high as it is, prenups are starting to make as much sense as car insurance....we hope we don’t get into a car accident, but if we happen to, it makes it a lot easier and clearer in the future
A pre nup is insurance, a good insurance at that. I wouldn’t mind getting one with my partner.
✊🏾
Prenuptial agreement should be mandatory
Almost pulled the trigger on a $14 breakfast burrito but I didn’t. Proud of myself, one step at a time. Ramsey would be proud.
or Tesla stock lol
Jesus christ where do you live that has $14 breakfast burritos 😭
What’s in the burrito though? Out of curiosity.
nice.. proud of you! it feels good to be able to take control of little things. its a start. get used to it...its painful sometimes but youll reap later on.
Should've gotten it, it's not that deep. As long as you're not making a habit of continuously eating out you should be more than ok.
How come no one mentioned the terms of the prenup. That's probably the most important thing to know rather than jumping to conclusions.
It's a trust issue. We aren't talking about 10 million vs 0.
@@allmight9840 she's a doctor, and we don't know what type she is. She could be the kind that makes 500k a year and has a prenup that just says that all the wealth accrued prior to the marriage is kept by the individuals and everything after the marriage is split 50 50, which would be reasonable in my opinion. So if we don't know neither the terms of the prenup nor the state of her savings prior to meeting this guy, i don't think it's fair for us to slam her for it just yet.
this is a good question but look at it from a philosophical perspective as opposed to a legal.
A prenup as a whole, despite the terms, signifies that you aren’t all in with the marriage.
For better or worse, for richer or poorer, in sickness and health.
Though, this is a financial channel, but psychological and core values plays a huge foundation to achieving financial prosperity and peace.
@@nghinguyen875 I understand what you're saying. Correct me if i'm wrong but your statement in the middle sounds like you may not be in favor of a prenup no matter what the financial circumstances of the parties concerned are, and in that case,i i have a few questions:
1. isn't it a little naive to assume that there is no chance of divorcing in a country where the divorce rate is 50%.
2. Isn't it disingenuous to assume that both parties carry equal risk getting into the marriage, when (and i'm bringing in this hypothetical because i'm operating on the assumption that you're against prenups no matter the circumstances) one individual has 10 million dollars and another has a negative net worth.
@@RPG-GUY what country has a 50% divorce rate?
fun fact, prenup is a legal contract you enter to determine property rights and legal obligations in case of divorce or death. Whether you sign up for one or not you will enter a legal contract through marriage that will define those same benefits but instead of defining them for yourself through a prenup you let the state define them for you through a marriage contract. No need to be emotional about it, don't let the idea of divorce or death hurt your feelings. If you're going to get married anyways, determining your own idea of fairness in a contract is not only logical but smart.
I couldn't agree more. 💯💯💯
Wow: "If you don't define it the state will."
Amen to this🎉🎉
I don't think pre-nups should be demonized as planning to fail. No one plans to get in a car crash but we still wear our seatbelts anyway!
Keep that same energy in reverse situation😂...
It's not about safety belts it's about trust. You need to go into marriage planning to do everything you can to work it now, not having an escape plan for when your no longer having fun.
That is an excellent way to put it. Hope for the best, but always be prepared for the worst.
@@landonlowe4029 😁🍻👍
I am forced to wear a seatbelt by the law, if it wasn’t required I would not wear one! Problem here is, she doesn’t trust him and in that event, she shouldn’t be marrying him in the first place.
Why not get a prenup? Once the lawyers and judges get hold of you, you'll wish u had a prenup!
A prenup is like marriage insurance 🤔😁😂🤣🤷🏾♂️
moneyrip1, insurance for both.👍
Yeah but your going into it with the idea that it's not till death do us part ? Blood in blood out
@@shootmovecommunicate3322 nah bruh, its 2020 society has created so much bullsh*t with marriage, this not 1920s
@@ripwins true. It's America everyone had their own choice. I dig it. What if the wife is a stay at home mom or makes much less. Do you giver her an allowance ? Spilt bills 50/50 ? It becomes annoying to deal with. We have family goals because we became one. IDK. I believe in free choice and what works for some doesn't work for all. What if one person gets laid off ? It's a ton of factors. I'm not against it but it was easier for use to combine everything. Glad we did. To each there own tho. Cheers mates.
ShootMoveCommunicate you gotta protect yourself just because you all in doesn’t mean the other person is
Why would anyone, man or woman, be upset when asked to sign a prenup? Makes no sense to me, unless your primary reason for coming into the relationship is to profit of the person.
Blue pilled par excellence. Bravo you live behind Mars or in 1962. 👌
Agreed. These comments are just insane. Relationships fail for a VAST amount of reasons. Prenups have benefits and allow more financial flexibility depending on the jurisdiction. I love Dave but I strongly disagree with him on this one.
Exacttttttly! If you really love and respect the person (and are in the relationship for the right reasons) then you should have zero issue with signing one!
Because I believe you get 100% of your everything when you are married. You become one. If I can give you my everything I expect the same in return.
@@alexlewis8143 then don't give her your everything, simp. or be ready to be homeless in case she decide to find someone else or get bored of you.
A young doctor with no debt tells me mommy and daddy paid for school. Which tells me she has family money. I say go ahead and do a prenup.
That's not always true. I know someone who saved up every penny for medical school. It's not farfetched.
I agree, I think this is about protecting the family money, not how much she will make as a doctor.
@vincentrich - Banned But Not Forgotten Just because YOU haven't seen it doesn't make it rare. Additionally, hope you know scholarships are a thing along with creating educational savings.
Saved up every penny? Please drop the tips cause sis need to know asap. I dont wanna be broke 😭😭😭😭 @chioma
@@chioma2983 some arbitrary example with no context means nothing unless you can give the entirety of the context. plus i don't believe you in the first place lol
I’m a med student and I feel her. She’s worked her entire life for that. If she was a guy, nobody would object.
I think she is wondering if YOU ARE WORTH IT.... You sign whatever she wants because you have ambition but no results
Maybe she’s a plastic surgeon. A dermatologist. And is absolutely loaded. And has had men take advantage in the past. We don’t know the full story and I’m not here for this judgement.
No one should be short changed in their relationships for some other fool who is not in their relationship.
Matt Bergstrom that’s far from unreasonable, and I’m guessing you’ll never get the chance to date women at that level of success.
@@meaghanceciliawood8972 too late I already have
Finally. A comment that makes sense. If the roles were reversed, there would be people in the comments saying he's right because maybe he's been used and going off on tangents about how women are gold diggers.
It doesn’t matter gender here. I see female friends who get burn from divorce. From what we know, one have a stable and success career with financially responsible while the other one is not. I don’t see the issue signing the prenup. Most people who refuse to sign it either young but brainwashed to think very old school or have some motivation to keep things on their favor in divorce. First case is unlikely. The fact he asked is a planning process.
Pre-nups are always worth it. She knows that her future depends on whether you have children and the impact that will have on her career (as motherhood affects women's earnings).
Where's the line between, "loving money," and defending your finances?
as dave explained well. In extreme circumstances. If someone makes 1m a year or has a few mil net worth, marrying someone making $40k a year, it makes sense. I guess he’s saying the CPA guy can still live just fine if a divorce happened
This is where Dave has lost touch with reality. Guy is still living in the 70’s . People change over the years Dave. You have to protect yourself and assets at any costs. Having a prenup is one of the smartest things you can do for both parties.. Keeps them honest and hard working/contributing . There’s no free ride here!
Exactly what I was going to comment. Dave has been married for 25 yrs to the same woman with good old school values. No such thing anymore. All we see is the financially stable individual in the marriage getting wrecked in divorces.
Thank you for this comment
Prenups and MLMs
Spot on brother - nailed it !!
"she needs to love you more than she loves money" good luck lol
Ain't happening haha.
Women arent capable of loving a man the same way a man loves them.
@@fabiolito28 what ? Hold up!! Lol I guess I have never seen a good man out side of my family 🤣 I have never.. I mean never seen a man that loved a woman hard! It was always the women that extended themselves. Not saying it is not out there but I never seen it!!
@@chosenlight7289 that's not what I meant. I meant the reasons for a man loving a woman generally aren't as shallow and conditional as the reasons a woman loves a man.
Yea, not seeing that happening
She sounds like a smart lady! So many male gold diggers out there.
😂😂😂😂 yup we all know gold digging is a male thing 😂😂😂😂😂😂😂😂😂😂😂
lol ok.....
Vice versa
@@ryanlowe509 It certainly is, more than you realize.
@@sanniepstein4835Sure was for my ex
I would love the idea of a woman asking me to sign a prenup!!!
Yeah, its a great demonstration that shes actually thinking about her financial future. Im speaking from my personal dating experience here. A lot of the woman i met do whatever they want without considering financial consequences. This female doctor would be someone who shares my concern for what the financial future looks like. In my mind it makes her more marriageable.
RIGHT?!
Right! I feel the same
Not if she makes way more money than you. Then she is asking to insure herself from you. Not the other way around
Her having more money doesn't change the fact of me being happy to keep what I came with after a divorce
I think there is some other details we don't have here. But I would be pro prenup in any case.
I've noticed when Ramsey gives straight financial advice, it seems to be very good. When it involves other aspects of life it many times seems to be somewhat not very good. At least he said it was his opinion that they should not marry.
Because deep down he's a beta male
He is an old dude with an old way of thinking so really can't blame him lol. Good for those in debt. For those who know what they are doing, his advice is not that great.
Don't agree with Dave on this one.
He's right.
I dont agree with him. She s doctor, smart and she may know he is on debt and want to secure her money that she worked hard for.
Yeah, i don't think i agree with him as well. There's so much more to the story than what Dave interpreted on it. Maybe, the guy is reckless with his money, and she perceives that and could affect her. They definitely need premarital counseling though.
Finally, I thought I was the only one. She's a doctor, her hard earned money will be at stake, what if the guy gets more debt !
He's incorrect.
Yes marriage has pain within it, why does the pain have to continue when you end?
I bet if he was the doctor and she wasn’t and asked to sign a pre nup she would be like this guy
This.
If you don’t understand this, reverse their roles and think again.
Probably yes
Doesn’t matter money should not be a factor if you guys happen to leave doesn’t matter who makes more money your not entitled to it
I disagree with Ramsey on this one. I think everyone should have a prenup.
You have a bad philosophy of marriage then that would lead you into divorce.
@@MrCrispypata so if you have car insurance, do you plan on driving wreckless and getting into car wrecks? If you don't plan on ever getting into a car wreck, then you don't need car insurance right??🤔
Judges will toss out a prenup real fast if it doesn't benefit the woman, they are useless in the case of a man.
@@MR3DDev they are not useless to a man. A prenup and postnup should benefit/protect both parties. This will avoid her being able to take the house and 60% of your assets.
@Brittany Sanderson "God" doesn't and shouldn't scare anyone from getting a divorce...
What people don’t realize about prenups is that everyone has one - I.e. in the case of divorce, there WILL be a split of assets.
When I get married, I intend to sign a prenup with my husband. Because although I will, in that moment, be certain that divorce isn’t in the future, I would still rather that potential asset split be decided by two people who love and respect each other than two people who are bitter and fighting at the end of a marriage.
The prenup is a way to determine how the assets are to be split up. With hopes that it won't be decided by a judge.
A prenup is just people putting one foot out the door... when I married my wife first thing I did was joint accounts and paid off her debts... no idea how much I had. I bet less than 10k she had nothing. We became one flesh in everything. All the bad I had plenty of problems still do, but people who don’t go all in don’t make it. This life is way to hard for people to be halfway in or out and then make it. If you truly ment for better or worse it’s just the risk you have to take. But many don’t mean it they mean as long as she fill my needs I’ll be the husband. Marriage don’t to make your self better can’t succeed.
That means you don’t trust him I’m not marrying you if that’s the case.Prenup means I don’t trust you and therefore without trust your marriage will be a bad marriage that’s going to go I to divorce down the road for sure
@@ar15tac To speak from your experience and assume everyone will have the same one you did is foolish. There are numerous situations where if you partner was a different person this could have gone very wrong for you financially. It's not always easy to predict what kind of person someone could be.
@@videosforall5170 Do you believe that people can change for the worst? Do you think people can pretend to be somebody in order to gain a favorable relationship? To have confidence that your partner will never change is completely foolish and short-sighted.
She’s probably making 300k and he’s making 60k. I think that’s enough of a discrepancy for a prenup.
Agreed. These comments are blowing my mind. 🤦🏼♀️
agreed!!! She has every right to ask for a prenup, as does anyone with assets!
What each of them make a year doesnt matter, only what they stashed before getting married. Once married, they together make an amount, together budget, spend, invest and donate it.
Butuc Manuela I agree but they’re not married yet. She has no debt and a salary ranging from 200-600k a year depending on specialty. He’s making no more than 70k a year and he still has his student loans. That’s more than enough for a prenup.
Even if she was making less then him it’s smart and of the both of them to ask for prenup. You never know what the future hold for anyone. He or she can make way more or win a lottery for example and you need to protect yourself from everyone for yourself or your children.
Wait. But there was an episode back when a lady called in and said she was a doctor that made $650k and her fiancé made $150k and Ramsey said for her to do the prenup. Lol imagine this is the same couple.
This man is full of contradiction
Maybe she had 5 mil in the bank and the fiancé had a quarter million in debt. Need more context to claim contradiction.
Why not get the prenupt. Why not sign it if your not after her money
Because if it were the other way around, she'd be insulted and whine. If I were in his shoes, I'd move on to the next girl and keep it FWB with this one.
Holla we want prenup
WE WANT PRENUP YEAHHHH
@@annettedoodles 🤣
WE WANT A PRENUP!!!😂😂😂
Yeeeeaaaah, it’s something that you need to have. Cus when she leave yo a$$, she gon leave with half!!!
@@shutupandeatasmr4498 18 years
If you are marrying her for the right reasons then you shouldn't care if she wants a prenup. Are you marrying her because of her wealth? A prenup is a good way to find out if the person you are marrying is marrying you because you are rich or because they love you. I disagree with Dave Ramsey on this one.
I agree, especially as a woman, she wants to make sure her earnings are secured. If anything, God forbid, happens then she will be the one most likely with the kids. Which means she will need as much of her savings, assets and earnings to care for them. Not to give it to some man who is very capable of earning his own income.
Prenups are a smart decision if you're the one with more to lose. I can see how someone with less to lose wouldn't be happy about signing one.
Exactly if the situation were flipped he would be looking to sign a prenup.
Yeah but neither has nothing to lose....just cause she is a starting dr. What if she gets sick or something tragic happens? You desert her? I agree with Dave on this one
No, prenups are a stupid decision because that implies that you're going to be committing to a nuptial agreement, which is a very stupid decision. The government and divorce courts aren't going to care about those agreements when you're getting divorced and falsely accused of domestic abuse and child molestation so she can get as big of a payout as possible.
No "nups", period, unless you're a deadbeat with literally nothing to lose.
Prenups are bad. I guess prenups are good if you are marrying a feminist.
Christian marriage is the two become one.. fanancially, physically, emotionally.
I guess prenups make sense if people dont have that philosophy, but then you are more likely to get divorced, not less.
"Here, let's sign a prenup so we can make sure we have a divorce!"
Statistically, that is true.. people with prenups get divorced more often. Is that what you all want?
Brilliant!
Hahahahah, Dave Ramsey went straight to the point "She doesn't want to marry you"
She does. It’s the fact she work too hard to get to have the things she got just to let the courts give it away because a stupid divorce she has no control of...if it wasn’t him, she definitely asked the next guy to sign a prenup as well, unless he’s Jeff bezos 😂
@@justocho9090 It would be all fine the other way around lol. When the man makes less it's looked down on.
Docs are overrated
@@joesillamanrs7189 You ain't never lie homie...
I don’t think she does. It’s biologically wired into most women. Most of us usually want someone more “capable” in terms of earning power and resources. The fact that she is making her career the focus of the prenup shows she sees it as a way to up him. CPAs have potential to earn lots of money but doctors generally make more on average. So she basically wants to insure her earnings from him.
Dave I have disagree with you this time. What she’s managed to gather in wealth that may not seem a lot, but it is a lot to her. She’s just protecting herself. If he really loves her & is emotionally mature, he wouldn’t take issue. If it were the other way around then she wouldn’t mind. Plus from what you read, on the surface how can you tell there isn’t a huge gap? No one plans to get divorced but it happens. Emotions can get out of hand. Prenups are not only for the extremely wealthy.
I agree with you. I was suprised that Dave didnt agree with the nup.
Jeffrey Whitaker you must be new to Dave Ramsey. He’s said on his show for years that he believes in Pre-nups only in exceptional circumstances.
You may disagree with his suggestions but he was consistent with what he’s said to other callers and people who write to him in the past.
Not sure why callers keep asking him the question. They are wondering if their situation is one of Dave Ramsey’s exceptions, I guess
It could be a big gap. In my area a well paid account makes $100k but a doctor is over $350k per year. To come out of med school debt free is pretty amazing too so she’s either very ambitious or there’s also family money to protect.
@@AngelaMastrodonato Im generally new to his show yes. I been listening to his podcast and YT channels for about 3 months now. The only thing I know that hes consistent in is having NO DEBT, to PAY EVERYTHING IN CASH lol.
I disagree that she wouldn’t mind if it were the other way around.
Dave is old-minded. Lets go off of statistics. 50% of marriages end in divorce. Why would you not advise a backup plan contract for those 50% of cases? It isnt responsible to ignore the stats and advice millions.
Facts 💯
The reason why is because if you follow dave's plan. There's over 90% chance the marriage working. He did a video on it. So with that in mind. Yes, he won't recommend a prenup. Also, these are adults. They don't have to listen to his advice, but you can't deny it works. So, people listen.
You're taking into account WHY 50% of marriages end in divorce.
@@superblump87 Exactly. In statistics class, first thing I was taught was correlation does not equal causation.
JohnM0rris Everyone thinks they are special til their wife decided she isn’t happy anymore and take them for everything they’ve got - but I believe if your stupid enough to get married in 2020 with all the anti male laws then you have only your self to blame when that happens.
I’ve got a 1000 dollar emergency fund and I’m thinking of making my fiancé sign a prenup.
Lol
Do it.
Dont trust her an inch.
I have $100 worth of Happy Meal items and I want a pre-nup!
🤣
Haha
I make $300k and my wife stays home with our baby. Good thing I have that prenup to protect MY assets from her.
See how cruel that sounds?
I don’t have a prenup - what’s mine is hers, every single penny - and when I watch her hold our little girl in complete comfort and contentment, I’m a happy man.
I almost took your first paragraph seriously because there are crazy people on the internet making such statements. People who feel that way are better off staying single.
Angela Mastrodonato : ) had you going there for a moment. My wife was there when I made $10.00 /hr during college AND I came from a dysfunctional family with myself being the first college grad. I had zero to offer her on paper except sheer determination to succeed - I didn’t even know what I wanted to do for a career and she loved me over a dinner of Hamburger Helper just the same.
Arwyn money comes and goes. i would never want to go through life unmarried and without children
Everyone feels that way until, God forbid, things go south and you get a divorce and she takes half. People change and can be so fickle to the point that getting a prenup often makes sense. Just because you have a prenup doesn't mean that you'll spend every waking moment thinking that your spouse doesn't love you or has one foot out the door, it means that you recognise that people and situations change. And you can always amend the prenup after the fact. In a world where half of all marriages end in divorce, unless y'all start on the same level, not having a prenup doesn't make sense.
You are Inn the group Dave is talking about, it ain't that much money.....
Once children enter the picture prenup goes out the window
Marry in your tax bracket.....lol
Doc not going to make a whole lot more than accountant.
@Atty. Johnny Sins Personal Finance Sounds like your wife should have gotten a prenup.
All Might I’m an cpa and could assure you that a doctor makes more lol way more
Hear! Hear!
“She ain’t as special as she thinks she is.”
🤣🤣🤣🤣🤣
I had to re watch. His facial expression was on point. Haha
RIGHT?! 🤣
Doctors can make 500-600k easily
Docs make over 200k per yr, CPAs make around $60k starting off. I think it is enoguh for a prenup. Plus we don't know if she has any assets..m
She's smart, and he is SUS
LNY
Well I think anyone that doesnt get a prenup is an idiot.
XD
Its not about love, you are not planning for a divorce, just like with house insurance, you are not planning on your house getting destroyed.
Its there to protect you, just in case.
The funny thing is, people in the US with money want a prenup to protect their money. In other countries with different laws about divorce, people with money refuse to get a prenup to protect their money. This is about protecting yourself from LAWS that don’t benefit you, it has nothing to do with love.
quitecontrary23
Wait what? In other countries? How does a prenup go against you?
Kay If a country’s laws already protect people with money by assigning any property and money to the person who earned or inherited it during a divorce, then it is in the best interest of the wealthy person to stick with the law of the land rather than trying to get a prenup. So they would push against a prenup. I know couples like this, so it’s funny when people say a not signing a prenup means you love someone. The viewpoint on that is always different based on the benefits.
@CheyTDMartinez and if it were the other way around the woman would still be the gold digger. That's some real big rock energy you're pushing there /s
Sorry Dave you’re wrong on this one sir!!
You do what u do man.
Marriage counseling until the prenup isn’t needed is such an old fashioned mindset. Of course you go into your marriage completely trusting the person you are marrying, but Sometimes over time people find it ok to completely abandon their core values and vows because they changed for whatever reason. And sometimes things can’t be worked out via counselor or even want to be worked out. The way I see it, I pay car insurance hoping I won’t get into a car crash. I pay flood insurance hoping my house never floods. Pre-nups are no different.
The love of money is the root of all evil.
Amen.
If men ask for a prenup, he's a monster and wants to leave you with nothing, but when women want a prenup....... You have to love the double standards 🤣
I believe she has some wealth that he doesn't know about. Good for her for protecting her legacy 👏
Really?..... How daft can you be? If they are getting married and he doesn’t know the whole truth, then i would not worry about a prenup because i’m not getting married.
If there are secretes and trust issues already, then she shouldn’t be marrying him. It’s not a “good for her” , it’s already bad from the beginning.
Yeah, maybe she only wants to tell him about extra money after the prenup is signed, bc if she tells him before, it can easily convince him not sign. She wants to be certain that he's marrying her not for her money or even potential money, but for her.
Philip Anderegg she’s still keeping a secret from him because she doesn’t trust him. I wouldn’t want to marry someone who tests me like that.
Angela Mastrodonato Exactly... if you have to “plan” if things are going to go bad, then you will never 100% commit and it’s already messed up. They shouldn’t get married.
Income does not always match up to your net worth I know doctors making 150k a year that's 300K in debt and I also know plumbers making 60k that have 2 million in investments
Exactly. Couldn't have said it better
And then you wake up from dream
150k? Lol what kind of docs are you hanging out with? XD
ihategooglespooks it does matter. Sounds like Justin here is just lying. I have yet to met a doc that makes 150k in my 7 years of healthcare experience. Maybe after taxes? Is that what he meant? Lol people are just salty. 60k with 2 mill in investments... Hilarious! Maybe after a few decade of working and investing? Maybe it was a new doc and a plumber with 30 years of working and investing! That would make sense.
Luis L Whats a more realistic income in your experience?
Idk if I agree. As long as "our" wealth gets split evenly, what you came in with is yours and what I came in with is mine.
In theory, yes, but after years and years together sometimes people become entitled and think they own half of everything or at least a good settlement, Thats actually what a pre-nup is, it's valuing each others assests going in, and then sharing any assests aquired together. But like Dave says, for 300K is it really worth the hassle.
Patrick Forsyth right. I used to think if a marriage survives 7-10 years, the marriage will go the distance. I was shocked to hear about people divorcing after 20, 30 and even 40 years.
After decades together, I don’t think what someone brought into the marriage is relevant anymore, unless someone had millions or more.
Personally, I think prenups should expire after, like 5-10 years because their only purpose is to protect someone from having their assets seized by someone who leaves you after like 6 months or something like that. But, if you suspect someone would do that, then that’s a big red flag in and of itself
This is garbage advice. You don't get auto insurance AFTER the accident.
if you think the possibility of divorcing your partner is equivalent to getting in a car accident, you probably shouldn't be getting married.
@@theinterbanktrader it could be if a person is too dumb to protect themselves. Let's face it we all pick bad partners more often than not, especially when we are blinded by love. There is nothing wrong with taking precautions. You hope to never need the insurance but glad you got it when you did need it. To each their own.🤷🏽♂️
@@angelbeast8863 what a trash analogy. bruh people are not assets. We're humans with feelings. You will have children with the person you marry and you see them as threat to your asset foh. People have lost their minds and the meaning of marriage. Dave's right, if this woman net worth is North of 3 million then yeah prenup, as that's extreme wealth.
@@JasonSmith-ef8ci like i said to each their own bro. You can do whatever you like. This is just my opinion. I've seen too many of my guy friends, family get burned. Plus the stats dont lie. 🤷🏽♂️
The only advice as a woman I would not take. Prenup all the way. I have seen some nasty bitter divorces and would hate to have all my hard work taken away. Not every man is as honorable as Dave Ramsey.
As they always say, a prenup is one step inside a divorce court
I've never heard that before... Explain
Then, why are more than 50% of marriages end in divorce
If she rich, just do it. Your taken care of.
Just be ready for a divorce
He didn’t ask the reason why. She could have 10 million saved up since she’s well in her profession. Plus he doesn’t know the guys history with money or his credit or anything. He said she got good credit and no debt but what about him. I say Prenup is a smart idea and if she didn’t want to marry him she would of never stayed during him going to school.
Then why the HECK would she marry him...
It's that simple.
If I was homeless and married another homeless I will still get a prenup. How does Dave like insurance on everything else but not marriage?
When they say "for better and for worse" it's because it can go wrong and you will need to handle it. If you are not ready to take risks for that person, stay single for you are not ready for marriage.
Its cause he's religious.
I think it goes against his beliefs. Then again the western divorce system is not entirely in line with most Abrahamic beliefs. Some people draft their own contracts before marriage that align with their religious needs instead.
@@Kevin-jc1fx
Or just dont get married? XD
@@XFizzlepop-Berrytwist Relationships come with upsides and downsides, it's take all or leave all. It is not a buffet where you can take only what you like. I believe in God and in Eternity. We can't treat people like commodities, we will be judged on the way we conducted our relationships and the outcome of that judgement will determine how we spend our Eternity. Eternity is too long to gamble with.
Having been left with nothing from a Divorce. Absolutely I’d be getting a Pre-nup absolutely
Sir We Are About to Die I am female
I also don't care for Ramsy's marital advice. This guy is not going to pay my bills or help me regain my assets!!!!! But I guess good for him marrying a woman with good old marriage values. Lucky basterd.
"She's not that special." Dave, I completely disagree. A pre-nup should be signed male or female. You never know what happens in life.
Smart woman. I think it is even more important on a lower income. If you have 500million, get a divorce and have 250million left over, that is a heck of a lot better than if you have 200k, and then have 100k after the divorce.
She doesn't have even a million. Doc is not going to make a ton more than an accountant.
Ignore Dave. Sign the prenup. Dave doesn’t know what he is talking about.
Dave has a prenup blind spot. He is spot on 95% of the time, just not on prenups
Dont marry a feminist, and dont sign a prenup.
Marry someone who believes their body and soul belong to each other. This 50/50 b.s. is why the divorce rate is so high. Selfish people everywhere.
Everyone has a poor philosophy of marriage.
@@melanieb2132 if you aren't marrying for money, then why not sign a prenup? If you never get divorced like you believe, then it will never be used.🤷
Matthew Surratt You are so right.
@@thehomeless_trucker idk.. but the people who sign prenups are MORE likely to get a divorce, not less.
Explain that to me.
Whoa. Maybe he can pay off his debt first and then get married. That's what I did because I thought it was the right thing for me to do.
Its very wise
Not realistic a scenario considdering about 60 % of the working population has some sort of debt but hey who blames you for dreaming?
That’s not a smarter route, why keep two separate households with separate bills when you can combine them and save thousands of dollars a year
@@sami-9233 it wasn't a dream for me because the situation for me worked out. Not saying it would work for everyone.
@@cm5394 we still lived together?
Ten bucks says she became a doctor for the money.
and...
@Ashley ashley Ummmm maybe the Hippocratic Oath and a deep calling to help and heal others...
I’ve always been anti prenup until I heard it explained like this: a prenup is two people deciding how their financial relationship will be defined instead of just relying on the government’s standard plan.
I know even with a prenup it’s not a sure thing in court, but I think it makes sense to have your own “financial contract” rather that let the government decide.
Is there something wrong with the 50/50 split that is the standard plan? That seems equitable
@@whitneyw.7919 In my view, it really comes down to what both parties think is fair. It isn't just about money but about the time and effort you put into getting where you are. Let's say that Alice went to school for 7 years to become a doctor, and Bob only did high school and has a job that doesn't pay that much.
If this is before the marriage, Bob contributed nothing to get Alice to where she is. So in the event of a split, Alice might feel like the wealth she largely was responsible for generating should be split a certain way. There is nothing morally wrong with that in my book, as long as it was discussed beforehand because both parties need to know what they are consenting to.
Now if both Alice and Bob are both broke when they get married (as I and my wife were :), then it makes sense that everything is 50/50. It's like "Sure you can have my half of nothing" lol. This is even more true if Bob works to put Alice through medical school.
At the end of the day, I just think that the government's role in marriage is too much. I think we would see more people getting married if they didn't fear losing nearly everything they own in divorce.
@@whitneyw.7919 when one person brings everything into the relationship money,house, car etc..the other brings nothing..why are they entitled to half? they are entitled to leave with what they came with....
@@whitneyw.7919 it's often not 50/50 in the end.
If a woman who makes bank want a pre nup she’s not that special? That’s so sexist. Besides, the caller sounded petulant and insulted, just like a woman caller who complained about her fiancé wanting a pre nup.
"Besides, the caller sounded petulant."
When you didn't actually watch the video and don't realize that everyone reading your comment knows it immediately. LOL
Honey, replace the word "woman" with "person" and Dave's advice remains the same. He isn't sexist, he's an economist and financier 😉
Lol at what part did he mention being a woman mattered? He pointed out there wasn't that much money involved, what was involved was the person's career (doctor) and that Dave only recommends prenups in extreme circumstances - wherein there's a lot of money involved. Not the profession.
But how much money does she have??? and how much debt does he have?
Yeah, without those two numbers, and WHAT his debt is on ( school or cars or gambling or...) cannot say. Also, what is the prenup? Does she have children or other dependents like a disabled parent? Not enough info, but IMHO, she dodged a bullet if he says no.
Wrong, Dave - WRONG. Yes to a pre-nup.
Many people understand divorces are emotional. Why pretend one party won’t try to hurt the other & take the car they love or force them to sell it. Pre nups aren’t about loving things more than your future spouse, it’s about making plans when rational in the event something happens.
first marriages end in divorce 45% of the time ....2nd marriage ends in divorce over 60% ...nothing wrong with prenup
She doesn’t have that much wealth, she doesn’t trust you.
Atty. Johnny Sins Personal Finance Salary doesn’t mean wealth
I hope you guys understand that when Dave Ramsey says that, it doesn't mean the same as when you or I say it.
@@livefreewithcalebd no but personally responsible people + high paying job = wealth
Edwin Riggall Over time, yes.
Live Free with Caleb D. ... exactly.. over time... like the longer they’re married, the more wealth she accumulates...
Dave has never gone through a divorce!
This is a perfect example why you don't take advice from just anybody on TV or the Tube. They both should have their own prenups. He doesn't take her money if he leaves. She doesn't take his money when she leaves. There! I solved it.
Honestly, as a girl in my early 20s, I get it. I'd sign a prenup easily if a guy asked me to. Being financially secure is more important to me than good health. That being said, I've always been told they don't hold up in court all too well, so 🤷♀️🤷♀️
I have also heard that they don't hold up well. It's a shame that the institution of marriage was corrupted by government and laws, that is why prenups exist.
"What good is health if you cant buy money with it?"
They hold up well if done under the right circumstances. 1. Both parties need a lawyer present when signing. 2. It must be signed long before any marriage plans and not under duress. For example it likely wouldn’t hold up if you forced the prenup 3 days before an expensive wedding. 3. It cannot be unconscionable. This means that one party can’t be left needing government assistance or with no money post divorce
You're wrong on this one Dave . You're wayyy too old school , we are in a different era.
This is bad advice. Some people have a lot of debt and it's harder on a marriage if one person without debt is afraid that it could fall onto them.
I'm a woman, and I won't marry anyone before he first signs a prenuptial. It's just a matter of fairness. He's not entitled to my 401k and houses I had before marriage. He wasn't there when I was working and saving up. Hopefully, prenup should not ever be needed, but the stats show that over 50% of all marriages end up in divorce
You sign the prenup if you want to be her, all she doing is to make sure finances are settled between both parties before a chance of a divorce
I don’t agree with Dave! Requesting a prenup doesn’t mean you don’t love someone. It’s like insurance in case you guys fall out of love(which happens often ). Just because you have homeowners insurance doesn’t mean you expect your house to burn down. It’s just a precaution in case it does.
Disagree. Protect yourself from alimony/spousal support if your state law allows it.
With so many people living together, buying homes together, having kids together, and combining finances without getting married, I think prenups (or some kind of domestic partnership agreement) need to be seen more like wills. It's a legal document stating who gets what and how the kids would be cared for, if the couple splits up. Make these decisions while you two still love each other rather than dragging it out later and using your kids to get back at each other when you're angry with each other later.
There is nothing wrong with wanting a prenup. Dave is completely out of line here. If two people have the same wealth, there is nothing wrong with getting a prenup. How does Not wanting a Prenup be a sign of loving somebody?
You need to go into marriage planning to do everything you can to work it now, not having an escape plan for when you are no longer having fun.
@@allmight9840 if 40-50% of marriages end in divorce, it would be foolish to think any two people are the exception. Imo the high rates tell us that people change and unforseen circumstances whether intention or accidental can happen. I think prenup or no prenup is fine but personally I would support anyone that would want to get one given the statistics.
@@allmight9840 Can you think of any situations where it's not worth working on?
Mike B theoretically, yes, but if divorce rates scare you, you’re probably better off not getting married. The divorce turns acrimonious, don’t think someone isn’t going to try to get the prenup thrown out and despite what I hear about “iron clad prenups” many do get thrown out. Divorce sucks, or so I’ve heard, regardless of whether or not you have a prenup. You have to decide for yourself if you are willing to take the risk.
I absolutely disagree with Dave. People change in marriages all the time. She is being smart, I'd ask for a prenup too.
A marriage is a contract. A prenup is a contract. A prenup is simply overriding the terms of the marriage contract, which aren’t fair in the case of a divorce. This is terrible advice Dave. Normalize prenups!!
Marriage is a financial transaction. She is protecting her assets so the guy doesn't turn on her to take half her money. Prenups are necessary.
Agreed..I just do not understand the offense taken in a situation like this. 🤦🏼♀️ If you have a problem with signing a prenup then you likely are not in the relationship for the right reasons. If you truly love and respect someone who has worked very hard to create wealth/assets, then why would you be the least bit intimidated.
I totally disagree. He doesn't have any of the details
if you love your partner and respect your partner’s boundaries, then yes, prenups should be fine bc sometime nothing lasts forever, and sometime divorcees don’t like each other
Disagree with Dave. I have no problem with signing a prenup and expect the other person to as well.
Everyone has a prenup. Either you decide the terms yourselves or the government does. GET A PRENUP!
What if you’re “low-income” at the time of marriage and then you have massive career trajectory? I feel like a pre-nup should be put in place regardless of how much money is involved at the start.
👍
Only job with that level of income spike where a prenuptial agreement makes sense, is acting/music. And if someone is willing to ride the roller coaster of entertainment enterprise, they would be entitled to some of the gain should there be a divorce
What are the chances of that happening?
Probably close to zero %
Once married, it's harder to decide that a party had no impact on the future massive benefits, or to quantify that contribution in advance. It would be weird to me to marry someone of equal income and decide together "if either of us makes any real money, we don't have to share with the other". Maybe you're onto something in a high divorce world, but may as well stay single and live with your gold (or dreams of gold).
nope! Shared household is a thing. If you're able to work 30 minutes later at work and impress your boss because you knew your spouce would be able to pick up the kids from daycare, the promotion you get belongs partially to your spouse. Are you able to spend more time in classes or learning a skill because your partner is committed to doing housework and feeding you??? Whatever success you get out of that time spent improving yourself belongs partially to your spouse and they deserve to be compensated if you were to ever separate.
Money is red meat when a marriage goes on the rocks.Relationships are like golf,you get married for show and divorced for dough.
Completely disagree with Dave here. His stance is ridiculous. If you ask for a prenup and the person gives you a hard time about it then walk away. It means they are looking at you as a pay check.
Acting like she doesn’t Love him if she wants a prenup is the most ridiculous thing to say!
I absolutely disagree. She DOES want to marry you, she's just protecting herself against the vast array of LIFE that happens. She's probably seen divorce, infidelity, etc and is rightfully hedging against being financially destroyed if that happens to her. Dave, not every single situation has a cookie-cutter answer.
Maybe she’s testing him to see if he really loves
Her. Or for her big money she will be earning?
If that's her test, she isn't worth it.
I disagree, her doctors wages and savings are "extreme" to her situation, afterall what's Wrong with protecting yourself if the worst happens, divorce is a 50/50! risk!, Why is insurance for homes, cars etc acceptable but pre nup insurance not?
She can do better than you and she knows it. No woman wants to ruin her body for a baby by a man she will also have to support financially like an overgrown kid. Let her go and find someone on your level.
A prenup is like insurance, nobody buys insurance because they anticipate that something horrible will happen. they buy it as a safety net incase something horrible does happen. It's hard enough going through a divorce, but why add financial stress into that mix? All couples should have a prenup, its just an agreement between 2 people about who gets what so that there are NO SURPRISES down the road. Dave would rather let the STATE decide who gets what, instead of the couple. Thats what happens when you dont have that agreement/prenup up front
If you have worked hard for your wealth then it’s not a crime to want to protect it when you take the RISK of attaching yourself to another human for the rest of your lives. Ppl do not stay together as long these days so even though you know and love your fiancé a preunup is not a big deal. Prenups aren’t bad omens they are a form of insurance for the RISK you take through matrimony.
Well since you're marrying her for the rest of.your life, what's the problem?
*"Well since you're marrying him for the rest of your life, why even mention prenup?"*
Yea , dave's boomer mentality of live and let live shows when prenups come up
Dave is the wrong person to get this type of advice from
Want's wrong with signing the prenup if you don't plan to live off her money ever? Be a man.
This is completely inappropriate and should not be the point of view of a counselor - RUclips or not. Dave Ramsey has one video of a man asking for a pre-nup and agreeing with the man’s point of view that he should get a pre-nup. Then Dave Ramsey has this video where a woman is asking for a pre-nup and his advice is that she’s not as special as she thinks she is. Pre-nups, in general, are not just about your current net worth. They are about future net worth as well. If the woman has invested money, time and energy into acquiring a career as a doctor (or any education that requires a doctorate) - which can be very lucrative, then she would want to protect her future earnings - end of story. The individual posing the question should not be insulted by her request to protect her future or current assets. A prenup is not a guaranteed divorce. It is insurance. A counselor should not be telling you not to get insurance. You never want to use insurance, but you should have it in case an accident happens. Bad advice. Thumbs down.
What an unsimp response. Is this really dave??
Dave sided with the man for once lol 😂