When two people fall in love and begin building a future together, conversations about finances, boundaries and long-term goals become increasingly important. Among those sometimes awkward but crucial topics is the prenuptial agreement.
Though often viewed as unromantic, prenuptial agreements can serve as a practical tool for transparency and security. But when is the right time to bring it up? How soon is too soon?
Start the conversation early—but not immediately
The best time to bring up the idea of a prenuptial agreement is once the relationship has shifted from casual to committed. Prenuptial agreements should be on your mind if you’re already discussing:
- Moving in together
- Merging finances
- Marriage
Waiting until wedding planning is in full swing—or worse, weeks before the big day—can create unnecessary tension and pressure.
Approach it with openness and intent
How the topic is introduced can make all the difference. Instead of framing it as “protecting what’s mine,” it helps to speak in terms of shared goals, clarity and mutual protection. You might say, “As we get more serious, I think it’s important that we have open conversations about finances, including things like prenups. It’s also wise to do your homework beforehand. Understand what a prenup can and can’t do, and come to the table informed but flexible.
A sign of maturity, not distrust
Discussing a prenup isn’t a sign that a couple lacks trust—it’s a sign that they’re willing to engage in difficult conversations for the sake of their shared future. Think of it like buying home insurance: you hope you never have to use it, but it gives you peace of mind to know it’s there.
There’s no universally perfect moment to bring up prenuptial agreements, but waiting until the last minute can backfire. Ideally, the conversation should begin once marriage feels like a real possibility, long before invitations are sent or dresses are bought. Talking about a prenup can strengthen your relationship when approached with legal guidance and mutual respect.