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Telling your significant other how much money you make or how much debt you have can be an awkward conversation. But discussing whether you should sign a prenuptial agreement before marriage is next-level uncomfortable.

Having tough money talks is the entire focus of a book I recently read — “Broke Millennial Talks Money” by Erin Lowry. And yes, there’s a section on prenups and how to tactfully ask for one.

Lowry chatted with The Penny Hoarder via Facebook Live last week, and she talked about how people ought to reframe the way we think about prenups. Prenuptial agreements should be viewed as marriage insurance, she said, rather than an indication that you don’t love or trust your future spouse.

Just like you buy auto insurance or renters insurance — not anticipating a disaster, but for protection in case something happens — a prenuptial agreement is a way to create what Lowry calls an “equitable division of assets or any debt” should your marriage end.

That said, I’m curious... What are your thoughts on prenups? Would you ask — or have you asked — your partner to sign one before marriage?

**Writer at The Penny Hoarder. All opinions expressed are my own and don't necessarily reflect the views of The Penny Hoarder.**

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@MsKimberly, I definitely think trust is key and I agree that you shouldn't marry someone you don't trust. But I also think many couples go into a marriage fully trusting each other and things just shift over the years or decades.

I don't think a prenup has to indicate a lack of trust. It's just setting things up so that if you ever do part, you've collectively decided on a fair way to split everything rather than leaving it up to whatever the state or a judge decides.

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