Should we consider a prenup, and what does one actually cover?

A prenuptial agreement is a contract signed before marriage that defines how assets, debts, and income are treated if the marriage ends or one spouse dies. It's worth considering if either of you brings significant assets, a business, children from a prior relationship, an inheritance, or substantial debt into the marriage — it isn't only for the wealthy. A prenup can protect a family business, clarify what stays separate versus shared, and shield one spouse from the other's debts. It cannot pre-decide child custody or child support, which courts set in the child's interest. For it to hold up, both people need full financial disclosure, separate attorneys, and no last-minute pressure. Treat it as planning, not distrust — and revisit your estate documents afterward.