Male (25) and GF (26) have been together 3 years and plan on getting engaged soon and married going into the new year at a court house. My NW will be 200k (401k, savings, investments) by the time we get married. I work full time with an above average income. GF is 10k in debt and is searching for a full time job after attempting getting her education and it not working out. Once she’s begins working, I’ve informed her I’ll continue paying the bills and she can take a year and build herself up financially and pay off loans. More than likely eventually she’ll try her hand at pursuing her education. Her parents have supported her throughout her career pursuit and we have lived separately up until the past month.
Spoke to my Dad recently about the engagement and he wants me to get a prenup. I’ve had the idea before but just left it as a thought. All that said, I believe she’s an awesome woman for me. We get along really well and she’s not a huge spender. I am absolutely in love with her and honestly see a future with her.
She said she’s open to it but last time we talked she feels like I’m preparing for the end and got pretty down about it. I understand my situation is atypical for my age and I don’t want to compare her on where she should be in life because everyone journey is different. I only want what’s best for her and I’m not trying to be greedy with her in this whole ordeal.
Should I get a prenup? If so, how stringent should it be? My thought process: what made before marriage and all interest accumulated in the future from pre-marriage assets is separate property. Inheritance is completely separate for both of us even if used for a joint transaction. After that, I’m open to splitting everything 50/50 post marriage, but is this even fair for me. Any advice?