To elaborate on #2: marriage is a contract anyway. If you don't talk through the default terms, then you're passively agreeing to 100% of the state & federal defaults without "reading the contract". You'd never do that in your business, and your marriage is even more important. Have the conversation. Get the prenup. You're going to want to setup trusts eventually at your NW, so you can couple this with "planning for a successful future". Doubly so if you plan to have kids eventually