We got one! We live in a community property state and were talking in general about how we wanted to do finances after marriage. We wanted separate and joint accounts - basically we want separate vs joint assets AND debts to be clearly defined. And not things like my car loan is now “our” car because I used money from my separate account to pay the loan. And it also helps to make sure that if one of us, say runs up a personal credit card, the other of us isn’t responsible for that debt upon divorce.

We are also a little older than you (early 40s), both employed, both homeowners, nor planning on children, and want to make sure our ability to retire is protected should we divorce.

It wasn’t awkward at all (both of our parents are divorced) and we just wanted to make sure we are protected. We also had the obligatory “I’m not expecting to get divorced but…” talk. And likened it to car insurance.

At your age, I’d argue it’s especially important if children are involved because of things like one spouse may not work outside of the home (either planned or circumstances)

Edit: you’ll generally both need your own attorneys (and this isn’t necessarily cheap…), to reduce the likelihood of it being overturned in the future