To assert her financial contribution during divorce, Morgan calculated the market cost of her labor as a stay-at-home parent (nanny, cook, housekeeper). This reframed her non-monetary work into a tangible economic value, aiding in a fair settlement negotiation.

The extreme demands of top-tier jobs often require a complete outsourcing of one's personal life. The statistic that 80% of men in the wealthiest 1% have stay-at-home wives reveals a hidden subsidy: their elite success is built on the foundation of a partner's full-time, unpaid domestic labor.

A prenuptial agreement isn't about planning for divorce; it's about customizing the legal and financial terms of your marriage contract. If you don't create your own, you are implicitly accepting the default contract written by your state's laws, which may not align with your intentions.

To counteract financial dependency, a stay-at-home partner can quantify their domestic labor by calculating the market rate for their duties (e.g., nanny, housekeeper). This allows them to negotiate a form of compensation to be paid into a personal account, creating financial independence within the relationship.

Your choice of a life partner has a greater impact on your financial future than any career or investment. Financial incompatibility is the number one reason for divorce, underscoring that marriage is a financial contract at its core, where alignment on money matters more than romantic feelings for long-term stability.

Avoiding the difficult conversation about unequal domestic labor leads to predictable, negative outcomes: becoming a "gray version" of yourself, parenting your partner, emotional affairs, or divorce. Recognizing these stark alternatives makes the conversation a necessary action for self-preservation, not an optional conflict.

Instead of battling over individual assets, couples should first negotiate the overarching ratio of their post-divorce living standards (e.g., 1:1 after a long marriage). This principle-based agreement provides a clear framework for dividing assets and support, preventing fights over minor items.

A growing trend in prenups involves clauses designed to protect second-generation wealth. Parents who plan to leave significant assets or provide ongoing financial support are now insisting their children get prenups to ensure family money doesn't become divisible marital property in a divorce.

While a prenup is negotiated in good faith before marriage, a postnup often arises from a marital issue like infidelity. This timing can lead courts to view it as the first step in a divorce negotiation, not a marriage plan, making it more susceptible to being challenged and overturned.