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My initial interest in prenups started after a disastrous divorce. I had significant pre-marital real estate assets that I did improvements on and paid the mortgages from earnings after we married, or as I learned later, community property earnings. Needless to say, those assets were all divided in half.

Had I known about prenups, that all would have been avoided. It was the "divorce insurance" I so needed. Let's face it, the divorce rate is very high.

In fact, the divorce rate is still hovering around 50%, but that is for first marriages. For subsequent marriages, the divorce rate is even higher. Second marriages have a divorce rate of 67%, with third marriages faring even worse, with a 73% divorce rate.

We all have the best intentions, but we also need to protect ourselves to minimize the downside risk based on those statistics.

Please learn from my lesson!

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