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The Rachel Cruze Show

My Only Exception to This Controversial Money Debate

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 29 September 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   Prenups are a highly debated topic, and you guys know my take—your and your spouse’s money should be viewed as your money together. But . . . are there exceptions? Let’s talk about it on today’s episode.    Next Steps: 🎥 Watch my video The Only Exceptions to My “No Debt” Policy. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show   💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

So I've seen a lot of buzz around pre-ups lately. And after 15 years in the personal

0:10.2

finance space, my thoughts on this one have kind of evolved. So let's have a little pre-nup,

0:15.4

heart to heart. And at the end, I'll share my number one tip on building wealth with your spouse.

0:20.0

Make sure to like, subscribe, and share this episode with a friend. So first, I want to share a recent social media

0:26.0

clip on this topic because on the Ramsey Show, we get calls about pre-nups, and actually within

0:31.4

a week, we had two different calls with two different situations, and we answer them in two different

0:36.1

ways because of it. So here's the first one.

0:38.3

My fiance and I are both 36 years old. We're looking to start a Brady bunch. We've got five kids

0:43.3

between 10 and 12 between us. So the reason I'm calling is because we have a pretty large difference

0:48.6

in assets. So I have roughly $12 million and she has roughly $50,000.

0:55.0

And so we started the process of looking into a pre-up and it's been an emotional one.

1:00.0

And I totally understand why.

1:02.0

So, I mean, she feels like I wouldn't be fully entering the marriage in the same way that she is

1:08.0

because it feels like I'm holding assets, like, separately off to the side.

1:12.8

I'm just looking for maybe more clarity and, like, what you guys would recommend.

1:18.6

I think it is a wise decision to do one. You're not, you're hoping and praying, obviously,

1:24.0

that this is the one and that it's going to last a lifetime. But as you guys

1:28.5

have experienced, you know, there is a reality to all of this. And whenever we, any of us get

1:34.1

married, right? I think there is like this like, okay, I'm choosing you for a reason and for a lifetime. But,

1:39.1

but we also don't live under a rock and know that things change in life and situations come up.

1:44.9

And unfortunately, some really hard things happen and does cause marriages to break up, right?

1:52.1

To enter into divorce.

...

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