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A prenup may be more needed for those marrying later in life

The cliche engaged couple is still rather young, perhaps fresh out of college, without any serious income or children. They may not even have full-time jobs yet, and they have probably not accumulated any wealth. As such, though they can use a prenup, it's a bit harder to find a reason to do so.

However, the reality is that many people in Florida get married—perhaps for the second time—when they are in the middle for their lives. For those in their 40s, 50s, and 60s, a prenup may make a lot more sense because people at this age are more likely to:

-- Own their own businesses-- Make $100,000 or more every year-- Have retirement funds-- Have investment portfolios-- Have a significant amount of life savings-- Own their own homes

This does make marriage a bit more of a risk. If you are a business owner who pulls in $250,000 a year and has a home that is paid off, do you really want to risk significant losses in a divorce?

The whole thing works both ways, as well. People who meet at this stage in life may both have significant assets and advanced careers. The prenup is not just a way for you to protect what you've worked for, but for your potential spouse to do the same thing. It can give both of you peace of mind because you'll know that you'll never need it if the marriage works out, but that you're also safe if things don't go as well as you hope.

If you think a prenup may be helpful, be sure you know when and how it must be written to be legally binding.

Source: Next Avenue, "Getting Married? 5 Rules for a Midlife Prenup," Kerry Hannon, accessed Oct. 29, 2015

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