marriage penalty

I think you can possibly pre-nup against having to pay his debts. But in all honesty, it sounds like you’d be better off financially in a domestic partner relationship (meaning “don’t get married”). In fact, to be more blunt, it sounds like getting married is taking a huge financial risk. I can’t see what getting married adds, other than some traditional psychological value. But I can see a lot of potential financial harm that can come from getting married. I don’t think you can pre-nup out of long-term-care (“nursing home”) expenses. I’m happy you two found each other but taking on his financial risk doesn’t seem prudent, based on what you posted.

Daryll44:

I value and appreciate your blunt, honest opinion. I am planning to meet with an attorney about estate planning and elder care issues.

HHP

Best wishes to you.