Nope, Dave Ramsey says that Pre-Nuptuals are a symptom of distrust - a very bad sign. He regularly catches couples with His/Hers checking accounts and when he does he directs them to examine the Trust issues in their marriages and says it is not a financial issue but a Marital issue for possible counseling.
If he took passage on a ship with two separate watertight compartments, I suppose he'd call the designer and hector him about the trust issues with his engineering.
Sheesh.
“Nope, Dave Ramsey says that Pre-Nuptuals are a symptom of distrust - a very bad sign.”
For the vast majority, you are correct. In some rare instances, I have heard him support a pre-nup. Those rare instances involved a large amount of wealth by either the bride or groom.
As far as His/Her checking accounts are concerned, most of the accounts Hubby and I have are joint accounts, but when I was left a bit of money when my Mama died, he encouraged me to open my own accounts, in my own name. His thought was that, if he died suddenly, and I had no credit already in my own name, it could me more difficult for me to get it. Of course, that was before banks and organizations started sending credit card applications in the mail every other day!
But I see no problem having separate checking accounts, or even credit cards, as long as it isn't done to hide a money problem, or some other issue, on the part of either spouse. But I think it's crucial for both husband and wife to learn to handle the finances, in the event one dies unexpectedly.
As you and Dave Ramsey say, a symptom of distrust. Or sometimes, a symptom of disinterest. But either way, seldom a good sign for the health of the marriage relationship.