This is the conversation nobody has, until it is too late to have it. Here are the actual words, so you do not have to find them yourself.
If you two talk about money easily already.
Hey, can we talk about something? I read about this thing called ForBothOfUs. It is basically an agreement couples set up while things are good, so if we ever separated, we would both stay financially okay. Not because I think we will. Just because almost nobody plans for it, and that is exactly why it goes so badly when people do not.
Can we look at it together?
If money talk usually goes sideways, or the moment feels wrong.
I came across this and it made me think of us, in a good way. It is called ForBothOfUs. Couples set it up while they are happy together, so that if life ever pulled them apart, neither person would end up carrying all the risk alone.
I am not bringing this up because I am worried about us. I just do not want either of us to be the person who did not plan for something, because planning felt like a bad omen. Want to have a look, no pressure?
Neither version asks for a decision today. Both just open the door. See how we worked this out.