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The new power move: why smart women are demanding prenups

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Summer weddings are in full swing and the peak fall season is approaching, with September and October accounting for one-third of all marriages annually, according to The Knot. While trends in the ideal months to marry rarely change, women marrying in 2025 have fundamentally different financial profiles than previous generations.

Today’s brides are CEOs, startup founders, creators and brand builders, engineers, physicians, real estate investors, scientists, and small business owners. They have negotiated complex equity packages, are growing businesses and brands, and have acquired significant assets, with women outpacing men in attaining advanced post-graduate degrees and purchasing single family homes. They will reap the benefits of an estimated $80 trillion “Great Wealth Transfer” of inherited assets from Baby Boomer parents, a wave that will significantly reshape our economy and financial landscape.

But when it comes to the institution of marriage, many of us are still operating by the rules of an outdated playbook that treats transparent conversations about financial planning as unromantic. It is time for that narrative to change. In fact, the first legal experience that every couple should have isn’t a will – it’s a prenup.

The modern marriage paradox

Here’s the uncomfortable truth: while women now out-earn or make the same as their partners in nearly half of marriages, with this share having approximately tripled over the past 50 years, many are entering marriage with less financial protection than they’d accept in a business partnership. We would never launch a startup without equity agreements or join a company without understanding our compensation package. Why are any of us willing to say “I do” without a clear financial framework?

The modern marriage paradox has conditioned us to view prenuptial agreements as an instrument of mistrust that represents planning for failure, rather than success. This framing is not just fundamentally flawed, it’s financially dangerous.

This means businesses

After divorce, women experience nearly two times the income drop (41%) compared to men (23%), creating long-term financial exposure. For business owners and equity-holders, the stakes are even more significant: divorce can mean losing control of a company built from the ground up.

Among the customers of our online prenup platform, First, roughly 50% of our prenup initiators are women. They come with an understanding that having the most important financial conversations before marriage strengthens the foundation of their relationships, rather than weakening them. Dialogue about values, goals, expectations, and personal finances serves couples throughout their union. These couples understand that the prenup is a joining point, not a breaking point.

Modern women have discovered that prenups offer something more valuable than asset protection. They provide a strategic advantage and thoughtful framework for financial partnership. Think of the prenup as a business plan for the financial future of a marriage.

Meet today’s modern bride

Today’s modern couples are using prenups to address student loan debt, protect family businesses, clarify expectations about inheritance, and establish financial boundaries around spending and saving. A teacher marrying an AI engineer might use a prenup to protect one’s pension while clarifying how they’ll handle the other’s stock options. A freelance designer might want to ensure their creative business remains separate property while building shared wealth with their marketing executive partner.

I recently spoke with Rachel, a creative entrepreneur and technology executive who signed a prenup before her April 2025 wedding. Her prenup wasn’t about keeping assets from her partner. It was about creating clear expectations for how they’d build wealth together while protecting what each brought to the relationship, including social media channels and business ideas they dream up together or separately.

“I love that we live in a time where prenups are being reclaimed by wealth-building, entrepreneurial women,” Rachel told us. “Prenups aren’t just about who gets the house or the car. As women, it’s time we remove the stigma around prenups, not just for us and our assets, but for our partners and [their assets], too.”

Equally important is Melanie, who told me, “I didn’t want individual financial mistakes to become our financial mistakes.”

A Mindset Shift For Millennial and Gen Z Couples

Millennial and Gen Z women are approaching marriage with a fundamentally different mindset. They’ve witnessed their parents navigate difficult divorces without adequate protection. They’ve seen friends lose businesses or inheritance in messy separations. Importantly, they understand that love and financial planning aren’t mutually exclusive. They’re complementary.

This shift is particularly pronounced among high earners. About 47% of newlyweds and engaged couples between the ages of 18 and 34 are now considering prenups, recognizing that their financial success requires protection, just like any other valuable asset.

Normalizing prenups

The path forward requires us to shift our mindset to consider the prenuptial agreement as a standard tool in money management and as essential to career planning as negotiating one’s salary or equity in a job offer. This shift has already started to take place because of successful, modern women who are demonstrating that financial planning and romantic love can coexist harmoniously.

Women rewriting the financial playbook for marriage are not pessimists planning for divorce. They are modern, savvy optimists that believe their relationships can handle honest and transparent conversations about money. These modern couples are more likely to weather financial storms because they have started out by planning for sunny skies and rainy days alike.

In a world where financial independence is more within reach than ever before, protecting that independence is not selfish. It is smart. And smart people deserve marriages built on clarity, equity, and mutual respect.

The question is not about whether you’re planning for the worst. It is about whether you trust yourself enough to plan for the future you deserve.

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.

Introducing the 2025 Fortune Global 500, the definitive ranking of the biggest companies in the world. Explore this year’s list.



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HP’s chief commercial officer predicts the future will include AI PCs that don’t use the cloud

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Increased focus on “privacy and security” may open the door for AI-enabled devices rather than rely entirely on cloud computing and remote data centers. 

“In a world where sovereign data retention matters, people want to know that if they input data to a model, the model won’t train on their data,” David McQuarrie, HP’s chief commercial officer, told Fortune in October. Using an AI locally provides that reassurance.

HP, like many of its devicemaking peers, is exploring the use of AI PCs, or devices that can use AI locally as opposed to in the cloud. “Longer term, it will be impossible not to buy an AI PC, simply because there’s so much power in them,” he said. 

More broadly, smaller companies might be served just as well by a smaller model running locally than a larger model running in the cloud. “A company, a small business, or an individual has significant amounts of data that need not be put in the cloud,” he said. 

Asian governments have often had stricter rules on data sovereignty. China, in particular, has significantly tightened its regulations on where Chinese user data can be stored. South Korea is another example of an Asian country that treats some locally sourced data as too sensitive to be housed overseas. 

Governments the world over, and particularly in Asia, are also investing in local sovereign AI capabilities, trying to avoid relying entirely on systems and platforms housed wholly overseas. South Korea, for example, is partnering with local tech companies like search giant Naver to build its own AI systems. Singapore is investing in projects like the Southeast Asian Languages in One Network (SEA-LION), which are better tailored to Southeast Asian countries. 

Asian AI adoption

Asia is HP’s smallest region, but also its fastest-growing. Revenue from Asia-Pacific and Japan grew by 7% over the company’s 2025 fiscal year, which ended in October, to hit $13.3 billion. That’s around a quarter of HP’s total revenue of $55.3 billion. (HP’s other two regions are the Americas; and Europe, the Middle East, and Africa.)

McQuarrie also suggested that there was an opportunity to be “disruptive” in Asia. While many business leaders have been eager to embrace AI, at least rhetorically, actual adoption is proving more difficult. A recent survey from McKinsey reports that two-thirds of companies are still in the experimentation phase of AI. 

But McQuarrie believed that AI adoption in Asia could be “just as quick, if not quicker,” than other regions. 

Asia seems to be more comfortable with the use of AI, at least when it comes to users. An October survey from Pew found that fewer people in countries like India, South Korea and Japan reported feeling “more concerned than excited” about AI compared to the U.S. 

When it comes to convincing more companies to adopt AI, let alone AI PCs, McQuarrie said the answer was to make AI functions as seamless as possible, so “that it doesn’t really matter whether you understand that you’re embracing AI or not.”

“What we’re doubling down on is the future of work,” McQuarrie said. “The future of work is a device that makes your experience better and your productivity greater.”

“The fact that we’re using AI in the background? They don’t need to know that.”



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Trump administration waives part of a Biden-era fine against Southwest Air for canceled flights

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The U.S. Department of Transportation is waiving part of a fine assessed against Southwest Airlines after the company canceled thousands of flights during a winter storm in 2022.

Under a 2023 settlement reached by the Biden administration, Southwest agreed to a $140 million civil penalty. The government said at the time that the penalty was the largest it had ever imposed on an airline for violating consumer protection laws.

Most of the money went toward compensation for travelers. But Southwest agreed to pay $35 million to the U.S. Treasury. Southwest made a $12 million payment in 2024 and a second $12 million payment earlier this year. But the Transportation Department issued an order Friday waiving the final $11 million payment, which was due Jan. 31, 2026.

The department said Southwest should get credit for significantly improving its on-time performance and investing in network operations.

“DOT believes that this approach is in the public interest as it incentivizes airlines to invest in improving their operations and resiliency, which benefits consumers directly,” the department said in a statement. “This credit structure allows for the benefits of the airline’s investment to be realized by the public, rather than resulting in a government monetary penalty.”

The fine stemmed from a winter storm in December 2022 that paralyzed Southwest’s operations in Denver and Chicago and then snowballed when a crew-rescheduling system couldn’t keep up with the chaos. Ultimately the airline canceled 17,000 flights and stranded more than 2 million travelers.

The Biden administration determined that Southwest had violated the law by failing to help customers who were stranded in airports and hotels, leaving many of them to scramble for other flights. Many who called the airline’s overwhelmed customer service center got busy signals or were stuck on hold for hours.

Even before the settlement, the nation’s fourth-biggest airline by revenue said the meltdown cost it more than $1.1 billion in refunds and reimbursements, extra costs and lost ticket sales over several months.



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Trump slams Democratic congressman as disloyal for not switching parties after pardon

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Trump blasted Cuellar for “Such a lack of LOYALTY,” suggesting the Republican president might have expected the clemency to bolster the GOP’s narrow House majority heading into the 2026 midterm elections.

Cuellar, in a television interview Sunday after Trump’s social media post, said he was a conservative Democrat willing to work with the administration “to see where we can find common ground.” The congressman said he had prayed for the president and the presidency at church that morning “because if the president succeeds, the country succeeds.”

Citing a fellow Texas politician, the late President Lyndon Johnson, Cuellar said he was an American, Texan and Democrat, in that order. “I think anybody that puts party before their country is doing a disservice to their country,” he told Fox News Channel’s “Sunday Morning Futures.”

Trump noted on his Truth Social platform that the Democratic President Joe Biden’s administration had brought the charges against Cuellar and that the congressman, by running once more as a Democrat, was continuing to work with “the same RADICAL LEFT” that wanted him and his wife in prison — “And probably still do!”

“Such a lack of LOYALTY, something that Texas Voters, and Henry’s daughters, will not like. Oh’ well, next time, no more Mr. Nice guy!” Trump said. Cuellar’s two daughters, Christina and Catherine, had sent Trump a letter in November asking that he pardon their parents.

Trump explained his pardon he announced Wednesday as a matter of stopping a “weaponized” prosecution. Cuellar was an outspoken critic of Biden’s immigration policy, a position that Trump saw as a key alignment with the lawmaker.

Cuellar said he has good relationships within his party. “I think the general Democrat Caucus and I, we get along. But they know that I’m an independent voice,” he said.

A party switch would have been an unexpected bonus for Republicans after the GOP-run Legislature redrew the state’s congressional districts this year at Trump’s behest. The Texas maneuver started a mid-decade gerrymandering scramble playing out across multiple states. Trump is trying to defend Republicans’ House majority and avoid a repeat of his first term, when Democrats dominated the House midterms and used a new majority to stymie the administration, launch investigations and twice impeach Trump.

Yet Cuellar’s South Texas district, which includes parts of metro San Antonio, was not one of the Democratic districts that Republicans changed substantially, and Cuellar believes he remains well-positioned to win reelection.

Federal authorities had charged Cuellar and his wife with accepting thousands of dollars in exchange for the congressman advancing the interests of an Azerbaijan-controlled energy company and a bank in Mexico. Cuellar was accused of agreeing to influence legislation favorable to Azerbaijan and deliver a pro-Azerbaijan speech on the floor of the U.S. House.

Cuellar has said he his wife were innocent. The couple’s trial had been set to begin in April.

In the Fox interview, Cuellar insisted that federal authorities tried to entrap him with “a sting operation to try to bribe me, and that failed.”

Cuellar still faces a House Ethics Committee investigation.



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