All this means more women than ever need advice about how to have an uncomfortable conversation, one in which they talk candidly about what will happen financially if their marriages don't work out. Von Tobel says men and women both need to remember that a prenup isn't "betting against your marriage," any more than life insurance is betting on your untimely death. Instead, she says, partners should think of it as a way to protect them both in a worst-case scenario. It's best to discuss the prospect when both parties are sober and relaxed — she recommends a Saturday afternoon when they have plenty of time. And, she cautions, even if you do it just right, talking about a prenup is going to be difficult. But the more women — and men — talk openly about money issues, the more comfortable it will be for everyone.