By Reagan Steele – Business & Economic Policy Writer

A popular social media quote states, “Don’t feel bad if you haven’t gotten married yet when you’re in your 30s. You just missed your first divorce.”

It’s funny because it’s true — and a brutal reminder of how common divorce has become. Nearly half of all marriages end that way, and if you’ve been married before, your odds get even worse. But what’s wild is how even the people with the most to lose — high-net-worth individuals — still aren’t signing prenups. According to the UBS Global Wealth Report, only about 1 in 10 of them do.

We’re talking folks with $5 million or more in investable assets. You’d think they’d know better. But love makes people stupid — rich or not. Maybe it’s romantic optimism. Maybe it’s fear of setting off a blow-up before the big day. Maybe it’s just denial wrapped in designer packaging.

But let’s be real. If you’re sitting on serious assets and about to say “I do,” here’s the best advice anyone’s gonna give you:

Get a damn prenup.

Hope your marriage lasts forever and it’s all sunshine and grandbabies. But if it doesn’t? At least you’re not handing over half your life savings because you were too scared to have a grown-up conversation. And hey — if your partner flips out when you bring it up? Cool. You just saved yourself from marrying the wrong person. Call it a win.

Congratulations. You dodged a bullet.