I’m about to delve into a very complex topic that varies wildly based on the city/state/province and country in which you reside. There is no way I can be comprehensive or even accurate in a generalized article like this directed at a worldwide audience.
Instead, I’ll give you a basic overview on how to manage the legal aspects of when you have an OLTR Marriage. Please, please, please refer to a family or divorce attorney where you live if you have any questions on this topic. He will be able to help you in ways I can’t; anything he says will override anything I say on this topic. Again, the laws vary too much.
The first aspect you need to address when you live with a woman is, if possible, to ensure that the living together aspect does not become a legal marriage, common law marriage, or what is considered a “marriage-like relationship.” I said if possible because in many, perhaps most cities in the left-wing Collapsing West, pretty much any time you live with a woman full-time for more than a few years will automatically be considered a relationship like this no matter what you sign.
Regardless, you need to determine if this is an option where you live, then sign the legal paperwork with you and your OLTR wife that signifies this. When you sign anything, you need to get it notarized. Any signatures with both of your names on it won’t be enforceable otherwise.
If you live in a region where this isn’t possible, then you need to either A) move to another city before you move in with a woman; B) plan on kicking her out of your house right before the relationship becomes a de facto marriage (and make sure she knows this is the plan); C) go ahead and let the relationship become a de facto marriage but make sure you enact numerous other safeguards well before she ever moves in with you (which may be less effective and will cost more money in legal and banking costs). The choice is yours.
The point is to be informed and have a well-thought-out plan BEFORE she moves in with you. For fuck’s sake, don’t be like every other moron who just moves in with a woman without evaluating all of these aspects.
The next thing to address is something most jurisdictions call “communal property.” Communal property (CP) is any assets that are considered both you and your wife’s. If you split up, all CP is split 50/50 between you and her, regardless of who owned it before the marriage or who earned it during the marriage. In most jurisdictions, this will be done even if you’ve signed a prenuptial agreement or similar document. It’s very hard to find a way around a 50/50 split of CP.
However, what you can do (in some jurisdictions) is carefully define all (or most) of your assets and earnings as individual property or personal property (PP) instead of communal property. If you split up, she will receive 50% of your CP but she can’t get any of your PP, and the same is true with her (you won’t be able to get any of her PP). Of course, there can be many exceptions to this based on the scenario, legal paperwork, and regional laws.
The goal is to assign all of your current and future assets (or at least as much as is allowed in your region) as PP, and either have no CP or a very tiny pool of CP that you don’t mind losing half of in a divorce. Your legal paperwork will define all of this.
Next, you need to make sure your legal paperwork absolves you of any and all alimony or palimony. Interestingly, this is usually the easiest part, though not always. Some places, like California, will force you at gunpoint to pay your ex-wife alimony for the rest of her life if you were married for more than ten years even if you both signed a prenup. (Men who get legally married in places like this are either tremendously reckless or flat-out insane. I laugh hysterically every time I see a pick-up artist or red pill guy in California get legally married, and I’ve seen it many times.)
Child support can’t be avoided no matter what you do. If you make kids with her, you’re going to pay child support no matter what. That should be something you budget before you ever impregnate a woman, as I discussed here. Just realize in most parts of the West, there is no magical document you can sign that forever protects you from paying child support. If the mother pushes the issue, you’re going to pay it or go to jail.
Next, you need to engage in asset protection. This is the legal practice of protecting your assets so your wife can’t take them away from you in case of a break-up or divorce. This is done using things like corporations, trusts, family members, creative investing, stateless assets, paperless assets, and offshoring your assets to distant countries far away from your wife’s reach. Asset protection is a huge topic and beyond the scope of this article, but the point is that a massive layer of asset protection is required in addition to all of the legal paperwork you sign with your wife. Just getting a prenup and calling it a day is not going to do it.
Too many guys get prenups (or similar paperwork) but then do the usual thing of owning a house, a small business, and a 401k or IRA in their own names. They don’t actually protect anything. Then they get a divorce and the wife (with the help of our anti-man legal system) plows through his paperwork and she takes everything. Don’t make this mistake. Asset protection is required in an OLTR Marriage.
Next, you need to enforce a forever separation of finances. This is something I’ve talked about at great length many times before. This simply means that you don’t ever have any shared assets, debts, accounts, or leases with your wife. Everything is either in her name or your name. Nothing is in both of your names.
I love these idiots who move in with their girlfriends, refuse to marry her and think they’re being smart, then buy a house with her. NO! The house, just like everything else, needs to be 100% hers or 100% yours. Share everything with your wife, but co-own nothing with her.
Moreover, this must always be the case. If you start out with all finances separate but then you get complacent a few years in and start combining things, you destroy all protections of having things separate, and now everything possibly becomes CP. Very bad.
Those are the basics. As I’ve said before, I’m legally barred from discussing anything I have done legally or financially with my marriage to Pink Firefly so I can’t and won’t answer any of those questions in the comments, but I’m happy to answer general questions on this topic. It’s an important one.
And I’ll repeat one key item that bears repeating: Do not move in with a woman under a romantic context until you are at least 35 years old. Otherwise YOU ARE STUPID. You can certainly see how complicated this stuff is and you’re not ready to do it if you’re a young guy.