This Valentine’s Day, amid proposals, engagement announcements, and wedding planning, experts are urging couples to pause and think beyond the romance.
Legal expert Susan Abro emphasises that planning an antenuptial contract is one of the key steps couples should consider as they embark on their marital journey.
“Valentine’s season is often associated with engagements and wedding planning, which makes it an ideal time for couples to reflect on the full meaning of marriage,” Abro told the Saturday Star.
“Marriage is not only an emotional commitment but also a legal and financial partnership which lasts forever. An antenuptial contract allows couples to make informed decisions about how their assets, liabilities and financial responsibilities will be managed during the marriage and in the event of death or divorce. Considering this early allows couples to enter marriage with clarity and mutual understanding, which can prevent uncertainty and conflict later. Couples spend untold thousands for one day (their wedding day) and often give very little thought to planning for the rest of their lives.”
Abro highlighted that misconceptions often prevent couples from taking this step.
“One of the most common misconceptions is that an antenuptial contract suggests a lack of trust or that couples are planning for divorce. In reality, it is a practical legal tool designed to create transparency and fairness. Another misconception is that certain marriage regimes automatically guarantee asset protection or sharing. Recent legal developments, including Constitutional Court rulings, have shown that outcomes may depend on factors such as equity and contribution. This highlights the importance of proper legal guidance so couples fully understand the implications of their chosen marital regime.”
Financial wellness is also critical. JustMoney’s survey, Money & Me, found that 42% of women report feeling financially stressed, compared to 34% of men.
“How well partners manage money can ultimately make or break their bond,” explains Sarah Nicholson, customer experience manager at JustMoney.
“Couples don’t need to view money in the same way or earn the same amount, but they do need honesty, clarity, and shared goals. Open financial conversations are important for everyone. While men and women may approach money differently, good money management is relevant for any couple, regardless of gender.”
Cebile Zibi, Head of Trade Marketing at Momentum Advice, adds that professional guidance helps couples plan proactively.
“Financial advice is often misunderstood as being solely about numbers. In practice, it plays a broader role. A financial adviser acts as a professional partner, helping individuals step back from day-to-day noise and focus on the bigger picture. Where they are now, where they want to be, and how to get there.”
“Engaging with advice supports a shift from reactive decision-making to proactive planning. It creates a structured, non-judgmental space to address protection planning, debt, savings, and long-term goals with greater confidence and clarity. Over time, this clarity becomes an emotional safety net. When people feel financially grounded, they are better equipped to handle life’s disruptions and opportunities without unnecessary stress.”
anita.nkonki@inl.co.za
Saturday Star