Louisiana Lesbo thinks her girlfriend has no ambition.

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I have been in my current relationship for almost three years. I’m a young woman, 41, have a great, stable career and make about $100,000 a year. I am ambitious and my prospects have me increasing my income by $10,000 every year. I have about $140,000 in savings, and no debt. I am close to closing on a home, which will be completely financed by me.

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My girlfriend, 38, works a few gig-type jobs that she loves and makes $50,000 a year. She has very little in savings and about $20,000 in student loans, and isn’t in the position to buy or help with a down payment, closing costs, etc. She lives paycheck to paycheck, pretty much, and as she loves what she does, isn’t motivated to do anything else to make more.

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Given all this, I need help figuring out what’s fair for the prenup and for our living situation. For the prenup, I was thinking that we include no spousal support or alimony, no sharing of retirement accounts or contributions made during the marriage, and everyone’s debt incurred during the marriage is their own. The new house and mortgage will be in my name alone. Whatever she contributes to the mortgage will be reimbursed if I ever sell the house — but not if we get a divorce. Also, she will be reimbursed for contributions toward capital improvements.

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We all live in Louisiana — a community-property law state

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