When it comes to marriage, we'd all like the fairy tale ending.

But are you prepared for what could happen if either one of you has a change of heart?

One way to protect yourself and your stuff is through a prenuptial agreement, or prenup.

According to Max Hanson, an attorney at Owens & Perkins in Scottsdale, prenups aren't just for the rich.

He says you'll see a variety of people coming in for a prenup these days -- from first-timers to people on their third marriage.

Arizona is a community-property-law state.

"There's a presumption that each party, each spouse, has an equal interest in anything acquired during the marriage," explained Hanson.

If you want what's yours to stay yours after the marriage, Hanson says, get the prenup.

"It's just like getting automobile insurance or anything else," he said.

Kiilu Davis is also an attorney keeping up with prenups with what you can -- and can't -- put in them.

According to Davis, in a prenup, you need to make sure you're not invading on someone's constitutional rights or right to privacy.

So what should go in there?

"Assets, debts, and what's going to happen to those items at the time of either a divorce or death," Davis said.

Those fights over finances can be dangerous.

Experts say, make sure -- before you tie the knot -- you talk about whether you will have joint or separate bank accounts.

Don't be afraid to run your soon-to-be spouse's credit report. It's one way to be certain you know how much he or she owns or owes.