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“No prenup!” headlines gasped last year as Kelsey and Camille Grammer’s divorce went public. The star of Frasier reportedly is paying $50 million — serious money even by Hollywood standards — in the divorce settlement with his wife of 13 years.

Other celebrities take a more pragmatic attitude to love. Katie Holmes and Tom Cruise’s 2006 marriage agreement included a contract paying Holmes $3 million for each year they’re married, up to $33 million for 11 years of wedded bliss, in addition to a sizable house, reports said. After that, California law entitles her to half of Tom’s money should the marriage end.

For the rest of us, prenuptial agreements are considerably less high stakes —at least in strictly numerical terms. A few tens of thousands of dollars may mean more to the average couple than a million to Tom and Katie. And as unromantic as a prenup is, brides and grooms getting married this year — no matter what their net worths — should consider whether a premarital agreement is something they want, or need.

via 5 tips for planning a prenup – Business – Your retirement – Personal finance – msnbc.com.