Neptune

It’s October 3rd. So obviously I'm talking about Mean Girls. Cady (Lindsay Lohan) and Aaron (Jonathan Bennet) end up together, which is cute for a high school movie ending but what happens a decade later? Cady (29): Daughter of research zoologists, mathlete champion, now a founder. Dropped out of her PhD to launch an AI for researchers startup (her initial wedge is zoologists) and just got into YC. Aaron (31): The movie tells us he only cares about “school, his mom, and his friends.” The smarty pants Northwestern alum went to be an APM at Google after graduating and is now a PM at Anthropic. As they're planning to get married, here are three conversations they should have: 💰 💼  Founder goals v. reality: Startups are hard. What does Cady’s role mean for income, free time, mental and physical wellness? What support - financial or nonfinancial - will she need from Aaron? 💝 👵  Aging parent caregiving: Aaron’s mom is older and dealing with some health issues. Do they move her from Evanston to the Bay Area? How should they think about the time, costs and decision making of caregiving to parents? 👶👨🍼  Raising children and spousal support: Aaron loves his job but also loves the idea of “house husband”. How do they want to handle time at home, financial planning, and spousal support if someone steps back from work for the family? Because even the “It Couple” needs more than a cute date on the calendar, they need a plan for the big decisions in life. That’s fetch. -- I'm Sol Lee, cofounder of Neptune, a concierge that modern couples trust to talk through the hard stuff and design a plan that strengthens a partnership.

“I moved to NYC for you. Now I’m behind….and you want a prenup?” This is a real (anonymized) Neptune couple: both in finance. He got the promotion so they moved.  She left her role, lost her network. Two years later, she’s ~$200k off the path she was on. He thinks "we decided together." She thinks "I took the hit." They’re both right. The problem is relocation isn’t neutral. One career accelerates; the other pays in momentum, network & a salary reset. Some couples offset it through higher expense split, retirement contributions during the rebuild, actual line items in the prenup. Whatever you do, don’t wait until the moving truck arrives to have the conversation. —------------------ These are dramatized but true stories from Neptune couples. Navigating love × money with your partner (including prenups)? Neptune is here for you.

Excited to announce we've raised... ...my stress levels to unprecedented heights after 2 hours on hold with the IRS for one form Other fun things in this round include: * One leaking office pipe (glamorous photo attached) * Zero functional wifi on Amtrak * 47 unanswered emails But seriously, I did land an incredible lawyer partner after 6 months so that's my silver lining of the week.

Nala the Cat is worth more than most startups.  🐈 Nala has her own cat food brand, holds a Guinness World Record, and has 4.5mm followers on Instagram. 😼 But courts would still label her as “property.” Like a couch, or a lamp. But anyone who’s ever had a pet knows this is not true.  🙀 That’s why 10% of prenups today include a pet clause. This number is rising as pets become proxy-kids and when couples split, who gets the dog (or the cat, or the hedgehog with a TikTok following) matters more than who gets the car. 😾 At Neptune, we think prenups should reflect real life and for many couples, that means protecting their pets like family, not furniture. 🛋️ 👉 Would you fight harder for your pet…or your startup?

Team Jeremiah or Team Conrad? For Belly Conklin, the better question is: what kind of partnership are you building, and how should your agreement reflect that? The Fishers - Jeremiah and Conrad - are not just potential romantic partners, they’re brother from a family with generational wealth - including the Fisher beach house. Either choice comes with real planning choices. Here’s how I’d frame Belly’s two potential prenups with the Fisher brothers. Prenup #1 Belly + Jeremiah Context: Early 20s, both have limited assets today but are on different paths (Belly attends school online in Paris vs. Jeremiah on the culinary creator path). What they’d align on: 🏦 Debt stays separate: Given Jeremiah is financially irresponsible despite his father’s finance background, all debts are to remain separate ✍ Full financial disclosures: Premarital financial disclosures are required for the prenup but the couple would continue to have annual checkins on their finances for clarity and trust 🤝 Joint business assets: Should Belly meaningfully contribute to Jeremiah’s channel and brand, she will be entitled to profit-share or equity. 🏠 Protection of inheritance: Should Jeremiah inherit the beach house, it remains in the Fisher family, regardless of marital use Prenup #2 Belly + Conrad Context: Conrad is in medical school with long training ahead but high future earning potential. What they’d align on: 🏠 Protection of inheritance: Same beach house treatment - family property remains family property.  🩺 Use of cash inheritance for marital purposes: When Conrad makes less money during his residency, he will use distributions from his trust fund to contribute to the marital pool since Belly doesn’t have a financial fall back.  👨👩👧👧 Spousal support: If Belly takes a step back from career growth to prioritize family, spousal support ensures fairness, tied to Conrad’s earnings. If Conrad takes that role, he does not get spousal support due to his large inheritance. What I’d tell Belly: Whichever love story wins, the levers are the same: transparency around money, career timing, and how you’ll use (or fence off) family wealth. The right agreement isn’t about who wins, it’s about choices that create alignment. Which scenario feels more equitable to you? And are you happy with how it ended? — I’m Sol Lee, cofounder of Neptune, a concierge that modern couples trust to align and design a wealth agreement that strengthens a partnership.

Want to know one of the most common debates couples have when navigating a prenup? 🤜 💢 🤛 This week’s Communitea Property dives into how a couple in California navigated this debate. Katie, fresh off celebrating her parents’ 40th anniversary, believes combining everything is both practical and symbolic: proof of commitment that can last a lifetime. Jason, on the other hand, grew up seeing not one but two divorces for his parents. For him, keeping finances separate feels like the safer, more realistic choice. This debate of merge all your assets together (Katie’s perspective) vs. keep everything separate (Jason’s perspective) - is one of the most common prenup debates. And if that wasn’t enough, Katie and Jason were hoping to start a family soon. 👶 What would you do? ↔️ Keep things separate? 🤝 Merge it all together? ⚖️ Something in the middle? (yes, this is an option!) Read the full interview here: https://lnkd.in/gJ_5jjRc