Premarital is needed to make earnings sole and separate

If you need to protect your fiancee or spouse from your creditors, then simply titling assets as separate property is not enough. A pre-marital agreement or post-marriage agreement is the only way your earnings can be considered separate property under Arizona law. Otherwise, if you use earnings to pay the mortgage or add to an investment in your spouse's name, you risk changing that asset to community property which your creditors can reach.