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What can my son do to protect his hard-earned savings if his fiancee refuses to sign a pre-marital agreement and yet he goes ahead and marries her ?

Firstly, under Israeli law property acquired by one party before the marriage is  not generally regarded as joint property, that can be balanced out between spouses. This principle is so, even if a pre-marital agreement which would make this even clearer, and erase any doubt, is not signed. Secondly, your son would be advised to keep this money separate, in a bank account in his name only, and not put it in a joint account.