Kim Kardashian and her fianc� Kris Humphries are hedging their bets -- they're hammering out a prenup before they tie the knot ... TMZ has learned.�

Sources close to the couple tell us ? both Kim and her NBA star hubby-to-be are telling friends, ?It?s the smart thing to do."� And, by the way, they're right.
We?re told the move isn?t one-sided.� Both Kim and Kris have tons of loot.� Kim is worth a reported $35 mil.
As for Kris ... he's not only making $3.2 mil a year with the Nets, his family also owns a couple of burger joints in Minnesota. Kris' net worth is estimated at $8 million.
We?re told Kim?s late father, famed O.J. Simpson attorney Robert Kardashian, told her about the importance of contracts ? and Kim feels her dad would have wanted her to take financial precautions. �
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