He's 84 and worth $43 million ... she's 24 and knows he's worth $43 million -- yet sources close to Hugh Hefner and Crystal Harris tell TMZ neither has uttered those dreaded words ... "prenuptial agreement."

Hef's third wedding is just 10 weeks away, but we're told he hasn't raised a prenup convo because he "actually cares" about Crystal and doesn't want to ask her to sign one.
We're told Crystal doesn't think Hef will bring it up before they tie the knot.
What could go wrong?
Hef's third wedding is just 10 weeks away, but we're told he hasn't raised a prenup convo because he "actually cares" about Crystal and doesn't want to ask her to sign one.
We're told Crystal doesn't think Hef will bring it up before they tie the knot.
What could go wrong?
Hugh Hefner's fiancée Crystal Harris shows off her shiny engagement ring
By DAILY MAIL REPORTER
Last updated at 8:34 PM on 30th December 2010
Last updated at 8:34 PM on 30th December 2010
He's 60 years her senior, but Hugh Hefner knew just the way into Crystal Harris's heart.
The Playboy mogul presented the 24-year-old with a huge diamond ring on Christmas day, which she has taken to Twitter to proudly show off.
She wrote: 'For those of you who have been asking to see my ring here it is... My engagement ring from my love @hughhefner.'
Thrilled: Crystal Harris tweeted a modelling shot of herself along with one of her brand new diamond engagement ring
The blonde also tweeted a picture showing just how she charmed Hefner, her blonde hair thrown back as she struck a sultry pose.
Crystal was born to British parents in Arizona, who moved back to the UK after her birth, but then came back to the States a couple of years later and settled in San Diego, California.
Crystal tweeted: 'My engagement ring from my love'
So in love: Hugh and Crystal at a party earlier this year
Read more: http://www.dailymail.co.uk/tvshowbiz/article-1342859/Hugh-Hefners-new-fianc-e-Crystal-Harris-shows-shiny-engagement-ring.html#ixzz1Ia9eKnDR
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