If J.Lo is smart, she’ll make sure to file for divorce in the Big Apple — or else she could lose millions! A source tells us there might not be a prenup — uh oh!

Jennifer Lopez better protect her purse strings. The 41-year-old actress announced her split from her husband of seven years Marc Anthony on July 15 — this will be her third divorce in 14 years. HollywoodLife.com spoke to top New York divorce attorney Vikki Ziegler who says if J.Lo and Marc file in New York it’s better for both of them financially.

“If they file in New York it would make sense because you normally file where your primary residence is — and there’s is in Long Island,” Vikki says. “The state of New York is a no-fault state which means one does not have to allege cruelty or adultery. J.Lo can simply state ‘irretrievable breakdown.’”

If J.Lo and Marc did not have a prenup, which there’s buzz they did not, New York is an even more ideal state than California for them to divorce because it’s an “equitable distribution” state.

“This means that most everything will end up being separate property, what’s hers is hers and what’s his is is,” Vikki explains. “Everything will be looked at individually. All of Jennifer and Marc’s assets like cars, homes, bank accounts, retirement accounts, art work jewelry. It will have to be based on factors such as who contributed the money for these things, what was their agreement? Were they gifts?”

If you’re still wondering why California wouldn’t be the ideal state, here’s more reasons why:

“California divides assets and income 5o-5o,” Vikki says. “Regardless of who earned or purchased their assets during the marriage.”

Since their home in Brookville, Long Island is in Marc’s name, Vikki says this could pose a problem for J.Lo.

“You generally want to keep things in both names,” she says. “Any real estate is divided equally. Jennifer earned quite a bit of money during her marriage to Marc and not having a prenup will definitely hurt her.”

— Chloe Melas