Scottie and Larsa agree on one thing ... they both signed a prenup in 1997, which clearly benefits Scottie. Larsa says the prenup went out the window one year ago this month, when both she and Scottie agreed to nullify it.

There are other conflicts ... Scottie wants to move their 4 kids from Florida to Chicago. She wants them to stay put.

And Larsa wants spousal support, the family home, tuition for their kids' private schools and other stuff.

Larsa is so worried Scottie won't pay her after the divorce, she wants to use his life insurance policy as collateral in case he doesn't write the checks. If he doesn't, she wants to cash in the policy to get her money.