This week, I enjoyed a great interview with Dr. Jay Zigmont with Childfree Wealth. Their website is I learned that 25% of U.S. adults don't have kids.  That's a huge part of our population that is underserved in the retirement planning community.  Many planners consider that with our without kids, your plans should be similar,  and that's simply not accurate. When we dont have kids, we know we need to have a plan for long term care needs.  Many parents presume their kids will take care of them, or they'll at least make sure they're taken care of.  Childfree folks know that this is not an option.   If married and childfree, it's important to make sure that an extended care need like dementia or a stroke for one won't bankrupt the other. If married or not, we all have an idea of what we really care about in regards to long term care needs.  We need to dig in and ask how are we going to make sure that this happens?   That I live in the place I want to live if I can't live alone That I get those little things that make me happy (for me it's cheesecake - I don't eat it now, but if I make it to 90, I want that to be my breakfast every day). That I have enough money to take care of myself gracefully - and don't end up with less than than Zero and on Medicaid Jay's childfree clients know that they need a plan, and they create that plan - usually in their 40s, when it's most affordable and can be paid up long before retirement. Jay takes well known planning concepts and turns them into childfree planning strategies. Feel free to reach out to him at Contact me if you are childfree or not.  We can design your LTC plan together -