Long-term care is one of the most complicated and overlooked parts of financial planning, especially when you're Childfree. Without kids to step in, who actually takes care of you when you can’t? In this episode, Dr. Jay sits down with Scott Barnes, CFP® and CLTC®, to explore what care really costs, what insurance does (and doesn’t) cover, and how to start building a plan you can trust.

We'll cover:

[1:21] Talking to your partner or planner about future care

[2:41] Why Medicare won’t help and Medicaid only steps in once you’re broke

[5:07] How much to set aside if you plan to self-fund

[6:28] When it makes sense to consider long-term care insurance

[12:08] Who qualifies for coverage and when to apply

[14:47] What insurers look for and how to avoid being denied

[17:59] Why Medicaid beds are hard to find in nicer facilities

[20:14] What to consider if you never end up using your coverage

[22:34] The consequences of waiting too long to plan

[25:05] What to do if you don’t qualify for insurance

[26:48] The difference between standalone and combo long-term care products

[27:38] What to watch out for when speaking to insurance brokers

This episode also includes a sneak peek at Childfree Trust®, a new service launching soon to serve as your power of attorney, executor, or trustee if you don’t have anyone to fill those roles. If you’ve ever wondered how to make long-term care decisions when you're solo, this one’s for you.

Mentioned in this Episode:

* Childfree Trust waitlist: https://childfreetrust.com/

* Schedule your Childfree Wealth® Checkup: https://Childfreewealth.com/schedule-a-checkup/

* Read more about long-term care: https://childfreewealth.com/resources/long-term-care-childfree/

* Get a quote for long-term care insurance through LLiS: https://allis.llis.com/quoterequest

* Dr. Jay’s Book "Portraits of Childfree Wealth": https://a.co/d/e4vLB2v

The Childfree Wealth Podcast, hosted by Bri Conn, CFP®, and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of Childfree individuals and couples.

Like the show? Leave us a rating & review!

If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com!

Join our newsletter HERE.
Schedule a meeting with a Childfree Wealth Specialist® HERE.

Instagram: @childfreewealth

Facebook: @childfreewealth

LinkedIn: @childfree-wealth

YouTube: @ChildfreeWealthPodcast

Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

In this episode, Dr. Jay sits down with Pete Krull, a pioneer in sustainable investing, to unpack what it really means to align your money with your values. They explore how ESG has become politicized, what the media gets wrong about ethical investing, and why ‘green hushing’ might be the most honest thing happening in finance right now.

Whether you’re new to ESG or skeptical of it, this episode offers a grounded, practical look at how your portfolio can reflect the future you want to see—without losing sight of performance.

Chapters

00:00 Investing with Values: An Introduction
01:11 The Political Landscape of Sustainable Investing
03:05 Understanding ESG: Definitions and Misconceptions
06:50 The Shift to Sustainable, Resilient, and Innovative Investing
10:20 Balancing Growth and Sustainability
12:43 The Complexity of Ethical Investing
15:50 Navigating Investment Choices and Trade-offs
19:53 The Long-term Perspective on Sustainable Investing
22:58 The Process of Building a Sustainable Portfolio
27:29 Green Hushing: The Quiet Shift in ESG Practices
29:39 Conclusion and Resources for Sustainable Investing

Mentioned in this Episode:
- Pete Krull from Earth Equity Advisors: wwww.earthequityadvisors.com
- Sustainable Investing by Pete Krull: https://www.sustainableinvestorbook.com
- Earth Equity Advisors Facebook Page: https://www.facebook.com/EarthEquityAdvisors
- Connect with Pete on LinkedIn: https://www.linkedin.com/in/pkrull/
- Pete's Podcast, My Dollars & Change: https://www.earthequityadvisors.com/dollars-change/

The Childfree Wealth Podcast, hosted by Bri Conn, CFP®, and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of Childfree individuals and couples.

Like the show? Leave us a rating & review!

If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com!

Join our newsletter HERE.
Schedule a meeting with a Childfree Wealth Specialist® HERE.

Instagram: @childfreewealth

Facebook: @childfreewealth

LinkedIn: @childfree-wealth

YouTube: @ChildfreeWealthPodcast

Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

What does it really take to leave everything behind and start a new life abroad?

In this episode, Dr. Jay reconnects with Andy and Libbi to talk about their move from Hawaii to the French countryside—and how financial independence made it possible. From navigating long-stay visas and currency conversions to learning a new pace of life, they share the unfiltered reality of becoming expats.

They open up about the emotional side of change, the cultural differences they didn’t expect, and how working remotely has given them a new kind of freedom. Whether you’ve dreamed of retiring abroad, taking a sabbatical, or simply want a lifestyle shift, this episode is packed with honest insight.

And yes—it’s all about the food!

We'll cover:
- 00:00 Embracing a New Lifestyle in France
- 05:43 Navigating Financial Independence Abroad
- 12:50 Cultural Insights and Adjustments
- 17:38 The Challenges of Expat Life
- 23:44 Finding Purpose and Fulfillment
- 29:00 Advice for Aspiring Expats

Mentioned in this Episode:
- Andy / Libbi Episode 1: https://youtu.be/-_Y5wDwWQH8
- Andy / Libbi Episode 2: https://youtu.be/lj74jGYhFHM
- Childfree Wealth® Checkup: https://childfreewealth.com/schedule-a-checkup/
- Work with our team 1:1 like Andy and Libbi: https://childfreewealth.com/core-offering/

Connect with Andy and Libbi on TikTok: https://www.tiktok.com/@theroamingroeds

The Childfree Wealth Podcast, hosted by Bri Conn, CFP®, and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of Childfree individuals and couples.

Like the show? Leave us a rating & review!

If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com!

Join our newsletter HERE.
Schedule a meeting with a Childfree Wealth Specialist® HERE.

Instagram: @childfreewealth

Facebook: @childfreewealth

LinkedIn: @childfree-wealth

YouTube: @ChildfreeWealthPodcast

Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.