No Kids, No Mortgage, No Regrets: The Unfiltered Guide to Financial Freedom

The Lo Life

Podcast Nation

Health & Fitness, Society & Culture, Mental Health, Comedy

5 • 3.4K Ratings

🗓️ 30 May 2025

⏱️ 77 minutes

🔗️ Recording | iTunes | RSS

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Summary

What if the traditional blueprint for life—marriage, mortgage, and a couple of kids—just doesn’t fit you? In this week’s episode of The Lo Life, Lo sits down with Dr. Jay Zigmont, PhD, MBA, CFP®, a best-selling author and financial planner who built his entire career on one radical question: What does financial freedom look like when kids aren’t part of the plan?

Dr. Jay is the founder of Childfree Wealth® and a nationally recognized voice featured in Forbes, Fortune, and The Wall Street Journal. He and his wife made the conscious decision to live childfree—and in doing so, redefined what success, security, and legacy truly mean.

This conversation isn’t just for people without kids. It’s for anyone who wants to rethink their relationship with money, homeownership, retirement, estate planning, and even cryptocurrency—with clarity and confidence.

Lo and Dr. Jay break down:

Why so many are choosing to live childfree—and what the data actually says about the future of family and finance.

Whether you really need life insurance or a will if you don’t have kids.
How to prepare for retirement without relying on the “raise a family = built-in safety net” model.
How to approach investing—even if you’re starting late, scared, or unsure where to begin.
The best piece of financial advice Dr. Jay has ever received (and why it applies to literally everyone).

This episode will challenge your assumptions, offer real solutions, and might just change the way you think about your future. Whether you’re childfree by choice, by circumstance, or you’re simply tired of outdated money advice—this one’s for you.

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Transcript

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0:00.0	This podcast is brought to you by Podcast Nation.
0:14.9	Hello, bienvenito.
0:16.7	Welcome one and all to a brand spanking new episode, fresh out the kitchen.
0:22.7	We're cooking in la Cucina, a delicious fiesta platter, a tapas platter, if you will, ready for you to sink your teeth into of the low-life podcast.
0:31.8	I'm your flaming hot and spicy, seasonally depressed, white wine drinking, bone broth sipping, infrared sauna sweating,
0:40.8	mushroom microdosing, hot mess of a host.
0:44.7	Lourinsovan.
0:47.4	I'm so grateful to be here with you right now in this moment.
0:51.0	Oh, there's no place I'd rather be than right here in our cult. This is my safe space,
0:56.4	especially right now with everything going on in the world. I need a safe space where I can
0:59.9	decompress. I can unwind. I could recharge my life batteries. I can laugh. I know I'm going to
1:05.5	learn something. And I always leave this podcast feeling recharged. And so I'm so grateful to have you here. Thank you for tuning in the show. There are so many podcasts out there in the world. So the fact that you're choosing to be here at the low-life podcast and you're part of this cult, welcome if you're a new member. And if you're an OG low-lifer, you've been in this cult for years. I just want to tell you I appreciate you. I fucking love you.
1:29.0	And I am so thankful to have you in this community. We started with, what, 50 downloads back in
1:33.5	the day during the pandemic. I had no expectations for this show. I was hoping we'd get to 10,
1:38.9	maybe 20 episodes. And so the fact that we have grown this community, we have millions of downloads, hundreds of
1:45.8	thousands of subscribers, this little engine that could, or couldn't at times, is still trucking
1:51.0	along.
1:51.8	And it's all because of you.
1:52.7	So thank you for supporting this podcast, leaving reviews, giving the show five stars,
1:56.4	and subscribing to the show.
1:57.9	Your reviews, subscribing to this show, and given this podcast five stars, is a game changer. You've really helped to grow this community, and it's going to keep on growing, baby, because of you. I never want to waste your time here at the low-life podcast. If you're listening to this show, I want to make sure you're getting something from it. There are so many shows that I've listened to in the past, and after I'm done listening to that podcast, I'm like, I just wasted an hour of my life. I got nothing from that conversation. So I never want that to be the case here. I never want to waste your time. I always want to make sure you get something from this show. And that's why I'm very excited for today's guest, Dr. Jay. Before I jump into the Dr. Jay conversation, I want to know
2:36.1	what is your mental health score this week on a scale of 1 to 10. How are you feeling right now?
	...

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