Why Financial Planning Without Kids Is Different: What are the financial and lifestyle implications of being child-free? In this video, Bob Powell interviews Jay Zigmont, the author of "The Childfree Guide to Life and Money." Child-free folks as a whole don't want to pass on a whole lot of money to the next generation. They're closer to a "die with zero" approach. They don't retire the same way. They're more likely to cut back on work. Life insurance is not a big deal. Planning for long-term care is. Watch this video to learn about childfree wealth: why financial planning without kids is different.