Childfree Wealth®

• Retire Often? How Mini-Retirements Can Supercharge Your Life & Career with Jillian Johnsrud, Ep 163

  Ever feel like the traditional "work for 40 years, then retire" plan just isn't cutting it anymore? You're not alone! This week we're flipping the script with Jillian Johnsrud, author of Retire Often. We dive deep into the concept of "mini-retirements" – intentional breaks from your primary profession that are a month or longer and focused on something meaningful to you.Jillian shares how these strategic breaks aren't just about vacations; they can actually boost your financial independence and career trajectory in surprising ways! We tackle everything from negotiating time off with your current employer (even if you think you're "too important"!) to navigating those well-meaning but often unhelpful opinions from friends and family. Get ready to challenge your assumptions about work, rest, and living your best life, now!Timestamps:0:48 Why Jillian wrote Retire Often and the life-changing potential of mini-retirements1:42 Challenging the old life script: Why the 25-year grind to retirement might be outdated2:07 The evolving economy and why frequent career breaks are becoming the new norm3:00 What exactly is a mini-retirement? Defining the key elements5:49 Unpacking the financial benefits: How taking time off can actually make you richer 8:57 The power of pausing: Gaining clarity and new opportunities by stepping off the treadmill11:25 Keeping your job and taking a break: Negotiating a mini-retirement with your current employer17:00 Tackling societal pressures and internal narratives around work and rest25:07 Budgeting for your break: You don't need millions to take a mini-retirementConnect with JillianWebsiteRetire Often BookBook Purchasing LinkFree Opt-In Worksheets:PlanningNegotiatingWorkbookGroup CoachingSocial Media:InstagramTwitterLinkedInYoutube 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 [email protected], 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.

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• Navigating Your "Second Half of Life": FIRE vs. FILE and Accessing Your Money Early, Ep 162

  Are you tired of the traditional work-and-retire-at-65 plan? This episode is for you. We're diving into the concepts of FIRE (Financial Independence, Retire Early) and FILE (Financial Independence, Live Early), and exploring how you can break free from the traditional script. Dr. Jay and Bri challenge the idea that retirement is an "on/off switch" and introduce the "dimmer switch" approach of FILE, which allows you to design a life you love now, rather than waiting for a distant retirement.Timestamps🔹 0:48 - When can I retire vs. do you want to retire?🔹 2:28 - Are you a FIRE or FILE person?🔹 3:33 - Dr. Jay's "mental chew toy"🔹 5:39 - The importance of planning for what you’ll do with your time🔹 6:40 - The "Purpose Code" and living with lowercase "p" purpose🔹 11:53 - The difficulty of giving up a specific career path🔹 14:49 - Overcoming self-limiting beliefs🔹 15:49 - Why age is the least important factor in retirement🔹 18:24 - The debate: Are you ready to make a change?🔹 19:13 - What brings you joy?🔹 25:23 - Accessing your retirement money before 59½🔹 28:37 - The rule of 55🔹 32:17 - The rule of 72t, or SEPP🔹 34:05 - Accessing Roth IRA contributions penalty-free🔹 35:48 - Inherited IRAs🔹 37:53 - 401k loans: The good, the bad, and the ugly🔹 45:36 - Health insurance options for early retireesMentioned in this episode:🔹 Andy & Libbi Financial Planning Sessions1️⃣ https://www.buzzsprout.com/2002436/episodes/16367564 2️⃣ https://www.buzzsprout.com/2002436/episodes/16367713 3️⃣ https://www.buzzsprout.com/2002436/episodes/16368047 4️⃣ https://www.buzzsprout.com/2002436/episodes/16962286 5️⃣ https://www.buzzsprout.com/2002436/episodes/17411168 🔹 Finding Purpose Beyond Financial Independence with Doc G, Ep 120 https://www.buzzsprout.com/2002436/episodes/16367437 🔹 The Purpose Code by Jordan Grummet, MD https://jordangrumet.com/books/ 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 [email protected], 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.

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• End-of-Year Checklist 2025: Tax Moves, RMDs & Childfree Strategies That Matter, Ep. 161

  As the year comes to a close, it’s time to pause, review, and make sure your finances are in shape for what’s next. In this episode, Dr. Jay and Childfree Wealth Specialist® Scott Barnes walk through their 2025 Year-End Financial Checklist - covering everything from tax strategies and RMDs to Medicare IRMA surcharges, spending analysis, and estate planning for Childfree individuals.They discuss what’s changed this year, what you need to know before the calendar resets, and how to make smart financial decisions that align with your goals and values.From avoiding penalties to ensuring your estate plan reflects your wishes (including care for your pets), this conversation is packed with practical insights to help you end the year confident and prepared.Tune in for clear guidance, actionable steps, and a reminder that financial planning isn’t just about saving money—it’s about designing a life that truly fits you.We’ll cover:00:00 — End-of-Year Financial Planning Overview04:12 — Tax Strategies That Still Work (and What’s New)09:45 — RMDs, IRMA Surcharges & Medicare Must-Knows15:30 — Spending Analysis: Does Your Money Reflect Your Values?22:18 — Estate Planning for the Childfree: Protecting Your LegacyMentioned in this episode:- Get the Childfree Wealth®'s 2025 Childfree Tax Guide: https://childfreewealth.com/2025-childfree-tax-guide/- Childfree Trust® Website: https://childfreetrust.com/- Childfree Wealth® Checkup: https://childfreewealth.com/schedule-a-checkup/ 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 [email protected], 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.

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• Expat and Digital Nomad Stories: Tales of Life Abroad with Maggie & Sibu, Ep 160

  Ever fantasized about moving abroad or traveling the world while working? This episode is your permission slip to start! Join us as we talk with two incredible women living their best expat and digital nomad lives.First, we chat with Maggie Dickens, founder of Unapologetically Childfree, who shares her inspiring journey as a therapist and business owner in Lisbon, Portugal. She gives us the real scoop on what it's like to transition to a new country and why living authentically is the key to a fulfilling life.Then, we dive into the fascinating world of full-time digital nomad Sibu Szymanowska, who has perfected the art of house-sitting to see the world. As the founder of The Hybrid Tours, she shares her best tips on traveling the globe on a budget and how to find a community no matter where you are. Get ready to have your wanderlust sparked and learn that a life of travel doesn't have to break the bank.Key Points:🔹Introduction to the episode and Maggie🔹Maggie's decision to move to Portugal🔹The logistics of being a business owner while abroad🔹Maggie's advice for those considering a move🔹Sibu's introduction and her life as a full-time digital nomad🔹The magic of house-sitting🔹The story behind The Hybrid Tours🔹Why traveling won't ruin your careerConnect with Maggie Dickens:- Cathartic Counseling | Unapologetically Childfree™️- [email protected] Instagram - Facebook - TikTok- Find Group Coaching here or here.- Book a FREE Consult here.Connect with Sibu Szymanowska:- The Hybrid Tours - Go Global with Sibu - [email protected] Instagram - LinkedIn- Find Free Accommodation through Trusted Housesitters here. 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 [email protected], 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.

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• Ditching the "Standard Life Script" and Building Their Childfree Dream, Ep 159

  Join us for a transparent and insightful Childfree Wealth® Checkup with Casey and Garrett, a couple who are preparing to trade in the corporate grind for time abroad. We dive deep into the unique financial fears and planning complexities of a childfree couple in their late 20s and early 30s with a solid net worth.🔹0:15 What Casey and Garrett want to make sure they talk about in their financial checkup🔹2:30 Why chasing a child-free financial plan means ditching your parents' and the "standard life script" advice🔹8:45 Garrett's tax questions, specifically around Roth IRAs and future income clarity🔹12:10 Casey's goal to live abroad in the next 10–15 years, seeking universal healthcare and residency status, and the emotional struggle between taking the leap and feeling secure 🔹18:55 The reality of remote work and digital nomad visas: why their current jobs won't allow it, and the potential to keep their US residency while wandering the world🔹24:00 The "social pressures" roadblock: trying to time their big move around family milestones and friends' weddings (the "wedding-baby shower era")🔹31:30 Breaking down their current spending ($150k in 2024, inflated by a wedding) and the realization that their money isn't always aligning with their values—especially the $30k of "stuff"🔹38:15 Challenging the FIRE community's "scrimping" mindset and the fear of "mindlessly saving" when they already have a $450,000 net worth🔹45:00 The goal: having a remote job by 2027, spending $50,000 for the entire move, and being living their best life in another country by 2028🔹51:45 Actionable steps now: maxing out their Roth 401(k)s before worrying about the complexity of Roth IRAsMentioned in this episode:🔹Andy & Libbi planning series - watch the full series here! 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 [email protected], 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.

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