If you’re living life without kids—by choice or circumstance—and want to make the most of your finances, The Childfree Guide to Life and Money is the essential personal finance resource you’ve been waiting for. Unlike most money management books that assume parenthood is part of everyone’s future, this guide is tailored specifically for Childfree and Permanently Childless individuals, including DINKs (dual-income, no kids) and SINKs (single-income, no kids). Written by Childfree Wealth Specialist® Dr. Jay Zigmont, it empowers you to design the life you truly want and build a financial plan that fits your unique goals and lifestyle.

From career choices and flexible living arrangements to investing, tax strategies, and retirement planning, this comprehensive book covers all the bases for creating a fulfilling, financially secure life on your own terms. Discover how to achieve Financial Independence, LIVE Early (FILE), and embrace the time, freedom, and opportunities your childfree path provides—all with actionable steps and expert guidance.

The Childfree Guide to Life and Money: Make Your Finances Simple So Your Life Without Kids Can Be Amazing (Personal Finance and Money Management Book for Childfree and Childless People)

Why This Book Stands Out?

• Tailored for the Childfree Life: Unlike most financial guides, this book is specifically crafted for people who are childfree or permanently childless, recognizing your unique goals, choices, and opportunities.
• Breaks the Standard LifeScript: Skip the one-size-fits-all advice. Learn how to design your own path—whether that means traveling, pursuing creative passions, or embracing unconventional living arrangements.
• FILE—Financial Independence, LIVE Early: Dr. Jay Zigmont introduces the groundbreaking FILE concept, empowering you to focus on living your best life now—not just saving for someday.
• Practical, Actionable Steps: Follow the eight No-Baby Steps, a clear roadmap tailored to your lifestyle, helping you confidently navigate everything from investing and taxes to retirement planning.
• Inclusive for All Relationships: Whether you’re a DINK, SINK, or dreaming of a Golden Girls-style home with friends, the advice adapts to fit your unique situation.
• Comprehensive Yet Simple: From budgeting and housing decisions to career planning and long-term security, every chapter is packed with straightforward, jargon-free guidance.
• Written by a Recognized Specialist: Dr. Jay Zigmont is a Childfree Wealth Specialist®, bringing expertise and empathy to every page—so you feel seen, supported, and inspired.

Personal Experience

Diving into The Childfree Guide to Life and Money felt like finally finding a resource that truly spoke my language. For so long, I’d bounce from one personal finance book to another, only to feel left out whenever advice circled back to raising children, saving for college, or planning for a “traditional” family. This book, however, immediately made me feel seen as someone who has chosen a childfree path and wants to design a life that reflects that choice.

As I read through Dr. Jay Zigmont’s guidance, I recognized pieces of my own journey—wondering whether to rent or buy, debating the merits of a spontaneous adventure versus a conventional home purchase, and even questioning if early retirement was really the dream I wanted to chase. There’s a powerful sense of relief in knowing that it’s okay to do things differently, and that my financial goals don’t have to mirror the standard script.

What resonated most deeply was how the book acknowledges the emotional and practical realities of living without kids, and gives permission to dream big, live early, and embrace freedom on my own terms. The “No-Baby Steps” felt like a roadmap tailored just for me, rather than a set of rules I had to adapt around.

• Relatable Scenarios: From deciding how to arrange living situations with friends, to exploring what legacy means when you don’t have children, the book addresses real questions I’ve often pondered alone.
• Freedom to Choose: The emphasis on creating a life that reflects personal values—whether that’s travel, creative pursuits, or building a unique household—reminded me that financial planning is about supporting my individual dreams.
• A Sense of Community: Reading stories and examples from other childfree and childless people made me feel less isolated in my choices, and inspired me to embrace the possibilities that come with this lifestyle.

If you’ve ever flipped through a money management book and thought, “But this isn’t really for me,” this guide could be the missing piece. It’s not just about money—it’s about crafting a life that’s authentically your own, without apology or compromise.

Who Should Read This Book?

Are you tired of personal finance books that assume everyone is saving up for a minivan or a college fund? If your life plans don’t include kids, The Childfree Guide to Life and Money was written just for you. Whether you’re living solo, sharing life with a partner, or dreaming up a “Golden Girls” future with friends, this book offers guidance tailored to your unique journey—no more one-size-fits-all advice!

Here’s who will get the most out of this book:

• Childfree individuals and couples—Anyone who has chosen a life without kids, whether you’re single (SINK), partnered (DINK), married, or anything in between.
• Permanently childless people—If life took you down a path where you won’t have children, this book acknowledges your experience and helps you plan for a future that’s truly yours.
• DINKs & SINKs—Dual Income, No Kids or Single Income, No Kids? Your financial roadmap looks very different from traditional families. This resource shows you how to make the most of your time, money, and freedom.
• Digital nomads and non-traditional planners—If you’re not following society’s “Standard LifeScript,” you’ll find practical advice for designing your ideal life, not someone else’s.
• Anyone curious about living the FILE life—If the idea of Financial Independence, LIVE Early (instead of just retiring early) excites you, this book flips conventional FIRE advice to suit your lifestyle.

Why is this book perfect for you? Because it’s the first comprehensive guide that speaks directly to your goals, opportunities, and challenges—from career choices, housing, and travel, to taxes, investing, and planning your later years. Dr. Jay Zigmont gets what it means to have more freedom, more flexibility, and more possibilities, and he’s here to help you make the most of it. If you want to design your life your way—and ensure your money is working for your dreams—this is the resource you’ve been waiting for!

The Childfree Guide to Life and Money: Make Your Finances Simple So Your Life Without Kids Can Be Amazing (Personal Finance and Money Management Book for Childfree and Childless People)

Key Takeaways

If you’re childfree or permanently childless, The Childfree Guide to Life and Money by Dr. Jay Zigmont is a game-changer. Here are the top reasons this book stands out and what you’ll gain from reading it:

• Tailored Financial Advice: Unlike traditional finance books, this guide is specifically written for DINKs (dual-income, no kids) and SINKs (single-income, no kids), acknowledging that life and money choices look different when you’re not following the “standard” path.
• Design Your Own Life: The book encourages you to define what a fulfilling life looks like for you—whether that’s focusing on your career, traveling, or creating a unique living arrangement—and then shows you how to align your finances accordingly.
• The No-Baby Steps: Dr. Zigmont introduces eight practical steps tailored for childfree living, giving you a clear roadmap to financial security and personal happiness.
• Go Beyond FIRE: Instead of simply aiming for Financial Independence, Retire Early (FIRE), you’ll learn how to achieve Financial Independence, LIVE Early (FILE), making the most of your freedom and resources now—not just someday.
• Comprehensive Coverage: From budgeting, investing, and tax planning to big decisions like buying a home or becoming a digital nomad, the book addresses all the unique financial questions faced by those without kids.
• Flexible for All Lifestyles: Whether you’re single, partnered, or planning to cohabitate with friends, the strategies in this guide adapt to your personal situation.
• Empowerment and Clarity: Readers walk away feeling empowered to make intentional life and money choices, free from societal expectations around marriage and parenthood.

In short, this book is a must-read for anyone who wants to break free from the standard script and build a life—and financial plan—that’s uniquely theirs.

Final Thoughts

If you’re seeking a fresh perspective on personal finance that truly speaks to your childfree lifestyle, The Childfree Guide to Life and Money is an invaluable resource. Dr. Jay Zigmont’s compassionate and practical approach empowers you to break free from the traditional “LifeScript” and build a fulfilling life on your own terms. This book goes far beyond basic budgeting—it’s your roadmap to designing a future filled with purpose, flexibility, and financial independence.

• Tailored Advice: Unlike most finance books, this guide is specifically crafted for DINKs, SINKs, and anyone forging a unique, childfree path.
• Holistic Life Planning: From career choices and housing to travel, investing, and retirement, every chapter helps you align your money with your dreams.
• Empowering Framework: Discover the eight “No-Baby Steps” to achieve Financial Independence, LIVE Early (FILE), and enjoy the freedom you deserve.

Whether you’re single, partnered, or envisioning a Golden Girls-style future, this book is your companion in building wealth and well-being without compromise. If you’re ready to simplify your finances and supercharge your life, don’t miss out on this essential guide.

Start your journey to financial confidence and a more amazing life today—get your copy of The Childfree Guide to Life and Money now!