Worth Listening

In this episode of the Parenting & Finances series on the Worth Listening Podcast, Lauryn Williams and Chloe Moore open up an often-overlooked conversation about money and life without children. They explore what it really means to be childfree or childless, the importance of using thoughtful language, and why these distinctions matter—both personally and financially. Together, Lauryn and Chloe discuss how financial planning can look different when children aren't part of the picture, touching on lifestyle flexibility, long-term decision-making, and the unique considerations that often get missed in traditional money conversations. They also address some of the challenges that come with navigating systems and expectations that aren't always designed with childfree adults in mind. The episode expands the idea of family, legacy, and impact—highlighting how community, care, and purpose can show up in many forms. At its core, this conversation is a reminder that financial planning isn't about following a prescribed path, but about building a life that reflects your values and choices. Key Takeaways The difference between childfree, childless, and not-yet parents—and why it matters How being childfree can shape cash flow, housing, and lifestyle flexibility Why taxes, benefits, and laws often disadvantage single or childfree adults Retirement planning options when you're not planning to leave money to children Insurance considerations, including disability and long-term care Estate planning challenges when default templates assume spouses and descendants How community, caregiving, and legacy can look different—and still be deeply meaningful Links & Resources Mentioned MSU study finds number of US nonparents who never want children is growing - https://msutoday.msu.edu/news/2025/04/msu-study-finds-number-of-us-nonparents-who-never-want-children-is-growing  Childfree Academy - https://childfreewealth.com/childfree-academy/ The Childfree Wealth® Podcast - https://childfreewealth.com/podcasts/  Childfree Bingo - https://bingobaker.com/view/496736  Solo by Peter McGraw - https://petermcgraw.org/books/solo-the-best-single-living-book/  Die With Zero by Bill Perkins - https://www.diewithzerobook.com/welcome    Money Quotes "As a mentor and an advocate, I've seen no end to the ways that childless people can contribute to the lives and well-being of kids—and adults, for that matter." — Megan Daum "I would rather regret not having kids than have kids and regret that." — Allison Janney Ready to take control of your financial future?  Join Lauryn Williams at the Welcome to Wealth Retreat in Medellin, Colombia! Build a personalized financial plan while experiencing an incredible new culture. Click here to reserve your spot today!   About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here].   Follow Us on Social Media Follow Chloe on Instagram: @financialstaples Connect with Chloe on LinkedIn: linkedin.com/in/chloemoore Follow Lauryn on Instagram: @worthwinning Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams Follow the Worth Listening Podcast: Apple Podcasts | Spotify