Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Dalene Higgins - Money Coach, Retirement Coach, CEO
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The Podcast That Helps Gen Xers Retire Up to 5 Years Sooner  Top 5% Personal Finance Podcast You’ve worked hard for decades, but now the big questions are creeping in: 👉 Will I have enough to retire? 👉  Is it too late to start retirement planning? Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings. I’m Dalene Higgins, a financial and retirement coach helping Gen Xers take control of their money through simple retirement systems that work now and later.  Together, we build a personalized money system that aligns with your values and lifestyle, so you can budget with confidence, save consistently, and create a clear path to retire on your own terms. Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm. If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you. Retirement isn’t out of reach. Let’s simplify your next steps with clear advice on how to retire, starting today. Book your free Clarity Confidence Call to finally get clear on your retirement numbers, goals, and next steps, and learn how Retirement Ready Coaching can support you in building a personalized money system that works now and later. 👉 Click here to book your free call now Or visit my website www.elevatefinances.us to learn more about financial coaching and find free resources to support your retirement planning journey.

  1. 21 HR AGO

    Ep 162 | Overwhelmed by Debt? Uncover What's Really Keeping You from Retirement

    Feel overwhelmed by debt and unable to plan for retirement? In this episode, I explore retirement and debt, and why they don't have to be mutually exclusive. The truth about paying off debt before retirement is that you don't have to eliminate everything first. But you do need help with identifying what's really causing your debt cycle. Discover how understanding what creates your debt changes everything.  What You'll Learn: ✅ Why you don't need all debt paid off before retirement and the better question to ask  ✅ How to decide whether retirement and debt can coexist  ✅ Why feeling overwhelmed by debt often stems from a preparedness problem ✅ How the cycle of debt reveals what's really blocking your path to retirement  ✅ Why getting help with retirement planning is non-negotiable at this age Mentioned Episodes: Episode 45 - How Understanding Financial Freedom Levels Can Accelerate Your Financial Journey Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    14 min

  2. 4 NOV

    Ep 161 | Anxious About Retirement? Your Timeline Holds the Answer

    Feeling anxious about retirement? Many people believe retirement isn’t even an option for them. But understanding your retirement timeline is the first step toward finding peace about your future. This episode will help you move from hopelessness to having a clear, achievable retirement timeline. What You'll Learn: ✅ How to identify when you want to retire versus when you can retire ✅ How understanding your retirement timeline reduces anxiety and creates motivation  ✅ How Social Security withdrawal periods factor into your personal retirement timeline ✅ The various age restrictions within retirement accounts  ✅ Why Social Security ages shouldn't determine your entire retirement timeline Related Episode: 83 - Navigating Social Security with Christopher Hensley Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    17 min

  3. 28 OCT

    Ep 160 | Worried About Retirement? Here’s How to Start Taking Action

    If you’re worried about retirement, this episode is your nudge to stop avoiding the fear and start exploring it. Because the longer you sit in uncertainty, the more complacent you become.  In this episode, I’m unpacking what it really means to “get serious” and why facing your retirement fears is the key to taking action. You’ll learn how to identify what’s triggering your worries, how to turn those thoughts into motivation, and the first steps to move from anxiety to clarity.  What you’ll learn: ✅ Why ignoring your retirement worries keeps you stuck ✅ What “getting serious” about retirement really means ✅ How to identify the thoughts fueling your retirement fears ✅ How to shift those fears into motivation for action Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    15 min

  4. 21 OCT

    Ep 159 | Why a Financial Advisor Can’t Fix What a Daily Money System Solves

    Before anyone can guide your investments, you need to understand your own money first. In this episode, Il talk about why you are the expert of your money and what you need in place before bringing in a financial advisor. You’ll learn how to build confidence around your cash flow, set realistic savings goals, and create the clarity that helps you make smart financial decisions. If you’re ready to feel in control of your money and confident in your next financial step, this episode is for you. What you’ll learn: ✅ Why a financial advisor can’t fix what a strong money system solves ✅ The three things to do before hiring a financial advisor ✅ Why understanding your money flow gives you more confidence in any financial decision ✅ How one couple went from financial stress to saving $11,000 in 90 days Related Episodes: Ep 63 - Why You Feel Broke and How to Manage Your Cash Flow Effectively Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    16 min

  5. 17 OCT

    Ep 158 | The Simple Formula to Become Retirement Ready

    You may be thinking, “I just need to save a certain amount of money to retire,” but the truth is, getting ready for retirement requires so much more than just hitting a number. In this episode, I’m walking you through my Retirement Confidence Formula, a simple, step-by-step framework designed to help you get clear, organized, and take action so you can truly become retirement ready.  In this episode, you’ll learn: ✅ Why retirement isn’t just about saving a number  ✅ How the Retirement Confidence Formula works ✅ Practical ways to create a simple, achievable plan for your most important goals ✅ Why revisiting the formula builds confidence and keeps you on track ✅ How to prioritize multiple money goals without sabotaging your plan Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    14 min

  6. 14 OCT

    Ep 157 | Why You Need an Emergency Fund You Can Count On

    Instead of stress and panic in most emergencies, your emergency fund can help you have a sense of peace. In this episode, I’m showing you how to build an emergency fund that doesn’t feel like a restriction or a sacrifice. Instead, it’s a tool that brings peace, freedom, and confidence so that you can handle life’s surprises without fear.  In this episode, you’ll learn: ✅ Why your emergency fund is a symbol of wealth, not limitation ✅ The hidden mindset shift that makes saving feel rewarding ✅ The real reason saving for emergencies gives you lasting peace ✅ How clarity and planning create confidence in any financial storm Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    16 min

  7. 10 OCT

    Ep 156 | What to Focus on in Retirement Planning Right Now

    When you think about retirement, does it ever feel like everything is an urgent must-do? Should you pay off debt, be saving more, or catch up on savings for retirement? No wonder it feels overwhelming! The truth is, trying to tackle everything at once keeps you stuck.  By the end of today’s conversation, you’ll know how to cut through the noise, choose the right priority for you, and start creating a retirement plan that feels doable instead of overwhelming. What You’ll Learn in This Episode: ✅ The #1 reason competing money priorities keep you stuck ✅ How to identify which financial priority matters most right now ✅ Why solving one thing at a time creates confidence and momentum ✅ Examples of how different priorities (debt, savings, retirement) shift the path forward ✅ The key question that helps you uncover your best next step toward retirement Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    13 min

  8. 7 OCT

    Ep 155 | How to Build a Retirement Plan That Lets You Thrive Today and Tomorrow

    When you think about retirement planning, do you feel pressured to give up the things you enjoy today so you can save for the future? That’s a false choice. You don’t have to live with restrictions to create security for tomorrow.  In this episode, I’ll show you how to bring balance to your money so you can enjoy life now while still building your retirement dreams. By the end of today’s conversation, you’ll know how to structure your spending and saving in a way that feels sustainable, purposeful, and aligned with what matters most to you. What You’ll Learn in This Episode: ✅ Why “all or nothing” thinking keeps you stuck with money and retirement planning ✅ How to create simple rules for balancing debt payoff, saving, and spending ✅ The truth about why over-saving or over-spending leads to burnout ✅ Three steps to implement the “now and later” philosophy with your money ✅ How to use systems (not willpower) to stay consistent Related Episodes: Ep 98 - Retirement 101: Creating a Fulfilling Next Chapter, Your Retirement Ep 120 - How Do I Start a Retirement Plan? Dream It First Ready to feel confident about your retirement? Start with the Retirement Ready Quiz to discover your next best step OR Apply for your Gift Coaching Session and experience what it’s like to get personalized guidance for your money and your future. Let's Connect! 💌 hello@elevatefinances.us 📞 voice message on SpeakPipe 💬 DM me on Instagram @elevate_finances

    15 min
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About

The Podcast That Helps Gen Xers Retire Up to 5 Years Sooner  Top 5% Personal Finance Podcast You’ve worked hard for decades, but now the big questions are creeping in: 👉 Will I have enough to retire? 👉  Is it too late to start retirement planning? Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings. I’m Dalene Higgins, a financial and retirement coach helping Gen Xers take control of their money through simple retirement systems that work now and later.  Together, we build a personalized money system that aligns with your values and lifestyle, so you can budget with confidence, save consistently, and create a clear path to retire on your own terms. Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm. If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you. Retirement isn’t out of reach. Let’s simplify your next steps with clear advice on how to retire, starting today. Book your free Clarity Confidence Call to finally get clear on your retirement numbers, goals, and next steps, and learn how Retirement Ready Coaching can support you in building a personalized money system that works now and later. 👉 Click here to book your free call now Or visit my website www.elevatefinances.us to learn more about financial coaching and find free resources to support your retirement planning journey.

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