Wealthy After 40: Retirement Planning and Budgeting for Gen X

Dalene Higgins: Retirement Strategist and Money Coach for GenXers
  • 4.7 (33)
  • Investing
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Wealthy After 40 is the retirement planning and budgeting podcast for Gen X women and couples who want to become retirement ready with a clear plan, confident money decisions, and a future they can't wait to live. Hosted by Dalene Higgins, Retirement Strategist and Money Coach, this show helps you simplify saving for retirement, budgeting for retirement, paying off debt, and creating a personalized retirement plan built around your numbers, not a generic calculator. We’ll answer questions like: How much do I need to retire? Am I on track for retirement? How do I catch up on retirement savings? Is it too late to save for retirement at 50? Should I pay off debt or save for retirement? How much should I have saved for retirement by 50? What is the 4% rule for retirement? How do I create a retirement plan? When can I retire? How much should I be saving for retirement? You'll also learn how to focus on the financial levers that have the biggest impact on retirement, balance enjoying life today while preparing for tomorrow, and replace financial overwhelm with clarity about where you stand. If you're ready to stop wondering whether retirement is possible and start making it happen, hit follow and join me every Tuesday. Book your Money Momentum Call at https://www.elevatefinances.us/call to figure out where your money is going and what to focus on next.

  1. 11h ago

    Retirement Panic? How to Catch Up on Savings in Your 40s

    [Ep 208] You’re panicked and fear that it’s too late to catch up on your retirement savings. Maybe you haven't saved as consistently as you'd hoped, and now you're worried about your retirement lifestyle and how much you’ll need to retire comfortably. Inside this episode, I share why it's not too late, how to shift the thinking that keeps you stuck, and how to find your next action step. Episode Highlights 01:41 Stop Chasing A Magical Fix 02:41 Define Your Gap 05:30 Three Areas For Retirement Progress  10:03 Choose Your Next Action Step Full Show Notes HERE Book a CALL to see if the Retirement Strategy Session is the best next step for you. What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    Retirement Panic? How to Catch Up on Savings in Your 40s

  2. Sep 29

    Am I Behind On Retirement Savings? How To Calculate Your Number

    [Ep 207] You’ve just realized retirement is coming quickly and now you’re wondering “Am I Behind On Retirement Savings?” You know you’ve been quietly doing, but truly wonder if it’s enough.  This episode will help you understand your true starting point and calculate exactly what you need. Episode Highlights 02:32 Find Your Starting Point 04:46 Rule of 25 Explained 08:20 Update Your Retirement Progress Book a call to see if the retirement strategy session is the best next step for you. Full Show Notes HERE What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    Am I Behind On Retirement Savings? How To Calculate Your Number

  3. Sep 22

    What Do I Want Now? Finding Yourself and Creating Change After 40

    [Ep 206] Finding yourself after 40 can feel difficult when you’ve spent years building a career, caring for others, meeting expectations, and doing what you thought you were “supposed” to do. If you’re entering a new season of life and wondering, “What do I want now?”, this episode is for you. In this conversation, I’m joined by Dani Muniz of Sacred CEO, and we explore what happens when the life you’ve built no longer feels fully aligned. You’ll discover why getting quiet, noticing the “clouds” that shape your thinking, and changing the meaning you give to change can help you see your next chapter more clearly. This episode is for women over 40 who are ready to stop living by everyone else’s expectations and start creating a next chapter that actually feels like theirs. Episode Highlights 03:30 Getting Quiet to Hear Yourself 05:52 Emotions as Information 11:50 Finding Clarity Through Opposites 16:41 Why Change Feels Hard Connect with Danie Muniz Website Instagram YouTube Podcast Be sure to grab her Daily Reset guide. Find the full show notes HERE What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    What Do I Want Now? Finding Yourself and Creating Change After 40

  4. Sep 15

    Fix Your Budget Tracking Now — Before Retirement Sneaks Up On You

    [Ep 205] You've made the decision to finally get serious about budgeting and tracking for retirement. You know tracking is something you should be doing, yet being consistent is where you fall short. Inside this episode, I share 3 reasons your tracking is inconsistent, and they're probably not what you think. And then I help you find a solution with 3 shifts that make tracking easier, without adding more time or stress to your day. If you're ready for a system that supports your goals instead of working against you, book a money clarity call and we'll talk about where your money is going and how you can track it better. Episode Highlights 00:00 Why Your Tracking Efforts Fais 03:00 Reason One - The Perfection Trap 07:16 Fix Two - Allow Broader Categories Full Show Notes HERE What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    Fix Your Budget Tracking Now — Before Retirement Sneaks Up On You

  5. Sep 8

    Why Knowing Your Numbers Fixes the Gen X Retirement Mindset

    [Ep 204] Gen X, when you think about retirement, the excitement fades fast once you remember everything you still need and want to do before then. Your retirement mindset immediately gets stuck in "I can't do it all," and that thinking is exactly what keeps you frozen instead of moving forward. Inside this episode, I share why that overwhelm shows up in the first place and how knowing your numbers can help you shift from feeling to facts.  If you're ready to stop guessing and start moving toward your goals, book a money clarity call where we'll dive into where your money is going and how a system can help you reach your goals. Episode Highlights 00:29 Break All Or Nothing Mindset 04:27 Evaluate And Know Your Numbers 09:59 Prioritize Your Goals For Action Full Show Notes HERE What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    Why Knowing Your Numbers Fixes the Gen X Retirement Mindset

  6. Sep 1

    Why Debt Could Be Keeping You From Being Retirement Ready

    [Ep 203] You’re paying off debt to get retirement ready. The extra you are able to pay each month is making a difference, but occasionally you still find yourself adding to the balance instead of paying it down. In this episode, I share how debt competes with your ability to save for retirement, three risks debt poses to your retirement, and how to break the cycle of relying on credit cards to cover expenses. If you're being responsible with your money but still find yourself adding to the credit card balance more often than you'd like, this episode is for you. Episode Highlights 00:00 Debt Cycle Stress 03:53 Three Retirement Ready Risks 08:41 Build A Cash Flow Management System 09:32 Break the Cycle of Credit Card Reliance Related Episode(s): Episode 182 Read full show notes HERE Book your free money clarity call to get a clear plan for tackling debt and getting retirement ready. What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    Why Debt Could Be Keeping You From Being Retirement Ready

  7. Aug 25

    How to Invest in Your Health to Protect Retirement Savings w/ Jenny Smith

    [Ep 202] Your retirement health might be the single biggest wildcard in your plan, and most pre-retirees are quietly terrified it'll drain everything they've worked for.  So what actually protects you here: more savings, better habits, or something you haven't thought of yet?  In this episode, I’m joined by Jenny Smith, and we break down how to protect your health, the habits to start now (before you need them), and why stress might be damaging your nest egg more than you realize. Episode Highlights [02:10] Protect Your Retirement Health  [05:00] Why Prevention Matters [10:20] High Impact Health Habits [20:10] Save Money With Meal Planning & Prep [27:00] Quick Stress Reduction Practices Connect with Guest Jenny Smith: Website Instagram Download her Protein Guide Full show notes can be found HERE What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

    How to Invest in Your Health to Protect Retirement Savings w/ Jenny Smith

  8. Aug 24

    Mini Episode 5: I'll Deal With It Later

    The quiet excuse underneath all the others. In this mini episode, Dalene shows what "later" actually means and what to do instead. Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement What topic or question would you love answered on the podcast? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Register for the Save More in 90 Days workshop and leave with a 90-day action plan. (Send me a DM on Instagram for an offer code to save $ before Oct 14th) Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Instagram https://www.instagram.com/elevate_finances/

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About

Wealthy After 40 is the retirement planning and budgeting podcast for Gen X women and couples who want to become retirement ready with a clear plan, confident money decisions, and a future they can't wait to live. Hosted by Dalene Higgins, Retirement Strategist and Money Coach, this show helps you simplify saving for retirement, budgeting for retirement, paying off debt, and creating a personalized retirement plan built around your numbers, not a generic calculator. We’ll answer questions like: How much do I need to retire? Am I on track for retirement? How do I catch up on retirement savings? Is it too late to save for retirement at 50? Should I pay off debt or save for retirement? How much should I have saved for retirement by 50? What is the 4% rule for retirement? How do I create a retirement plan? When can I retire? How much should I be saving for retirement? You'll also learn how to focus on the financial levers that have the biggest impact on retirement, balance enjoying life today while preparing for tomorrow, and replace financial overwhelm with clarity about where you stand. If you're ready to stop wondering whether retirement is possible and start making it happen, hit follow and join me every Tuesday. Book your Money Momentum Call at https://www.elevatefinances.us/call to figure out where your money is going and what to focus on next.

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