Wealthy After 40: Retirement Planning and Budgeting for Gen X

Dalene Higgins: Retirement Strategist and Money Coach for GenXers
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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 Roadmap to Retirement Call at https://www.elevatefinances.us/coaching to build your personalized retirement plan in 30 minutes.

  1. 10h ago

    Mini Episode 3: I Don't Make Enough to Save

    Saving is only one piece of the puzzle and it's usually not the one with the most room to move. In this mini episode, Dalene shares what else you can control to boost your savings. 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? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

  2. 1d ago

    Mini Episode 2: I Don't Know Where to Start

    Why you feel overwhelmed and what to do instead. Overwhelmed isn't the same as stuck. In this mini episode, Dalene walks you through what you should do to start taking action. 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? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

  3. 2d ago

    Mini Episode 1: It's Too Late & I'm Behind

    You're not behind! You just don't have a plan yet.  In this episode, Dalene breaks down why "behind" is a feeling, not a fact, and what it actually takes to close the gap.  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? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

  4. 4d ago

    Where Can I Find Extra Money In My Budget For Retirement Savings

    [Ep 201] Budgeting for retirement can feel impossible when you’re already watching every dollar. You’ve cut back on eating out, you’re not shopping as much, and you still wonder, Where am I supposed to find extra money to save for retirement? If you keep waiting for “extra money” to save for retirement, you may be missing opportunities you have right now. In this episode, we’ll shift how you think about “extra” money and uncover where your savings potential may already exist without simply telling you to cut more from your life. If you’re a Gen Xer who wants to save more for retirement and you’re tired of waiting, book Your Retirement Strategy Session now. Episode Highlights 00:00 Stop Waiting to Save for Retirement at 40 03:52 How to Budget to Find Savings 04:46 A Real Client's Savings Wins 07:13 Find Savings Within Your Expenses 09:43 Shift Your Retirement Mindset For Potential Savings Read Full Show Notes HERE What topic or question would you love answered on the podcast? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

    Where Can I Find Extra Money In My Budget For Retirement Savings

  5. Aug 11

    5 Steps To A Simple Retirement Plan

    [Ep 200] If you've ever thought retirement planning was complicated or overwhelming, this episode is for you. In this episode, I'm sharing the five essential elements of the retirement planning process that will help you stop guessing and start making confident retirement decisions.  By the end of this episode, you'll learn how to use your numbers to create a simple plan, identify your biggest retirement gap, and know exactly where to take action first. Episode Highlights 00:00 Retirement Plan Overview 01:30 Start With Your Retirement Vision 03:16 Find Your Retirement Number 04:54 Budget As The System 06:14 Pick One Retirement Action 07:51 Build A Quarterly Rhythm 11:18 Episode 200 Giveaway Full Show Notes HERE What topic or question would you love answered on the podcast? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

    5 Steps To A Simple Retirement Plan

  6. Aug 4

    How to Overcome Retirement Decision Overload

    [Ep 199] When you ask, "How much do I need to retire?" you're asking the wrong question first. In this episode, I'm sharing why retirement isn't one big decision, it's hundreds of small decisions that shape your future. Instead of chasing one magic number, you'll learn why the better question to ask is, "What kind of retirement do I want?" From there, every financial decision becomes clearer. By the end of this episode, you'll understand how gathering the right information, not searching for one perfect answer, helps you make confident retirement decisions, create a realistic plan, and move closer to the retirement you actually want. In this episode you’ll learn: Why retirement feels so confusing even when you're consistently saving. (Ep 193 - Why Your Retirement Number Should Be Personalized dives deeper into this concept.)The biggest mistake people make when planning for retirement that may be keeping you stuck in overthinking and not taking action.How to identify the next financial decision that will move you closer to retirement.A simple way to start creating a retirement plan by focusing on your vision before your numbers. Episode Highlights 00:00 Retirement Is Many Decisions 03:44 Start With Retirement Clarity 04:16 Steps To Retirement Planning 06:56 Five Retirement Actions 10:00 The Only Big Retirement Decision 12:01 How To Take Action Link to full show notes HERE What topic or question would you love answered on the podcast? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

    How to Overcome Retirement Decision Overload

  7. Jul 28

    How to Travel Cheap in Retirement and Still Hit Bucket List Trips w/ Jillian Sidoti

    [Ep 198] Worried that travel in retirement will either drain your savings or shrink your adventure list to the same beach every year? You can see the world on a budget that fits a real retirement plan, and this episode shows Gen X women and couples exactly how it works. Jillian Sidoti, a former attorney and co-founder of Last Life Ever, walks through how to travel cheaply in retirement without giving up the trips that actually matter. She shares the credit card points strategy that has covered hotels in Dubai and Tanzania, the cheap destinations where your dollar goes the furthest (Vietnam, Bali, Egypt, Tanzania), why booking during off-peak weeks changes the whole experience, and how to find real adventure close to home when a transatlantic flight is off the table. If you're a GenXer who wants travel to be part of your retirement plan instead of a maybe-someday line item, this one is for you. Grab Jillian's trip details and connect with her in the show notes. 01:54 - From attorney to travel entrepreneur 07:15 - First steps when you dream of traveling more 12:02 - Credit card points made simple 16:35 - Adventure close to home 21:24 - Inside the Dominican Republic and Egypt trips 24:55 - Start small, make it extraordinary Connect with Jillian Ivey Sidoti Website  Instagram Tiktok Facebook Check out the show notes and other resources at https://www.elevatefinances.us/blog/how-to-travel-cheap-in-retirement What topic or question would you love answered on the podcast? Register at elevatefinances.us/webinar to start your journey to retire in 5 years. Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

    How to Travel Cheap in Retirement and Still Hit Bucket List Trips w/ Jillian Sidoti

  8. Jul 21

    Retire Confidently With a Money System That Works

    [Ep 197] If you have a budgeting app, a spreadsheet, or both, and you still can’t tell whether you’re making progress toward retirement, you are missing a money system. A tracker shows you what already happened. A money system for retirement guides your money from deposit to goal so you can plan for what is coming, not just record what is left. This episode covers the difference between a budget app and a money system, the three things your system should tell you every payday, and how clients saved $11,000 in 90 days or paid off $5,000 in debt while saving $2,500 in the same window. If you’re done tracking spending in circles and want their money organized around where they are going, this one is for you. Book your Roadmap to Retirement Call below to see what is missing from your setup. 02:41 - App Versus Money System 04:28 - Planning For The Unexpected 08:08 - Client Wins In 90 Days 11:00 - Three Things Your System Tells You 12:21 - Build Retirement On Purpose Check out the show notes and other resources at https://www.elevatefinances.us/blog/are-you-budgeting-for-retirement-or-just-tracking-your-spending What topic or question would you love answered on the podcast? Ready to retire? Book a Retirement Strategy Session https://www.elevatefinances.us/session Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Get a personalized retirement roadmap in 30 minutes. Book your Roadmap to Retirement call today! Join this month's webinar to gain clarity on your retirement path and know what to focus on next. Connect with me Facebook:  https://www.facebook.com/dalene.higgins/

    Retire Confidently With a Money System That Works
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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 Roadmap to Retirement Call at https://www.elevatefinances.us/coaching to build your personalized retirement plan in 30 minutes.

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