Wealthy After 40: Personal Finance, Budgeting, Saving, Debt, Financial Foundations

Dalene Higgins - Money Coach & Retirement Strategist

Top 5% Personal Finance Podcast You’ve done “the responsible things.” You earn decent money. You’ve saved some. And yet you still feel like there’s never enough left to create the life you actually want. I’m here to tell you, you’re not reckless with money, you’re just missing a clear system that tells you: → Where your money is really going → How to save without feeling restricted → And how today’s decisions connect to your bigger financial dreams Welcome to the podcast! For women and couples over 40 who are ready to stop guessing with money and start building a financial foundation that supports the life they want now and in the future. I’m Dalene Higgins, money coach and retirement strategist, helping you go from feeling behind and uncertain to confident, intentional, and in control with systems that support who you are and honor the time you have.   On this podcast, we talk about: ✨ Building strong financial foundations without deprivation ✨ Creating clarity around spending, saving, and ALL priorities ✨ Funding your goals and dreams now while still preparing for retirement ✨ Simple systems that bring consistency, confidence, and peace of mind ✨ Letting go of shame, confusion, and “I should be doing better” thinking This isn’t about extreme budgeting or doing more. It’s about knowing what matters most and how to make it happen.  If you’re ready to stop feeling like you’re behind, start trusting your financial decisions, and create a future that feels possible again, you’re in the right place. 🎧 New episodes drop weekly. 👉 Ready for personalized clarity? Book your free Financial Clarity Call and learn how Financial Foundations Coaching can help you turn uncertainty into financial confidence. 

  1. Turn Reflection into Action for a Retirement Ready Year

    12/30/2025

    Turn Reflection into Action for a Retirement Ready Year

    [Ep 169]  As the new year begins, it’s the perfect time to reflect on your progress and set yourself up for success.  In this episode, we’ll help you take a closer look at your retirement journey, what’s fueling your momentum, what’s holding you back, and where you can make meaningful adjustments. You’ll learn how to review your financial wins from the past year, identify the small leaks that may be slowing your progress, and clarify your vision for retirement. We’ll walk through practical, actionable steps to help you create a retirement ready plan, aligned with your values and financial priorities. Whether it’s adjusting your contributions, refining your budget system, or gaining retirement clarity, this episode is designed to help you take control of your money and move forward with confidence. What You’ll Learn in This Episode ✅ How to reflect on your past year and acknowledge your financial wins ✅ Simple ways to identify “leaks” that drain your retirement momentum ✅ How to define a clear vision for your retirement and what matters most ✅ How awareness and small changes can fuel a retirement-ready plan ✅ Quick actions to increase contributions and gain retirement clarity 💜 Book your free Financial Clarity Call 📩 Download the free Financial Clarity Check Up 💰 Join the next Map Your Money workshop ✨ Connect with me on Instagram 👩‍💻 Visit the website to learn more!

    16 min
  2. How to Fix Your Budget Problem (It’s Not Discipline)

    12/23/2025

    How to Fix Your Budget Problem (It’s Not Discipline)

    [Ep 168]  If you’ve ever thought, “I just need more discipline with my budget,” this episode is for you. Many smart, motivated women already have a budget or money plan that works until it doesn’t. A birthday, a trip, an emotional splurge and suddenly it feels like you’ve failed. But the truth is, your budget problem can’t be solved with more discipline. In this episode, I explore why discipline is often the wrong tool for achieving consistent financial progress and how relying on it can actually lead to feelings of shame, self-doubt, and stalled retirement goals. Instead, you’ll learn why a clear money plan, rooted in your values, financial priorities, and a supportive budget system, is what truly creates confidence and follow-through. What You’ll Learn in This Episode: ✅ Why discipline won’t fix inconsistent spending or budget frustration ✅ The real definition of discipline and why it doesn’t belong in your money plan ✅ How values budgeting creates clarity and reduces second-guessing ✅ The difference between financial values and financial priorities (and why you need both) ✅ Why awareness is the most underrated skill in money management ✅ How clarity today accelerates retirement confidence and freedom 💜 Book your free Financial Clarity Call 📩 Download the free Financial Clarity Check Up 💰 Join the next Map Your Money workshop ✨ Connect with me on Instagram 👩‍💻 Visit the website to learn more!

    15 min
4.7
out of 5
31 Ratings

About

Top 5% Personal Finance Podcast You’ve done “the responsible things.” You earn decent money. You’ve saved some. And yet you still feel like there’s never enough left to create the life you actually want. I’m here to tell you, you’re not reckless with money, you’re just missing a clear system that tells you: → Where your money is really going → How to save without feeling restricted → And how today’s decisions connect to your bigger financial dreams Welcome to the podcast! For women and couples over 40 who are ready to stop guessing with money and start building a financial foundation that supports the life they want now and in the future. I’m Dalene Higgins, money coach and retirement strategist, helping you go from feeling behind and uncertain to confident, intentional, and in control with systems that support who you are and honor the time you have.   On this podcast, we talk about: ✨ Building strong financial foundations without deprivation ✨ Creating clarity around spending, saving, and ALL priorities ✨ Funding your goals and dreams now while still preparing for retirement ✨ Simple systems that bring consistency, confidence, and peace of mind ✨ Letting go of shame, confusion, and “I should be doing better” thinking This isn’t about extreme budgeting or doing more. It’s about knowing what matters most and how to make it happen.  If you’re ready to stop feeling like you’re behind, start trusting your financial decisions, and create a future that feels possible again, you’re in the right place. 🎧 New episodes drop weekly. 👉 Ready for personalized clarity? Book your free Financial Clarity Call and learn how Financial Foundations Coaching can help you turn uncertainty into financial confidence. 

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