Wealthy After 40: Retirement Savings, Midlife Money Planning, Money Strategies

Dalene Higgins - Money Coach & Retirement Strategist
  • 4.7 (32)
  • Self-Improvement
  • Updated Weekly

Top 3% Globally Ranked Personal Finance Podcast 🎧 New episodes drop weekly Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to accelerate their retirement progress, focus on the levers that move them forward, and become retirement ready with confidence. Hosted by Dalene Higgins, Money Coach and Retirement Strategist, this show gives you the support you need to get your money organized, intentional, and working toward the life you actually want without overwhelm. 🎙️ Tune in each week for honest conversations, practical strategies, and simple systems to help you: • Accelerate your retirement progress with the right money moves • Focus on the financial levers that move you forward instead of trying to do everything at once • Build consistency with saving while still enjoying life today • Navigate the tension between paying off debt and planning for retirement • Create a clear vision for your future and a plan to support it If you’re done worrying and ready to take action, hit subscribe and share with friends! Your path to getting retirement ready starts here. Let’s Connect! Instagram: https://www.instagram.com/elevate_finances/ Facebook Group: https://www.facebook.com/groups/genxersretiregroup Website https://www.elevatefinances.us

  1. Think You’re Behind On Retirement? You’re Not Starting From Zero

    5d ago

    Think You’re Behind On Retirement? You’re Not Starting From Zero

    What is your biggest challenge/problem with money? [Ep 192] In this episode you’ll learn: • Why so many Gen Xers believe they’re behind on retirement and why that isn’t necessarily true • The biggest mistake people make when trying to plan for their retirement • How to create a simple retirement plan based on your actual progress • A simple way to develop a healthier retirement mindset so you can stop guessing and start moving forward with confidence Episode Highlights 00:00 Retirement Mindset Reset 01:12 Start With a Plan 03:18 Assess Your Progress 04:35 Fear vs Knowledge  07:59 Debt and Retirement Strategy 11:01 Ditch the Have Tos 11:55 Clarify Your Real Goal Register for the Retirement Ready Workshop coming up June 27th Read the full show notes HERE Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    16 min
  2. Why Retirement Feels So Uncertain (Even When You’re Saving)

    Jun 9

    Why Retirement Feels So Uncertain (Even When You’re Saving)

    What is your biggest challenge/problem with money? [Ep 191] If you’ve ever wondered whether all the saving and planning you’re doing is going to be enough, this episode is for you. In this episode, I’ll be sharing how to measure your retirement progress and how to make progress to retirement. By the end of this episode, you’ll understand the three retirement levers that influence your readiness so you can identify your next best step and move forward with confidence. In this episode you’ll learn: ✅ Why so many people feel behind on retirement, regardless of how much they’ve saved ✅ The biggest mistake people make when using retirement calculators and online tools ✅ How to use the three retirement levers to close your retirement gap ✅ A simple way to start taking control of your retirement timeline Episode Highlights 00:00 Will I Have Enough 01:56 Why Saving Alone Fails 04:45 Tripod Retirement Levers 05:16 Lever One Savings 06:40 Lever Two Debt 09:10 Lever Three Expenses 10:55 Lifestyle And Spending Mindset 13:51 Review And Weekly Actions 17:14 Final Takeaways Full Show Notes HERE Join the Retirement Ready Workshop. Use code JUNE to save $10 before June 14th. Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    19 min
  3. How To Calculate What You Need For Retirement

    Jun 2

    How To Calculate What You Need For Retirement

    What is your biggest challenge/problem with money? [Ep 190] If you’ve ever wondered “Am I on track for retirement?” or “How much money do I actually need to retire?”, this episode is for you. In this episode, I’m talking about how to determine whether you’re on track for retirement and why relying on generic retirement numbers and calculators may be keeping you from making the progress and decisions you need to feel confident about your future. By the end of this episode, you’ll understand the three simple numbers you need to calculate your personal retirement target—your timeline, your annual spending, and your retirement number so you can stop guessing, gain clarity, and create a realistic retirement plan based on your actual lifestyle. In this episode you’ll learn: ✅ Why retirement feels overwhelming and difficult to plan for ✅ The biggest mistake people make when estimating their retirement savings needs ✅ How to determine whether you’re on track for retirement using three simple numbers ✅ A simple way to start building a realistic retirement target based on your actual lifestyle and spending Episode Highlights 00:00 Retirement Enough Question 01:09 Three Things To Check 01:22 Pick Your Timeline 03:57 Know Your Living Costs 07:14 Rule Of 25 Formula 09:05 Adjusting Your Target 10:10 Workshop And Next Steps Full Show Notes HERE Schedule your 90-Minute Retirement Strategy Session. We’ll determine your retirement number, assess whether you’re on track, identify opportunities to close the gap, and create an action plan tailored to your goals and timeline. Join the Retirement Ready Workshop for a live session to help you calculate your retirement number, identify any financial gaps, and create a plan to move forward.    Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    16 min
  4. How to Stretch Your Groceries w/Andy Ellwood

    May 26

    How to Stretch Your Groceries w/Andy Ellwood

    What is your biggest challenge/problem with money? [Ep 189] If you’ve thought, how am I going to continue to afford these grocery prices, this episode is for you. Today’s guest, Andy Ellwood, founder of Stretch Groceries, is sharing how this new and evolving AI app can support you in getting the best deal with your groceries. By the end of this episode, you’ll understand better what this app can do for you, what it plans to do by end of summer, and how to submit your own ideas. Episode Highlights 00:00 Meet Stretch Founder 00:25 Why Grocery Prices 02:12 How Stretch Works 04:12 Personalized Smart Lists 07:10 Diet Toggles Roadmap 08:47 Privacy And Security 09:45 Location And Drive Tradeoffs 11:44 Food Access Mission 15:19 Budgeting And Nutrition 17:26 Download And First Steps 18:58 Pickup Delivery Plans 19:20 Future AI Companion 21:32 Favorite Feedback And Wrap Connect with Andy: https://stretchgroceries.com/ https://www.instagram.com/andyellwood/ Download the app: https://stretchgroceries.com/ Read the full interview HERE Get registered for the Retirement Ready Workshop today! Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    26 min
  5. The Best Time to Plan for Your Retirement Is Right Now

    May 19

    The Best Time to Plan for Your Retirement Is Right Now

    What is your biggest challenge/problem with money? [Ep 188] If you’ve ever asked yourself how to plan for your retirement or where to even begin, this episode will help you get started! Today we’re talking about retirement planning and why most people focus only on saving money instead of building a financial life that supports the retirement you want. By the end of this episode, you’ll understand why retirement readiness starts with awareness and intentional decisions so you can take control of your money and make retirement successful. In this episode you’ll learn: • Why retirement planning feels overwhelming and unclear for so many people • The biggest mistake people make when planning for retirement after 40 • How to start connecting your current spending and saving habits to your future retirement lifestyle • Two action steps to help you start your retirement planning Episode Highlights 00:00 Why We Procrastinate 03:52 Why Start Now 05:22 A Personal Wake Up 08:38 Retirement Beyond Saving 11:57 Everyday Money Decisions 14:49 Two Simple Action Steps 16:24 Let’s Make It Happen Read full show notes HERE! 👉 Join the Accelerate Your Retirement Challenge: 3 Steps To Get You Started Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    18 min
  6. The Real Reason You Don’t Feel Ready for Retirement

    May 12

    The Real Reason You Don’t Feel Ready for Retirement

    What is your biggest challenge/problem with money? [Ep 187] If you’ve ever wondered why retirement still feels so far away and know you should be thinking about it, this episode is for you. Today I’m talking about the real reason so many people don’t feel ready for retirement and why waiting until “later” to figure it out may be the very thing keeping you stuck. By the end of this episode, you’ll understand the three hidden gaps that make retirement feel overwhelming and out of reach, so you can start creating clarity, confidence, and a realistic path toward the future you actually want. In this episode you’ll learn: ✅ Why retirement still feels far away for so many people in their 40s and 50s ✅ The biggest mistake people make when planning for retirement ✅ How to start connecting your current spending and financial decisions to your future retirement goals ✅ A simple way to start creating clarity and confidence around retirement planning Episode Highlights 00:00 Why Retirement Feels Far 00:32 Stuck in the Messy Middle 01:52 Name the Feeling Block 03:16 Gap One Retirement Vision 05:49 Gap Two Know Your Number 08:14 Gap Three Build a System 12:32 One Gap One Next Step Join the Accelerate Your Retirement Challenge HERE. Challenge starts June 2, 2026! Link to full blog post HERE. Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    16 min
  7. 5 Pillars to Becoming Truly Retirement Ready

    May 5

    5 Pillars to Becoming Truly Retirement Ready

    What is your biggest challenge/problem with money? [Ep 186] If you’ve ever wondered why retirement still feels out of reach, even though you’re saving and doing all the “right” things, this episode is for you. Today we’re talking about what it really means to be retirement ready and why focusing only on savings or a generic retirement number may be keeping you stuck. By the end of this episode, you’ll understand the 5 essential pillars of retirement readiness (beyond just the numbers) so you can create clarity, feel confident in your plan, and start making decisions that move you closer to the retirement you want. In this episode you’ll learn: * Why having a clear retirement vision changes everything * How to understand your cash flow reality without feeling restricted * What your retirement number really means (and why generic advice doesn’t work) * How to identify and close your retirement gap with simple, doable steps * The powerful role of belief and decision-making in creating your future Episode Highlights 01:02 Five Pillars Overview 02:12 Pillar 1 Retirement Vision 03:49 Pillar 2 Cash Flow Reality 05:54 Pillar 3 Your Retirement Number 07:24 Pillar 4 Close the Gap 09:45 Pillar 5 Believe It’s Possible 12:36 Recap and Next Steps Join the Accelerate Your Retirement: 3 Steps To Get You Started, free challenge June 2-4, 2026. Join Today! Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    17 min
  8. Struggling to Save? Here’s Why Your Money Doesn’t Stay Put

    Apr 21

    Struggling to Save? Here’s Why Your Money Doesn’t Stay Put

    What is your biggest challenge/problem with money? [Ep 185] If you’re ever paused when moving money to savings because you think, I’ll only have to take it back out soon, this episode is for you. Today, I’m talking about why saving keeps fluctuating and why thinking it should never be touched may be keeping you stuck and discouraged. By the end of this episode, you’ll understand what’s actually normal about savings fluctuating so you can stop feeling like you’re failing and start building confidence in your money system. In this episode, you’ll learn: ✅ Why fluctuating savings happens for everyone ✅ The biggest mistake people make is declaring their savings as off limits ✅ How to start using your savings intentionally instead of emotionally reacting  ✅ A simple way to start building savings that works with your spending patterns Episode Highlights 00:00 Why Savings Matters 00:36 The Yo-Yo Savings Cycle 02:33 The Stories We Tell Ourselves 04:19 Why Saving Feels Impossible 06:36 Savings Needs Labels 09:19 Three Questions to Fix It 11:51 How to Build Your Savings System Grab a copy of the 7-Day Email Savings Challenge today! Click HERE to read the full show notes Let's connect beyond this podcast! Join the Facebook group Retirement Ready Hub – A Community for GenXers to continue the conversation and learn how to accelerate your retirement progress. Get your retirement plan in one conversation. Book your Retirement Blueprint call today!

    15 min
See All (196)

4.7
out of 5
32 Ratings

About

Top 3% Globally Ranked Personal Finance Podcast 🎧 New episodes drop weekly Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to accelerate their retirement progress, focus on the levers that move them forward, and become retirement ready with confidence. Hosted by Dalene Higgins, Money Coach and Retirement Strategist, this show gives you the support you need to get your money organized, intentional, and working toward the life you actually want without overwhelm. 🎙️ Tune in each week for honest conversations, practical strategies, and simple systems to help you: • Accelerate your retirement progress with the right money moves • Focus on the financial levers that move you forward instead of trying to do everything at once • Build consistency with saving while still enjoying life today • Navigate the tension between paying off debt and planning for retirement • Create a clear vision for your future and a plan to support it If you’re done worrying and ready to take action, hit subscribe and share with friends! Your path to getting retirement ready starts here. Let’s Connect! Instagram: https://www.instagram.com/elevate_finances/ Facebook Group: https://www.facebook.com/groups/genxersretiregroup Website https://www.elevatefinances.us

Information

You Might Also Like