Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers Dalene Higgins

This episode features Rizek Housari, a Wealth Advisor, Certified Financial Planner, and CPA, discussing the benefits and strategies of using Health Savings Accounts (HSAs). The episode emphasizes the HSA's role not just for immediate medical expenses but as a critical part of a comprehensive financial and retirement strategy.
In the interview Rizek covers: 
HSA as a powerful tool for tax savingEligibility criteria for HSAs Contribution limitsImportance of keeping receipts Strategic use of HSAs for retirement planning Common pitfalls to avoid when using an HSAConnect with Guest Expert, Rizek Housari:
On TikTok 
LinkedIn




Let’s Connect!
Are you ready to kick it up a notch with your savings?

Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!
Are you looking for 1:1 support with your finances?

Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.
Visit my website to learn more about financial coaching, and who I am, and discover more free resources and events.

Today, we're diving into the world of savings accounts and uncovering the best options to match your financial aspirations.
In this episode, I cover the following topics: 
Various savings account options and how to choose which aligns best with your goalsUnderstanding the importance of defining your goals and prioritizing them to create an effective savings strategyOther key factors to consider when choosing a savings account, include interest rates, fees, accessibility, and terms and conditionsAdvice to begin taking action today and what next steps to take


Let’s Connect!
Are you ready to kick it up a notch with your savings? Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!
Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 
Are you looking for 1:1 support with your finances? Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.
Visit my website to learn more about financial coaching, who I am, and discover more free resources and events.

This episode will help you create a successful foundation for your personal savings plan. Learn how to focus on your why and how to determine specific purposes to help you define the need for savings 
Hear relatable stories illustrating the impact of not saving and how it perpetuates financial strugglesExplore common myths about saving and why they can hinder your financial progressDiscover the multifaceted benefits of saving beyond just accumulation, including financial security and goal attainmentLearn actionable steps to identify and address personal obstacles to saving, paving the way for financial empowerment
Let’s Connect!
Are you ready to kick it up a notch with your savings? Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!
Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 
Are you looking for 1:1 support with your finances? Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.
Visit my website to learn more about financial coaching, who I am, and discover more free resources and events.

Navigating the Journey with Aging Parents as a Caregiver with Richard Hirsch


Guest Richard Hirsch has been involved in the medical alert system industry for approx. five  years currently the Chief Marketing Officer of UnaliWear. They are the makers of the most innovative medical alert system in the industry. Rich also has a 94-year-old mother living fiercely independent.  


He shares his expertise with us today and answers the following questions: 
Tips for aging in place successfullyCan you help us make sense of the medical alert industry for caregivers?How has the industry evolved as technology has evolved? Why wouldn’t someone just get an Apple Watch?
Connect with Richard:
LinkedIn
Website

Let’s Connect!
Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 
Are you looking for 1:1 support with your finances? Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.
Are you ready to start a journey to being debt-free? Be sure to grab my Break Free From Debt Checklist with steps and additional resources to help you create your debt pay-off strategy. 

Craig Colvett, co-founder of Coach360, is a life and leadership coach from Denver, Colorado. He focuses on helping people effectuate change to better themselves whether that is in their career, personal relationships, mental health, time management, or transition periods. 


Through his two decades of experience in the financial sector, Craig has established a reputation for helping people with all of the non-financial elements of retirement including finding their purpose, improving their mental health, and making sure they have a plan for social interaction.


Colvett emphasizes the role of a coach in guiding individuals through this transition, highlighting the power of journaling, defining life goals, and embracing accountability towards a fulfilling retirement.


Together we discuss: 
the non-financial aspects of retirement 
finding purpose
social support 
redefining retirement as a career shift


Connect with Craig:
LinkedIn
Website


Let’s Connect!
Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 


Are you ready to start a journey to being debt-free? Be sure to grab my Break Free From Debt Checklist with steps and additional resources to help you create your debt pay-off strategy. 

Are you looking for 1:1 support with your finances? Schedule a free Budget Breakthrough Call to learn more about what coaching can look like for you. On this 60-minute call, we’ll explore what you’re currently doing and what changes you can make moving forward.

We’re celebrating 50 episodes!! And top 10% of all podcasts globally!


I chose the number 5 in celebration of today’s episode.


5 things I wish my younger self knew and the beginning of my finance journey 
AND 
5 pieces of advice for listeners to take action with today


GIVEAWAY:
I am giving away one spot to my 4-month signature program, the Financial Freedom Accelerator to celebrate 50 episodes. 


There are two ways to enter:
Screenshot this episode, tag 5 friends to share the podcast, and tag @elevate_finances to be entered
Leave an honest Apple podcast review between April 2nd and April 30th to be entered


Listen to episode 056 on May 14th (or read the shownotes) to learn the winner of the giveaway!!


Let’s Connect!


Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 


Are you ready to start a journey to being debt-free? Be sure to grab my Break Free From Debt Checklist with steps and additional resources to help you create your debt pay-off strategy. 

Are you looking for 1:1 support with your finances? Schedule a free Budget Breakthrough Call to learn more about what coaching can look like for you. On this 60-minute call, we’ll explore what you’re currently doing and what changes you can make moving forward.