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Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Dalene Higgins - Money Coach, Retirement Coach, CEO
167 episodes
4 days ago
If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money dri...
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All content for Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f is the property of Dalene Higgins - Money Coach, Retirement Coach, CEO and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money dri...
Show more...
Self-Improvement
Education
Episodes (20/167)
Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 163 | How to Maintain Your Lifestyle in Retirement
If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money dri...
Show more...
4 days ago
14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 162 | Overwhelmed by Debt? Uncover What's Really Keeping You from Retirement
Feel overwhelmed by debt and unable to plan for retirement? In this episode, I explore retirement and debt, and why they don't have to be mutually exclusive. The truth about paying off debt before retirement is that you don't have to eliminate everything first. But you do need help with identifying what's really causing your debt cycle. Discover how understanding what creates your debt changes everything. What You'll Learn: ✅ Why you don't need all debt paid off before retirement and ...
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1 week ago
13 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 161 | Anxious About Retirement? Your Timeline Holds the Answer
Feeling anxious about retirement? Many people believe retirement isn’t even an option for them. But understanding your retirement timeline is the first step toward finding peace about your future. This episode will help you move from hopelessness to having a clear, achievable retirement timeline. What You'll Learn: ✅ How to identify when you want to retire versus when you can retire ✅ How understanding your retirement timeline reduces anxiety and creates motivation ✅ How Social Securit...
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2 weeks ago
16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 160 | Worried About Retirement? Here’s How to Start Taking Action
If you’re worried about retirement, this episode is your nudge to stop avoiding the fear and start exploring it. Because the longer you sit in uncertainty, the more complacent you become. In this episode, I’m unpacking what it really means to “get serious” and why facing your retirement fears is the key to taking action. You’ll learn how to identify what’s triggering your worries, how to turn those thoughts into motivation, and the first steps to move from anxiety to clarity. What...
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3 weeks ago
14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 159 | Why a Financial Advisor Can’t Fix What a Daily Money System Solves
Before anyone can guide your investments, you need to understand your own money first. In this episode, Il talk about why you are the expert of your money and what you need in place before bringing in a financial advisor. You’ll learn how to build confidence around your cash flow, set realistic savings goals, and create the clarity that helps you make smart financial decisions. If you’re ready to feel in control of your money and confident in your next financial step, this episode is for ...
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1 month ago
16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 158 | The Simple Formula to Become Retirement Ready
You may be thinking, “I just need to save a certain amount of money to retire,” but the truth is, getting ready for retirement requires so much more than just hitting a number. In this episode, I’m walking you through my Retirement Confidence Formula, a simple, step-by-step framework designed to help you get clear, organized, and take action so you can truly become retirement ready. In this episode, you’ll learn: ✅ Why retirement isn’t just about saving a number ✅ How the Retire...
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1 month ago
14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 157 | Why You Need an Emergency Fund You Can Count On
Instead of stress and panic in most emergencies, your emergency fund can help you have a sense of peace. In this episode, I’m showing you how to build an emergency fund that doesn’t feel like a restriction or a sacrifice. Instead, it’s a tool that brings peace, freedom, and confidence so that you can handle life’s surprises without fear. In this episode, you’ll learn: ✅ Why your emergency fund is a symbol of wealth, not limitation ✅ The hidden mindset shift that makes saving feel rewa...
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1 month ago
15 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 156 | What to Focus on in Retirement Planning Right Now
When you think about retirement, does it ever feel like everything is an urgent must-do? Should you pay off debt, be saving more, or catch up on savings for retirement? No wonder it feels overwhelming! The truth is, trying to tackle everything at once keeps you stuck. By the end of today’s conversation, you’ll know how to cut through the noise, choose the right priority for you, and start creating a retirement plan that feels doable instead of overwhelming. What You’ll Learn in This E...
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1 month ago
13 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 155 | How to Build a Retirement Plan That Lets You Thrive Today and Tomorrow
When you think about retirement planning, do you feel pressured to give up the things you enjoy today so you can save for the future? That’s a false choice. You don’t have to live with restrictions to create security for tomorrow. In this episode, I’ll show you how to bring balance to your money so you can enjoy life now while still building your retirement dreams. By the end of today’s conversation, you’ll know how to structure your spending and saving in a way that feels sustainable...
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1 month ago
14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 154 | How I Created a Budget for Retirement (and the 3 Rules I Now Teach)
I’ve tried every kind of budgeting and tracking system. Along the way, I discovered what truly worked for me and turned those lessons into the philosophies I now teach my clients. In today’s episode, I’m sharing my personal budgeting journey, the mistakes I made, and the shifts that finally gave me clarity, control, and confidence. By the end of this conversation, you’ll see how a budget can be designed around you, your values, your priorities, and the retirement lifestyle you’re workin...
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1 month ago
18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 153 | The #1 Retirement Tool You’re Overlooking (and How to Use It Now)
In this episode, I am sharing why a budget is important in your retirement planning. I’m breaking down what a budget really is, why it matters for your retirement, and how you can start making one work for you today. By the end, you’ll know how to shift from seeing a budget as a punishment to seeing it as permission and the tool that will help you retire. What You’ll Learn in This Episode: ✅ What a budget really is (and what it’s not) ✅ Why budgeting is essential if you want to feel s...
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1 month ago
18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 152 | 5 Quick Wins to Get Your Retirement on Track
If you’ve ever found yourself waiting for a “big fix” to get your retirement on track, you’re not alone. So many people believe they need one massive change to make up for lost time, but what really moves the needle is small, consistent actions you can start today. In this episode, I’m sharing 5 quick wins to help you build clarity, confidence, and unstoppable progress toward your dream retirement. In this episode, you’ll learn: ✅ Why consistency matters more than perfection in retirement...
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1 month ago
18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 151 | The Hidden Perks of Starting Late for Retirement Success
You might think you’re behind, but what if I told you that starting late for retirement actually gives you an advantage? By your 40s and 50s, you’ve built wisdom, clarity, and life experience that your 25-year-old self simply didn’t have. That means the money decisions you make today are smarter, more intentional, and more powerful. If you’ve been worried that you’re “too late,” this episode will show you how your late start is actually the exact boost you need to create the retirement you’...
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2 months ago
18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 150 | Why ‘Too Late’ Thinking Hurts More Than Starting Late
It’s not about when you started, it’s about when you decide to start, and the longer you wait in fear, the less progress you’ll make. Confidence begins with choosing to start today. In this episode, I will share 3 (actually 4) tips to help you make getting started late no longer a factor. What You’ll Learn: ✅ How to Embrace the Late Start ✅ The Importance of Starting Now ✅ 4 Tips For Overcoming the Late Hurdle ✅ How to Define Your Starting Point Ready to feel confident about your reti...
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2 months ago
18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 149 | How My Client Saved $12K to Buy Her First Rental Property
Maybe you’ve been telling yourself it’s too late, like the window closed years ago. However, I want to show you that it isn't. My client thought the same, and 6 months later ,she was actively taking steps to purchase her first investment property, 12 months sooner than she thought possible. What You’ll Learn in This Episode: ✅ My Client's Initial Struggles and Goals ✅ My Client's Financial Background and Challenges ✅ The Steps She Took to Financial Freedom ✅ How We Created Her Money Managem...
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2 months ago
15 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 148 | How to Take Goal Action Every 90 Days
When it comes to saving for retirement, do you feel paralyzed by the big picture? Maybe you’re staring down $500K, $750K, or even $1 million and thinking, “That’s impossible.” The truth is, it’s not. The key is breaking those big goals into smaller, doable chunks. In this episode, I’ll share how my Milestone Method will help make your money goals tangible, actionable, and achievable. What you’ll learn in this episode: ✅ Why big retirement goals feel overwhelming (and how to fix it) ✅ ...
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2 months ago
16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 147 | 3 Retirement Myths That Are Keeping You Stuck
Have you ever caught yourself thinking, “I’ll never have enough to retire,” “I’ve got too much debt to pay off,” or even “It’s too late for me to catch up”? These thoughts feel true, but they’re actually myths that quietly keep you stuck. In this episode, I’ll help you uncover the sneaky stories your brain tells you to keep you “safe,” and how to start rewriting them so you can move toward the retirement you want. What you’ll learn in this episode: ✅ What limiting beliefs are and wh...
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2 months ago
13 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 146 | Making Retirement Possible Starts With Clear Goals
Do you have a retirement goal, but it feels fuzzy? This may be one area that, once you get clear and defined, you realize there is no stopping your progress. In this episode, I will share 3 steps to create more specific goals for your money journey What You’ll Learn in This Episode: ✅ Why vague goals keep you stuck and how to shift them into clear statements ✅ Two key elements to make your money goals specific ✅ How to test if your goal is realistic (and what to do if it’s not) ✅ The ...
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2 months ago
15 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 145 | Debt, Savings, or Expenses? How to Know What to Focus On First
Clarity with where your money is going today is essential to you achieving your retirement goal. If you are worried about how to reach retirement or how to save enough money this episode will help you understand if you should be reducing expenses, paying off debt, or doubling down on savings. What you’ll learn: ✅ How to evaluate your current financial reality ✅ Why clarity matters before action ✅ A three point reflection every retirement plan needs ✅ Where your first focus shoul...
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2 months ago
16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
Ep 144 | Why Comparing Your Finances Is Keeping You Stuck
Ever feel like you’re falling behind financially no matter how hard you work or how much you accomplish? In this episode, I’m sharing the story of a client who went from stuck in comparison mode to building real confidence and momentum with her money. She was running a thriving business, yet felt like a failure because she kept measuring herself against other people’s retirement accounts, debt-free milestones, and dream vacations. The truth is, when you’re busy comparing your financ...
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2 months ago
14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f
If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money dri...