Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

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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

174 episodes

3 days ago

[Ep 170] This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re ready for financial confidence, predictable cash flow, and a clear path toward retirement freedom, this is where your journey begins. The 4 phases you must complete to build a realistic retirement planWhy mental budgeting is keeping you stuck and the system you ...

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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.

[Ep 170] This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re ready for financial confidence, predictable cash flow, and a clear path toward retirement freedom, this is where your journey begins. The 4 phases you must complete to build a realistic retirement planWhy mental budgeting is keeping you stuck and the system you ...

Show more...

Self-Improvement

Episodes (20/174)

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

How to Go From Money Chaos to Financial Confidence After 40

[Ep 170] This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re ready for financial confidence, predictable cash flow, and a clear path toward retirement freedom, this is where your journey begins. The 4 phases you must complete to build a realistic retirement planWhy mental budgeting is keeping you stuck and the system you ...

4 days ago

12 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

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 pr...

1 week ago

16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

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...

2 weeks ago

15 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

How to Move From Retirement Fear to Retirement Ready

[Ep 167] Are you dreaming of the retirement you truly want, but constantly caught in the what if stage? What if you run out of money? What if you can’t travel, buy that second home, or live the lifestyle you’ve imagined? Many individuals over 40 find themselves stuck between the retirement they desire and the fear that it may never happen. In this episode, I’m breaking down a practical, 3-step process to move from fear to possibility. You’ll learn how to gain clarity about your fi...

3 weeks ago

17 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

A Practical Guide To Becoming Retirement Ready in 3 Steps

[Ep 166] If you’ve been quietly hoping retirement will work itself out, this episode is your wake-up call. Becoming retirement ready isn’t about luck, guesswork, or crossing your fingers. It’s about clarity, consistency, and having a simple plan you can actually follow. In today’s episode, I’m walking you through a practical 3-step process that takes you from uncertainty to confidence, no matter where you’re starting. We’ll break down what retirement really looks like for you, h...

1 month ago

18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Step One In Retirement Planning For GenXers

[Ep 165] If you’re a GenXer wondering what the first step in retirement planning really is, this episode will give you the clarity you’ve been missing. So many of us feel retirement fear because you don’t know where to start or which numbers matter most. Before you think about investments or complicated strategies, you need to know your numbers. In this episode, you’ll learn how to start a retirement plan with five key numbers that bring direction, confidence, and a clear path f...

1 month ago

16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Your Retirement Journey and My Financial Coaching Why

[Ep 164] Have you ever wondered why some people make steady progress on their retirement journey while others stay stuck, even with a good income? I was there too, budgeting, saving, planning, but never feeling confident it was enough. That's why I became a financial coach. Over my 13-year retirement journey, I learned that reaching retirement is possible, but I didn’t have a clear path, checklist, or anything telling me what to do next. What I learned on my journey is the exact s...

1 month ago

16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

How to Maintain Your Lifestyle in Retirement

[Ep 163] 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,...

1 month ago

14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Overwhelmed by Debt? Uncover What's Really Keeping You from Retirement

[Ep 162] 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 ...

2 months ago

13 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Anxious About Retirement? Your Timeline Holds the Answer

[Ep 161] 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...

2 months ago

16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Worried About Retirement? Here’s How to Start Taking Action

[Ep160] 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.&nb...

2 months ago

14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

A Budget System That Makes You the Money Expert of Your Life

[Ep 159] In this episode, I 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 you. What you’ll learn: ✅ Why a financial advisor can’t fix what a strong money s...

2 months ago

16 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

The Simple Formula to Become Retirement Ready

[Ep 158] 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 ✅...

2 months ago

14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

Why Saving For An Emergency Fund Brings Financial Freedom

[Ep 157] 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 s...

2 months ago

15 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

One Simple Step To Help You Plan For Your Retirement

[Ep 156] 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 ...

3 months ago

13 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

3 Steps to Build A Retirement Plan w/o Budget Restrictions

[Ep 155] 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 fe...

3 months ago

14 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

3 Rules to Build Your Budget for Retirement

[Ep 154] 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 lifestyl...

3 months ago

18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

The #1 Retirement Tool You’re Overlooking (and How to Use It Now)

[Ep 153] 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 ...

3 months ago

18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

5 Quick Wins to Help You Get on Track for Retirement

[Ep 152] If you’ve ever wondered, “Am I on track for retirement?” or felt unsure where to even begin, you’re not alone. So many people think they need one major change to catch up, but the truth is, you get on the right track to retirement through small, consistent steps. In this episode, I’m sharing 5 quick wins to help you get your retirement on track. Simple actions you can start today that build confidence, clarity, and real momentum toward your dream retirement. In this episode, you’ll...

3 months ago

18 minutes

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

The Hidden Perks of Starting Late for Retirement Success

[Ep 151] 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 retireme...

3 months ago

18 minutes