Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers
The Podcast That Helps Gen Xers Retire Up to 5 Years Sooner
Top 5% Personal Finance Podcast
You’ve worked hard for decades, but now the big questions are creeping in:
👉 Will I have enough to retire?
👉 Is it too late to start retirement planning?
Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings.
I’m Dalene Higgins, a financial and retirement coach helping Gen Xers take control of their money through simple retirement systems that work now and later.
Together, we build a personalized money system that aligns with your values and lifestyle, so you can budget with confidence, save consistently, and create a clear path to retire on your own terms.
Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm.
If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you.
Retirement isn’t out of reach. Let’s simplify your next steps with clear advice on how to retire, starting today.
Book your free 30-minute Q&A call. This is your chance to bring one question or challenge and get clear, personalized guidance. Whether it’s budgeting, savings priorities, retirement timelines, or simply “Where do I start?”, you’ll leave with a confident next step.
👉 Click here to book your free call
Or visit my website www.elevatefinances.us to learn more about financial coaching and find free resources to support your retirement planning journey.
Episodes
171 episodes
Ep 167 | How to Move From Retirement Fear to Retirement Ready
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 th...
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17:17
Ep 166 | A Practical Guide To Becoming Retirement Ready in 3 Steps
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...
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18:18
Ep 165 | Step One In Retirement Planning For GenXers
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...
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16:39
Ep 164 | Your Retirement Journey and My Financial Coaching Why
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 beca...
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16:23
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 ever...
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14:56
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 ...
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13:37
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 hopelessne...
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16:55
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 reall...
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14:48
Ep 159 | A Budget System That Makes You the Money Expert of Your Life
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 clarit...
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16:17
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 F...
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14:05
Ep 157 | Why Saving For An Emergency Fund Brings Financial Freedom
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 t...
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15:58
Ep 156 | One Simple Step To Help You Plan For Your Retirement
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 ...
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13:02
Ep 155 | 3 Steps to Build A Retirement Plan w/o Budget Restrictions
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. <...
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14:53
Ep 154 | 3 Rules to Build Your Budget for Retirement
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 budgetin...
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18:49
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...
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18:51
Ep 152 | 5 Quick Wins to Help You Get on Track for Retirement
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...
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18:08
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 ...
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18:17
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 hel...
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18:25
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 proper...
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15:56
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 sma...
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16:58
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. ...
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13:32
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 jou...
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15:14
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 expens...
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16:37
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 ...
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14:53
Ep 143 | How Can I Budget Better? Stop Fighting Your Money System
If you’ve ever thought, “What’s wrong with me? Why can’t I figure this money thing out?” Inside this episode, I dive into why smart, capable women still feel stuck, stressed about money, and behind when it comes to budgeting and sav...
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16:56