Wealthy After 40: Retirement Planning and Budgeting for Gen X
Wealthy After 40 is the retirement planning and budgeting podcast for Gen X women and couples who want to become retirement ready with a clear plan, confident money decisions, and a future they can't wait to live.
Hosted by Dalene Higgins, Retirement Strategist and Money Coach, this show helps you simplify saving for retirement, budgeting for retirement, paying off debt, and creating a personalized retirement plan built around your numbers, not a generic calculator.
We’ll answer questions like:
How much do I need to retire?
Am I on track for retirement?
How do I catch up on retirement savings?
Is it too late to save for retirement at 50?
Should I pay off debt or save for retirement?
How much should I have saved for retirement by 50?
What is the 4% rule for retirement?
How do I create a retirement plan?
When can I retire?
How much should I be saving for retirement?
You'll also learn how to focus on the financial levers that have the biggest impact on retirement, balance enjoying life today while preparing for tomorrow, and replace financial overwhelm with clarity about where you stand.
If you're ready to stop wondering whether retirement is possible and start making it happen, hit follow and join me every Tuesday.
Book your Roadmap to Retirement Call at https://www.elevatefinances.us/coaching to build your personalized retirement plan in 30 minutes.
Episodes
204 episodes
5 Steps To A Simple Retirement Plan
[Ep 200]If you've ever thought retirement planning was complicated or overwhelming, this episode is for you.In this episode, I'm sharing the five essential elements of the retirement planning process that will help you ...
How to Overcome Retirement Decision Overload
[Ep 199]When you ask, "How much do I need to retire?" you're asking the wrong question first.In this episode, I'm sharing why retirement isn't one big decision, it's hundreds of small decisions that shape your future. I...
How to Travel Cheap in Retirement and Still Hit Bucket List Trips w/ Jillian Sidoti
[Ep 198]Worried that travel in retirement will either drain your savings or shrink your adventure list to the same beach every year? You can see the world on a budget that fits a real retirement plan, and this episode shows Gen X women a...
Retire Confidently With a Money System That Works
[Ep 197]If you have a budgeting app, a spreadsheet, or both, and you still can’t tell whether you’re making progress toward retirement, you are missing a money system. A tracker shows you what already happened. A money system for retirem...
Retirement Planning for Gen X: 4 Things to Map Out Now
[Ep 196]If you know when you want to retire but the years between now and then feel like a blur, this episode gives you a way to see the whole path. You'll learn how to map out what actually happens between here and retirement so the unc...
4 Signs of Quiet Financial Stress That Delay Retirement
[Ep 195]If you have savings and still feel a low hum of financial stress every payday, this episode names what you've been experiencing. You'll learn how to move from that constant worry into clarity about your money and your ...
Why Do You Fear Retirement? The Answer Might Surprise You
[Ep 194]In this episode you’ll learn:• Why retirement fear happens even when you’re financially stable• The biggest mistake people make when planning for retirement• How to identify the three numbers that create confidence...
Why Your Retirement Number Should Be Personalized
[Ep 193]In this episode you’ll learn:✅ Why so many Gen Xers feel uncertain about retirement despite years of saving.✅ The biggest mistake people make when trying to figure out if they’re on track for retirement.<...
Think You’re Behind On Retirement? You’re Not Starting From Zero
[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
Why Retirement Feels So Uncertain (Even When You’re Saving)
[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 r...
How To Calculate What You Need For Retirement
[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 ...
How to Stretch Your Groceries w/Andy Ellwood
[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 su...
The Best Time to Plan for Your Retirement Is Right Now
[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 inst...
The Real Reason You Don’t Feel Ready for Retirement
[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 wh...
5 Pillars to Becoming Truly Retirement Ready
[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...
Struggling to Save? Here’s Why Your Money Doesn’t Stay Put
[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 ...
3 Ways to Make Your Money Feel More In Control
[Ep 184]If you’ve ever wondered why you feel out of control with your money even when you’re paying bills, saving for retirement, and carrying no balance on credit cards, this episode is for you.Today I’m talking about why spendin...
You Make Good Money, So Why Do You Feel So Out of Control?
[Ep 183]If you’ve ever wondered why money feels so out of control, even when you make good money, this episode is for you.Today I’m talking about why your money can look fine on paper but still feel out of control and why it’s not...
How to Stop Overspending w/Mary Ann Stenquist
[Ep 182] If you’ve ever wondered if you have an overspending problem and think you need help, this episode is for you.Today’s guest, Mary Ann Stenquist, is a spending coach and personally knows the challenges of overspending....
Stop The Worry With 3 Steps To Better Money Decisions
[Ep 181] If you’ve ever contemplated your next money decision and not taken action because you were afraid you would mess things up, this episode is for you. Today I’m talking about making confident financial decisions a...
Why You’re Not Making Progress With Your Money
[Ep 180]If you’ve ever wondered why you’re not making progress with money or think you’re bad with money, this episode is for you.In this episode, I talk about how managing money is different as you get older, specifically for tho...
Why I Broke Up With My Emergency Fund
[Ep 179]Most advice says your emergency fund should cover 3–6 months of expenses, but what if that definition is actually what’s keeping you stuck?In this episode, I share a personal turning point in my money journey and ultimatel...
The Missing Piece That Keeps You From Getting Rid of Debt
[Ep 178]If you’ve been trying to get rid of debt but feel like you keep sliding backward, the problem usually isn’t discipline, it’s that you’re neglecting security. In this episode, I explain what an emergency fund really is, why it mat...
How to Decide What’s Good Debt, Bad Debt, and Right For You
[Ep 177]Debt isn’t just a number. It’s a commitment from your future income. In this episode, we revisit a foundational concept: what debt actually is.Debt simply means you’re delaying payment today in exchange for a higher cost l...
