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 Money Momentum Call at https://www.elevatefinances.us/call to figure out where your money is going and what to focus on next.
Episodes
216 episodes
Am I Behind On Retirement Savings? How To Calculate Your Number
[Ep 207]You’ve just realized retirement is coming quickly and now you’re wondering “Am I Behind On Retirement Savings?” You know you’ve been quietly doing, but truly wonder if it’s enough. This episode will help you understan...
What Do I Want Now? Finding Yourself and Creating Change After 40
[Ep 206]Finding yourself after 40 can feel difficult when you’ve spent years building a career, caring for others, meeting expectations, and doing what you thought you were “supposed” to do. If you’re entering a new season of life and wo...
Fix Your Budget Tracking Now — Before Retirement Sneaks Up On You
[Ep 205]You've made the decision to finally get serious about budgeting and tracking for retirement. You know tracking is something you should be doing, yet being consistent is where you fall short.Inside this episode, I share 3 r...
Why Knowing Your Numbers Fixes the Gen X Retirement Mindset
[Ep 204]Gen X, when you think about retirement, the excitement fades fast once you remember everything you still need and want to do before then. Your retirement mindset immediately gets stuck in "I can't do it all," and that thinking is...
Why Debt Could Be Keeping You From Being Retirement Ready
[Ep 203]You’re paying off debt to get retirement ready. The extra you are able to pay each month is making a difference, but occasionally you still find yourself adding to the balance instead of paying it down.In this e...
How to Invest in Your Health to Protect Retirement Savings w/ Jenny Smith
[Ep 202]Your retirement health might be the single biggest wildcard in your plan, and most pre-retirees are quietly terrified it'll drain everything they've worked for. So what actually protects you here: more savings, better...
Mini Episode 5: I'll Deal With It Later
The quiet excuse underneath all the others. In this mini episode, Dalene shows what "later" actually means and what to do instead.Are You On Track To Retire?5-day eve...
Mini Episode 4: I Need to Get My Money in Order
Organizing your money and building a retirement plan aren't the same thing. In this mini episode, Dalene explains the difference and why one of them keeps you stuck. Are Yo...
Mini Episode 3: I Don't Make Enough to Save
Saving is only one piece of the puzzle and it's usually not the one with the most room to move. In this mini episode, Dalene shares what else you can control to boost your savings.
Mini Episode 2: I Don't Know Where to Start
Why you feel overwhelmed and what to do instead. Overwhelmed isn't the same as stuck. In this mini episode, Dalene walks you through what you should do to start taking action.Ar...
Mini Episode 1: It's Too Late & I'm Behind
You're not behind! You just don't have a plan yet. In this episode, Dalene breaks down why "behind" is a feeling, not a fact, and what it actually takes to close the gap.
Where Can I Find Extra Money In My Budget For Retirement Savings
[Ep 201]Budgeting for retirement can feel impossible when you’re already watching every dollar. You’ve cut back on eating out, you’re not shopping as much, and you still wonder, Where am I supposed to find extra money to save for retirem...
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 ...
