Wealthy After 40: Financial Freedom, Retirement Strategy, Saving, Budgeting
🎧 New episodes every Tuesday
Welcome to Wealthy After 40, the retirement 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, Money Coach and Retirement Strategist, this show helps you simplify saving for retirement, budgeting for retirement, and creating a personalized retirement plan for you and your life.
Whether you’re wondering if you’re behind, trying to catch up, or simply want to feel more confident about your future, each episode delivers practical strategies, simple action steps, and encouraging conversations to help you make steady retirement progress.
🙋♀️ We’ll answer questions like:
• When can I retire?
• Will I have enough for retirement?
• How do I create a plan for retirement?
• How do I calculate my retirement number?
• How do I know if I’m on track for retirement?
• Should I pay off debt or save for retirement first?
• How much should I be saving for retirement?
• What if I can’t afford to retire?
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
➡ Create a retirement vision that motivates you to stay consistent
➡ Replace financial overwhelm with clarity, confidence, and action
If you’re ready to stop wondering whether retirement is possible and start making it happen, hit follow and join me every Tuesday. Your journey to becoming retirement ready starts here.
Wealthy After 40: Financial Freedom, Retirement Strategy, Saving, Budgeting
Why I Broke Up With My Emergency Fund
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[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 ultimately why I broke up with the traditional emergency fund. Not because emergency funds don’t matter, but because how we define them matters more.
You’ll learn how redefining your savings can help you stay consistent, make clearer decisions, and avoid debt without relying on perfect discipline.
This episode isn’t just about emergency funds, it’s about permitting yourself to personalize financial advice so your money aligns and supports you.
What You’ll Learn
✅ Why the standard emergency fund advice didn’t work for me
✅ The hidden problem with saving only for job loss
✅ How to rethink emergencies in a way that fits your real life
✅ Why undefined savings leaves you stressed
✅ How specific savings categories make it easier to stay consistent
✅ How emergency savings help prevent new debt
✅ Why personal finance only works when it becomes personal
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