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.
Wealthy After 40: Retirement Planning and Budgeting for Gen X
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
What topic or question would you love answered on the podcast?
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