Wealthy After 40: Retirement Ready, Financial Freedom, Budgeting, Saving, Debt

The Real Reason You Don’t Feel Ready for Retirement

Dalene Higgins - Money Coach & Retirement Strategist

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0:00 | 16:00

What is your biggest challenge/problem with money?

[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 why waiting until “later” to figure it out may be the very thing keeping you stuck.

By the end of this episode, you’ll understand the three hidden gaps that make retirement feel overwhelming and out of reach, so you can start creating clarity, confidence, and a realistic path toward the future you actually want.


In this episode you’ll learn:

✅ Why retirement still feels far away for so many people in their 40s and 50s

✅ The biggest mistake people make when planning for retirement

✅ How to start connecting your current spending and financial decisions to your future retirement goals

✅ A simple way to start creating clarity and confidence around retirement planning


Episode Highlights

00:00 Why Retirement Feels Far

00:32 Stuck in the Messy Middle

01:52 Name the Feeling Block

03:16 Gap One Retirement Vision

05:49 Gap Two Know Your Number

08:14 Gap Three Build a System

12:32 One Gap One Next Step


Join the Accelerate Your Retirement Challenge HERE. Challenge starts June 2, 2026!


Link to full blog post HERE.


Are you ready to stop hoping it all works out and start creating a clear plan for your retirement?

Message me on Instagram for details, or book your Roadmap to Retirement Call today!

Looking for more connection?! Join the Retirement Ready Hub for GenXers Facebook group and join others on the same journey.