Wealthy After 40: Retirement Ready, Financial Freedom, Budgeting, Saving, Debt
Top 3% Globally Ranked Personal Finance Podcast
🎧 New episodes drop weekly
Welcome to the Wealthy After 40 — the podcast for Gen X women and couples who want to feel confident about their money and clear on their path to retirement.
Hosted by Dalene Higgins — Money Coach and Retirement Strategist — this show is the support you need to get your money organized, intentional, and working toward the life you actually want without overwhelm.
🎙️ Tune in weekly for honest conversations, practical strategies, and simple systems to help you:
- Take control of your money and direct it where it needs to go
- Build consistency with saving and not lose enjoyment of spending
- Navigate the tension between paying off debt and planning for retirement
- Create a vision for your money and your future with a plan to support it
- Make confident financial decisions without second-guessing yourself
If you’re done worrying and ready to take action, hit subscribe and share with friends! Your path to getting retirement ready starts here.
Let’s Connect!
Instagram: https://www.instagram.com/elevate_finances/
Facebook: https://www.facebook.com/dalene.higgins/
Website https://www.elevatefinances.us
Episodes
185 episodes
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...
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14:51
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...
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15:55
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...
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15:29
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...
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16:44
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...
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18:18
What To Do When You Are Overwhelmed by Debt After 40
[Ep 176]Feeling overwhelmed by debt right now? This feeling is real. The solution isn’t simply trying harder or being stricter about paying off debt. In this episode, I talk about the two main causes of overwhelm, even when y...
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15:55
The 4 Financial Foundations You Need (+ the Missing Catalyst)
[Ep 175]If you’re juggling priorities in this stage of life and your finances feel like money chaos, this episode is for you. I break down how to simplify what’s become complicated over years of managing money and explain the...
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16:22
How Intentional Decisions Shape Your Retirement Dream
[Ep 174]Financial freedom (retirement) doesn’t happen by accident, and it doesn’t come from saving alone. It’s built through intentional decisions, a clear retirement dream, and the confidence to design a life you’re excited to live....
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17:14
Make Smarter Money Decisions That Support Your Retirement
[Ep 173]Knowing if you’re making the right financial decisions can feel overwhelming, especially when life is pressing in from all sides. As part of the sandwich generation, you’re helping parents, supporting children, and trying to stay...
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18:00
A Money System For Practical Spending and Stress Free Saving
[Ep 172]In this episode, you’ll learn how a few intentional systems can eliminate the chaos, help you spend confidently, save consistently, and take control of your retirement path starting today.What You’ll Learn In Th...
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17:16
The Simple Numbers That Reveal Your Retirement Readiness
[Ep 171]In this episode, I’ll walk you through the exact numbers to look at, what they mean, and how to interpret them so you can finally stop guessing and start knowing. When you understand your money reality, you gain confidence, direc...
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16:08
How to Go From Money Chaos to Financial Confidence After 40
[Ep 170]This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re rea...
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11:40
Turn Reflection into Action for a Retirement Ready Year
[Ep 169] As the new year begins, it’s the perfect time to reflect on your progress and set yourself up for success. In this episode, we’ll help you take a closer look at your retirement journey, what’s fueling your momen...
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16:17
How to Fix Your Budget Problem (It’s Not Discipline)
[Ep 168] If you’ve ever thought, “I just need more discipline with my budget,” this episode is for you. Many smart, motivated women already have a budget or money plan that works until it doesn’t. A birthday, a trip, an emo...
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15:16
How to Move From Retirement Fear to Retirement Ready
[Ep 167] Are you dreaming of the retirement you truly want, but constantly caught in the what if stage? What if you run out of money? What if you can’t travel, buy that second home, or live the lifestyle you’ve imagined? Many indivi...
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16:55
A Practical Guide To Becoming Retirement Ready in 3 Steps
[Ep 166] If you’ve been quietly hoping retirement will work itself out, this episode is your wake-up call. Becoming retirement ready isn’t about luck, guesswork, or crossing your fingers. It’s about clarity, consistency, and having ...
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17:56
Step One In Retirement Planning For GenXers
[Ep 165] If you’re a GenXer wondering what the first step in retirement planning really is, this episode will give you the clarity you’ve been missing. So many of us feel retirement fear because you don’t know where to start or whic...
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16:16
Your Retirement Journey and My Financial Coaching Why
[Ep 164] Have you ever wondered why some people make steady progress on their retirement journey while others stay stuck, even with a good income? I was there too, budgeting, saving, planning, but never feeling confident it was enou...
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16:01
How to Maintain Your Lifestyle in Retirement
[Ep 163] If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will...
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14:34
Overwhelmed by Debt? Uncover What's Really Keeping You from Retirement
[Ep 162] Feel overwhelmed by debt and unable to plan for retirement? In this episode, I explore retirement and debt, and why they don't have to be mutually exclusive. The truth about paying off debt before retirement is that you don...
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13:14
Anxious About Retirement? Your Timeline Holds the Answer
[Ep 161] Feeling anxious about retirement? Many people believe retirement isn’t even an option for them. But understanding your retirement timeline is the first step toward finding peace about your future. This episode will help you...
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16:33
Worried About Retirement? Here’s How to Start Taking Action
[Ep160]If you’re worried about retirement, this episode is your nudge to stop avoiding the fear and start exploring it. Because the longer you sit in uncertainty, the more complacent you become. In this episode, I’m unpacking...
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14:26
A Budget System That Makes You the Money Expert of Your Life
[Ep 159]In this episode, I talk about why you are the expert of your money and what you need in place before bringing in a financial advisor. You’ll learn how to build confidence around your cash flow, set realistic savings goals, and cr...
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15:54
The Simple Formula to Become Retirement Ready
[Ep 158] You may be thinking, “I just need to save a certain amount of money to retire,” but the truth is, getting ready for retirement requires so much more than just hitting a number. In this episode, I’m walking you through my Re...
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13:43
Why Saving For An Emergency Fund Brings Financial Freedom
[Ep 157] Instead of stress and panic in most emergencies, your emergency fund can help you have a sense of peace. In this episode, I’m showing you how to build an emergency fund that doesn’t feel like a restriction or a sacrifice. I...
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15:36
