Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers
The Podcast That Helps Gen Xers Retire Up to 5 Years Sooner
Top 5% Personal Finance Podcast
You’ve worked hard for decades, but now the big questions are creeping in:
👉 Will I have enough to retire?
👉 Is it too late to start retirement planning?
Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings.
I’m Dalene Higgins, a financial and retirement coach helping Gen Xers take control of their money through simple retirement systems that work now and later.
Together, we build a personalized money system that aligns with your values and lifestyle, so you can budget with confidence, save consistently, and create a clear path to retire on your own terms.
Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm.
If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you.
Retirement isn’t out of reach. Let’s simplify your next steps with clear advice on how to retire, starting today.
Book your free 30-minute Retirement Clarity call to talk through your current money and retirement situation. Together, we’ll look at where you are right now, what feels confusing or unclear, and identify the one next step that will make the biggest difference.
👉 Book Your Retirement Clarity Call Now
Or visit my website www.elevatefinances.us to learn more about financial coaching and find free resources to support your retirement planning journey.
Episodes
174 episodes
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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12:02
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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16:40
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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15:39
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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17:17
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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18:18
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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16:39
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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16:23
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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14:56
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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13:37
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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16:55
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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14:48
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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16:17
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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14:05
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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15:58
One Simple Step To Help You Plan For Your Retirement
[Ep 156] When you think about retirement, does it ever feel like everything is an urgent must-do? Should you pay off debt, be saving more, or catch up on savings for retirement? No wonder it feels overwhelming! The truth is, trying ...
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13:02
3 Steps to Build A Retirement Plan w/o Budget Restrictions
[Ep 155] When you think about retirement planning, do you feel pressured to give up the things you enjoy today so you can save for the future? That’s a false choice. You don’t have to live with restrictions to create security for to...
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14:53
3 Rules to Build Your Budget for Retirement
[Ep 154] I’ve tried every kind of budgeting and tracking system. Along the way, I discovered what truly worked for me and turned those lessons into the philosophies I now teach my clients. In today’s episode, I’m sharing...
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18:49
The #1 Retirement Tool You’re Overlooking (and How to Use It Now)
[Ep 153] In this episode, I am sharing why a budget is important in your retirement planning. I’m breaking down what a budget really is, why it matters for your retirement, and how you can start making one work for you today. By the end, you’ll...
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18:51
5 Quick Wins to Help You Get on Track for Retirement
[Ep 152] If you’ve ever wondered, “Am I on track for retirement?” or felt unsure where to even begin, you’re not alone. So many people think they need one major change to catch up, but the truth is, you get on the right track to retirement thro...
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18:08
The Hidden Perks of Starting Late for Retirement Success
[Ep 151] You might think you’re behind, but what if I told you that starting late for retirement actually gives you an advantage? By your 40s and 50s, you’ve built wisdom, clarity, and life experience that your 25-year-old self simply didn’t ha...
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18:17
Why “Starting Late” Isn’t Too Late for Retirement Planning
[Ep 150] If you’ve ever felt behind in retirement planning or caught yourself thinking you’re starting late, this episode will feel like a breath of relief. In this episode, I’m breaking down why “too late thinking” holds you back f...
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18:25
Client Story: Savings Strategy Of Her First Rental Property
[Ep 149] In this powerful client success episode, I share how one woman went from overwhelmed, uncertain, and stuck to saving $12,000 and purchasing her first investment property an entire year earlier than she expected. You’ll hear...
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15:56
Your 3-Step Blueprint for Achieving Retirement Goals Faster
[Ep 148] When it comes to saving for retirement, do you feel paralyzed by the big picture? Maybe you’re staring down $500K, $750K, or even $1 million and thinking, “That’s impossible.” The truth is, it’s not. The key is breaking tho...
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16:58
