Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Retirement Savings, and Financial Freedom for Gen Xers
The Podcast That Helps Gen Xers Budget Their Way To Retirement Top 5% Personal Finance Podcast You’ve been working hard for decades, but now the 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 prepare for retirement, even if you’re starting late or feel behind. I’m Dalene Higgins, financial coach and creator of the Budget to Retirement framework. I help Gen Xers get clear on what retirement can look like for them and map out a step-by-step plan to make it happen. Each week, you’ll find step-by-step guidance on how to start planning for retirement, budgeting for retirement, and answering the big question: Will I have enough to retire? If you’re ready to take control of your money, ditch the overwhelm, and build a plan that makes retirement possible, this podcast is for you. Retirement isn’t out of reach. Let’s create your path together with simple steps for retirement planning. Ready to Get Clear on Your Retirement Path? Book your free Confidence Kickstart Call and in just 30 minutes, you’ll know what’s standing between you and retirement, and how to overcome it. https://www.elevatefinances.us/kickstart Or, grab one of my free resources to help you take the first step: 5 Must-Do Steps for Retirement Planning https://www.elevatefinances.us/mustdo Retirement Ready Checklist https://www.elevatefinances.us/retirement-readiness-checklist
Episodes
Think you’re not ready to retire? That fear might be lying to you. Tune in and find out why you could be closer than you think.
It's time to tell that little voice in your head that you're ready to do this!
What You’ll Learn in This Episode:
•A simple 3-part check to determine if you’re ready to retire
•The truth about saving for retirement, even if it feels like it’s not enough
•How asking que...
Will we have to cut back so much that we don’t enjoy retirement? This may be a fear you have about retiring.
In today’s episode, I’m going to share 3 steps to help you budget for retirement and be sure you don’t sacrifice your current lifestyle.
What you’ll learn:
✅ “Living on less” is just a limiting belief
✅ Fear of restriction comes from lack of clarity
✅ 3 steps to plan your ideal retirement lifestyl...
You’ve just started thinking about retirement. You ask yourself: Am I on track for retirement OR How do I start planning for retirement?
I’ve got you covered! In this episode, I share 5 must-do steps to help you get ready for retirement.
These steps are simple, but they’re powerful. And they’re exactly where you begin.
What You’ll Learn:
✅ How to ditch the overwhelm from Google overload
✅ Get 5 clear sta...
In today’s episode, I’m diving into the importance of saving money and how this single habit can completely transform your financial journey. If you’ve ever wondered why saving is such a big deal or how to actually stick with it, this episode will give you all you need to know.
I’ll walk you through eight (8) powerful reasons why the importance of a strong saving habit is key to managing money with c...
What does it really take to retire with both financial freedom and a sense of purpose? In this episode, I’m joined by Bryan Huhn who shares how his journey from the corporate grind to purpose-driven work reshaped his entire outlook on money and retirement. From investment strategies to liquidity planning, Bryan offers practical advice and personal stories that will inspire you to think differently about y...
In this episode, I’m giving you a behind-the-scenes look at the Retirement Ready Bootcamp, a 3-day experience designed to help you understand all elements of retirement planning and what to do next.
I’ll share:
✅ What I wish I had when I started my own retirement journey
✅ Why I created this Bootcamp for people just like you
✅ Why this might be the most important next step you take for your future
If...
Where do I start with retirement planning? How do I start a retirement plan? The best place to begin is by dreaming.
Creating a vision for your ideal retirement gives you a clear target to aim for. It shapes the direction of your retirement plan and helps you understand what you’re truly working toward.
What You'll Learn:
✅ Why creating a vision is the first step in retirement planning
✅ How your vision...
You’re asking, how do I know if I can retire? This episode helps you get ready for retirement by assessing 6 key areas of readiness.
What you’ll learn in this episode:
✅ How current finances affect retirement planning
✅ How to prepare for retirement budgeting and lifestyle
✅ Understanding savings and debt now and in retirement
✅ Grow your knowledge to get ready for retirement
Ready to Get Clear ...
Greg Luken joins me in today’s episode discussing how to become wealthy in life. Sharing what he has learned by working with several individuals who are first generation wealth, Greg has defined three key superpowers as the driver of this wealth.
What you’ll learn in this episode:
✅ How people who didn’t grow up with money built wealth
✅ Financial and emotional challenges on your wealth journey
✅ T...
In this podcast episode, I discuss 3 retirement fears and limiting money beliefs that can keep you stuck with retirement planning. This episode will support you in how to rewrite those beliefs and take control of your finances for a successful retirement.
What you’ll learn in the episode:
✅ Identify what are some limiting beliefs around money that hold you back in retirement planning
✅ Understand commo...
In this episode, Certified Divorce Financial Analyst Melissa Murphy Pavone sheds light on the often-overlooked role of the “non-CFO spouse” during divorce. Melissa shares how her personal story shaped her mission to empower individuals, especially women, who have traditionally managed day-to-day finances but feel lost or excluded when it comes to long-term financial planning. In this discussion, we dive i...
Budgeting for retirement is essential. In this episode, I will share why budgeting is important and how budgeting can help you with retirement planning. It’s time to quit thinking about budgeting as being restrictive but as your key to retirement.
What We’ll Cover:
✅ Why budgeting is important for retirement success
✅ How budgeting works to give you financial clarity
✅ The key elements of a strong retir...
Do you ever wonder Am I ready to retire? or How do I know if I can retire? In this episode, I take you inside a Retirement Ready VIP Session, where I helped a client get clear on her numbers, eased her worries, and provided action steps to move her forward on her retirement planning journey. If you’re ready to retire with confidence, this is for you!
What You’ll Learn:
✅ What Happens in a VIP Sess...
Wondering how much you need to retire? Should you pay off debt before saving? How much should you save each month? In this Q&A episode, I discuss your biggest retirement planning questions to help you gain clarity on your retirement planning journey.
What you’ll learn from the episode:
✔️ How much money do you need to retire?
✔️ Should you pay off debt before saving for retirement?
✔️ How much should...
Inflation isn’t going away, but you can take control of your financial future. In this episode, I’ll specifically share how to protect yourself from inflation. In this episode, I will share two components to help protect you against the rising cost of living and lessen your worry about retirement planning. Learn how to create your own economy so you can navigate rising costs and stay on track for retireme...
Feeling overwhelmed by budgeting, retirement planning, or managing money? In this episode, my guest Jackie Randall Lentz, a former mental health counselor turned life coach, chat about how to self-coach your way to financial confidence. We explore why personal finance is so important, how to plan effectively, and the best personal finance tools to take control of your future.
What You’ll Learn in This...
Do you find yourself asking, Why do I keep spending money? or struggling to control your spending habits? In this episode, I dive into how to improve spending habits by aligning your money with your long-term goals. Learn why self-awareness is important, how to make intentional choices, to create a balance of spending now and preparing for retirement.
What You’ll Learn in This Episode:
✅ How to Improv...
In this episode, I am joined by Joseph Lombardi of Iron Hawk Financial. He shares his personal story to demonstrate why life insurance is important. He also educates us about whole life insurance as an investment, how it works, and the tax advantages. This isn’t a dry conversation about life insurance. Joseph is quite the entertainer!
What you’ll learn in this episode:
✅ Learn about why life insurance...
Feeling overwhelmed about how to improve your finances? In today’s episode, I’m breaking down how to complete a personal finance audit in a simple, actionable way. No complicated spreadsheets are required. This personal finance audit is just one way to not only improve your personal finances but help you get ready for retirement.
What You’ll Learn in This Episode:
🔹 Learn how to categorize and track ...
In this episode, Freddie Rappina, founder of Opta Financial, discusses the difference between two financial strategies: “checkers” and “chess.” He explains how traditional financial planning, which focuses on saving and debt reduction, is like playing checkers, while wealth-building through leveraging debt and investing in cash-flowing assets like real estate is akin to chess.
What You’ll Learn
✅ The ...
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