Wealthy After 40: Retirement Planning and Budgeting for Gen X cover art
Podcast · 85 episodes

Wealthy After 40: Retirement Planning and Budgeting for Gen X, page 2

by Dalene Higgins - Money Coach & Retirement Strategist · English

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 Money Momentum Call at https://www.elevatefinances.us/call to figure out where your money is going and what to focus on next.

All episodes, page 2

The Best Time to Plan for Your Retirement Is Right NowWhy people delay retirement planning (especially in their 40s/50s) and why “start now” matters for clarity, lifestyle design, and manageable money habits—not just saving.19 May 2026 · 18 min · 7 chapters
The Real Reason You Don’t Feel Ready for RetirementWhy retirement feels out of reach for Gen X women/couples in their mid-40s to late-40s (“messy middle”), and how to close three “hidden gaps” that cause stalling: no retirement vision, no trusted…12 May 2026 · 16 min · 6 chapters
5 Pillars to Becoming Truly Retirement Ready“5 Pillars to Becoming Truly Retirement Ready” by Dailene Higgins (Wealthy After 40) explains retirement readiness for Gen X women/couples, arguing many advisors miss “gaps” and that success requires…5 May 2026 · 17 min · 10 chapters
Struggling to Save? Here’s Why Your Money Doesn’t Stay PutThe “yo-yo effect” of saving—money goes into savings but gets pulled back out within 2–3 months—leaving people feeling stuck, not disciplined, and giving up on budgeting.21 Apr 2026 · 16 min · 4 chapters
3 Ways to Make Your Money Feel More In ControlThe episode argues that feeling “out of control” with money isn’t caused by overspending on paper (no credit card balances, bills paid, some retirement savings), but by lacking a clear spending…14 Apr 2026 · 15 min · 4 chapters
You Make Good Money, So Why Do You Feel So Out of Control?Why people who are financially stable still feel “out of control” and guilty about spending, and how the issue may be uncertainty and lack of a clear spending system—not overspending, bad discipline,…7 Apr 2026 · 18 min · 5 chapters
How to Stop Overspending w/Mary Ann StenquistHow to stop emotional overspending by aligning purchases with values, pausing during impulse moments, and identifying the unmet emotional need behind buying.31 Mar 2026 · 31 min · 13 chapters
Stop The Worry With 3 Steps To Better Money DecisionsHow to stop worry and make confident money decisions using a 3-step cycle: clarify goals, build a plan plus a simple system, then review results and adjust.24 Mar 2026 · 15 min · 6 chapters
Why You’re Not Making Progress With Your MoneyThe podcast episode focuses on the financial challenges faced by individuals over 40, especially women and couples.17 Mar 2026 · 16 min · 5 chapters
Why I Broke Up With My Emergency FundWealthy After 40: Personal Finance, Budgeting, Saving, Debt, Financial Foundations10 Mar 2026 · 15 min · 3 chapters
The Missing Piece That Keeps You From Getting Rid of DebtDalene Higgins, Money Coach and Retirement Strategist.3 Mar 2026 · 17 min · 6 chapters
How to Decide What’s Good Debt, Bad Debt, and Right For YouIn this episode, host Dalene Higgins dives into the nature of debt, challenging the traditional views that categorize it as entirely negative.24 Feb 2026 · 18 min · 9 chapters
What To Do When You Are Overwhelmed by Debt After 40In this episode of the *Wealthy After 40* podcast, host Dalene Higgins addresses the feelings of overwhelm that many individuals over 40 experience regarding debt.17 Feb 2026 · 16 min · 7 chapters
The 4 Financial Foundations You Need (+ the Missing Catalyst)In this episode, Dalene Higgins, a money coach and retirement strategist, addresses the financial chaos many Gen X women and couples face while juggling priorities in their 40s and beyond.10 Feb 2026 · 16 min · 7 chapters
How Intentional Decisions Shape Your Retirement DreamWealthy After 40: Personal Finance, Budgeting, Saving, Debt, Financial Foundations3 Feb 2026 · 17 min · 7 chapters
Make Smarter Money Decisions That Support Your RetirementDalene Higgins, a financial coach and retirement strategist.27 Jan 2026 · 18 min · 8 chapters
A Money System For Practical Spending and Stress Free SavingPhase 2 of Dalene Higgins’ “Retirement Ready Framework” focuses on building “money systems” (not willpower) for predictable spending and stress-free saving, including a budget framework, multiple…20 Jan 2026 · 17 min · 9 chapters
The Simple Numbers That Reveal Your Retirement ReadinessPart one of a four-part series on “money reality” for Gen X women/couples preparing for retirement.13 Jan 2026 · 16 min · 9 chapters
How to Go From Money Chaos to Financial Confidence After 40Wealthy After 40: Personal Finance, Budgeting, Saving, Debt, Financial Foundations6 Jan 2026 · 12 min · 5 chapters
Turn Reflection into Action for a Retirement Ready YearA year-end “reflection with purpose” to help Gen X women/couples turn retirement planning into action.30 Dec 2025 · 16 min · 6 chapters
How to Fix Your Budget Problem (It’s Not Discipline)In this episode of "Wealthy After 40," host Dalene Higgins addresses a common misconception among women regarding budgeting and financial discipline.23 Dec 2025 · 15 min
How to Move From Retirement Fear to Retirement ReadyMoving from retirement fear (running out of money, not affording the desired lifestyle, avoiding finances) to “retirement ready” by replacing worry with clarity, measurement, and action.16 Dec 2025 · 17 min · 7 chapters
A Practical Guide To Becoming Retirement Ready in 3 StepsRetirement readiness for Gen X women/couples, framed as clarity, consistency, and a plan (not luck), plus a call to take a “retirement ready quiz” and join a Jan 24, 2026 workshop.9 Dec 2025 · 18 min · 6 chapters
Step One In Retirement Planning For GenXersGen X women/couples’ first steps in retirement planning by reviewing key “numbers” (not just bank balances) and using them to decide how to live on less than you make, manage debt, and plan savings…2 Dec 2025 · 16 min · 7 chapters