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 4

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 4

Starting Late? Here’s How to Save for Retirement at 40How Gen X women/couples over 40 can start saving for retirement (and any goal) using “four S’s” to build consistency: get serious, start small, save with style, and use a system (budget line for…15 Aug 2025 · 14 min · 7 chapters
4 Things To Know About Retirement PlanningRetirement planning beyond 401(k) contributions—start early, define a retirement vision, align spending with values, budget to estimate a financial independence (FI) number, and treat retirement as a…12 Aug 2025 · 14 min · 8 chapters
How to Improve Your Relationship With Money in 4 StepsHow to improve your relationship with money by addressing financial shame and guilt (not spreadsheets).8 Aug 2025 · 18 min · 11 chapters
How to Stop Overspending Money When Tracking Isn’t EnoughExplains why tracking isn’t enough to stop “overspending,” arguing control must happen at the decision stage when opportunities arise (e.g., deals, stock-ups, kids’/personal learning).5 Aug 2025 · 15 min · 7 chapters
How to Invest for Retirement (After You Do This First)Why investing shouldn’t be the first retirement step when you’re living paycheck to paycheck, and the three-step order to start investing safely.1 Aug 2025 · 15 min · 5 chapters
Saving for Retirement at 40? Budgeting Isn’t EnoughHow to catch up on retirement savings at 40+ using “aligned money” clarity, not just budgeting—by identifying discretionary spending and redirecting it to emergency and retirement goals.29 Jul 2025 · 16 min · 6 chapters
How to Start a Side Hustle To Make Money w/Chloe WinstanleyStarting and growing a side hustle through creative workshops (polymer clay earrings), plus how to choose craft fairs and avoid common pitfalls while building income for earlier retirement.25 Jul 2025 · 22 min · 8 chapters
How to Build a Budget You Can Stick to Long TermHow to build a long-term budget you can stick to by using mindset shifts and practical adjustments instead of aiming for perfection.22 Jul 2025 · 18 min · 6 chapters
How to Spend Wisely and Save Money For RetirementHow to enjoy spending without guilt while still saving enough for retirement; replace “discipline” with a spending framework tied to values.18 Jul 2025 · 18 min · 5 chapters
What If One Thing Is Holding You Back from Retirement?The episode argues that retirement planning feels overwhelming because people try to solve “all the things” at once.15 Jul 2025 · 14 min · 4 chapters
The Beat of Personal Finance with Drew BoyerPersonal finance for Gen X—why debt and investing don’t improve overnight, how to stop “digging” out of trouble, and how to build long-term wealth using boring basics like index investing and…11 Jul 2025 · 22 min · 17 chapters
Can We Retire Sooner Than Planned?Whether Gen X women/couples can retire sooner than planned, especially when one spouse is emotionally/physically done with a job, and how to determine affordability by calculating the true retirement…8 Jul 2025 · 16 min · 10 chapters
You’ve Been Told to Save for Retirement...Now What?The After 40 podcast episode explains that “save for retirement and retire” is an incomplete plan, creating confusion about what to do now while retirement savings grow.4 Jul 2025 · 14 min · 6 chapters