Dalene Higgins | Money Coach & Retirement Strategist

Wealthy After 40: Financial Freedom, Retirement Strategy, Saving, Budgeting

🎧 New episodes every Tuesday Welcome to Wealthy After 40, the retirement 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, Money Coach and Retirement Strategist, this show helps you simplify saving for retirement, budgeting for retirement, and creating a personalized retirement plan for you and your life. Whether you’re wondering if you’re behind, trying to catch up, or simply want to feel more confident about your future, each episode delivers practical strategi...

Author

Dalene Higgins | Money Coach & Retirement Strategist

Category

Education

Podcast website

www.elevatefinances.us

Latest episode

Jul 7, 2026

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Episodes

What Should You Focus on First: Debt, Savings, or Cutting Expenses? 02.09.2025

What is your biggest challenge/problem with money? [Ep 145]  Clarity with where your money is going today is essential to you achieving your retirement goal. If you are worried about how to reach retirement or how to save enough money this episode will help you understand if you should be reducing expenses, paying off debt, or doubling down on savings. What you’ll learn: ✅ How to evaluate your cu...

Why Comparing Your Finances Is Keeping You Stuck 29.08.2025

What is your biggest challenge/problem with money? [Ep 144] Ever feel like you’re falling behind financially no matter how hard you work or how much you accomplish? In this episode, I’m sharing the story of a client who went from stuck in comparison mode to building real confidence and momentum with her money. She was running a thriving business, yet felt like a failure because she kept measuring...

How Can You Budget Better? Stop Fighting Your Money System 26.08.2025

What is your biggest challenge/problem with money? [Ep 143] If you’ve ever thought, “What’s wrong with me? Why can’t I figure this money thing out?”  Inside this episode, I dive into why smart, capable women still feel stuck, stressed about money, and behind when it comes to budgeting and saving. Spoiler: It’s not about more discipline or more knowledge, it’s about finding a budgeting system that...

Worried About Retirement? The One Step To Change Everything 22.08.2025

What is your biggest challenge/problem with money? [Ep 142] You’re worried about retirement but yet you haven’t changed what you’re doing with your money. Are you hoping your retirement will magically work out, even though you don’t use a budget and you have no idea where your money’s going?  In this episode, I’m calling out the real reason you’re stuck and the one step that can change everything....

5 Tips for Saving for Retirement Without Sacrificing Joy 19.08.2025

What is your biggest challenge/problem with money? [Ep 141]  If saving for retirement feels like one big question mark, this episode is for you. In this episode, I am sharing 5 tips for saving for retirement specifically to help you save more. So if you’re looking for ways on how to save enough for retirement, these tips are for you. Some might sound familiar, but I promise a few will surprise you...

Starting Late? Here’s How to Save for Retirement at 40 15.08.2025

What is your biggest challenge/problem with money? [Ep 140] Feeling like you’re late to the savings game? I promise, it’s not too late.  This episode is all about how to start saving for retirement. Whether you’ve saved a little or not at all, we’re going back to the basics so you can consistently save for retirement at 40.  What You’ll Learn: ✅ Why saving for retirement at 40 (or even 50) is sti...

4 Things To Know About Retirement Planning 12.08.2025

What is your biggest challenge/problem with money? [Ep 139] Are you doing enough for retirement? You may be thinking, how do I start my retirement process. Retirement isn’t just about saving money there’s definitely some other things to know about retirement. In this episode, I share with you four (4) things you need to know about retirement planning that go beyond just contributing to your 401(k)...

How to Improve Your Relationship With Money in 4 Steps 08.08.2025

What is your biggest challenge/problem with money? [Ep 138] Why am I bad with money? If you’ve ever asked yourself that question or told yourself “I’m just bad with money”, this episode is for you.  The truth: it’s not a lack of tools or knowledge that keeps you stuck. More often, it’s shame. And that shame keeps you frozen, second-guessing every decision and avoiding the very habits that could he...

How to Stop Overspending Money When Tracking Isn’t Enough 05.08.2025

What is your biggest challenge/problem with money? [Ep 137] How do you stop overspending money even when you’re tracking and knowing where your money is going? Control happens at the decision-making stage not when you review your expenses and “see your overspending”.  This episode will help you understand why knowing where your money goes isn’t the same as being in control and what you should do i...

How to Invest for Retirement (After You Do This First) 01.08.2025

What is your biggest challenge/problem with money? [Ep 136] Thinking about investing for retirement? Don’t skip the most important first step. Before you put money in the market, you need a plan that protects your future and your peace of mind. If you’re wondering how to invest for retirement or where to start investing with little money, this episode will guide you through the three smart steps t...

Saving for Retirement at 40? Budgeting Isn’t Enough 29.07.2025

What is your biggest challenge/problem with money? [Ep 135] If you feel like you’re late to the retirement game and don’t have much saved… you’re not alone. But here’s the truth. This isn’t just about balancing bills and savings anymore. You’re on a mission and every dollar you spend (or save) matters. The solution isn’t another tight budget. It’s clarity, alignment, and strategy. In This Episode,...

How to Start a Side Hustle To Make Money w/Chloe Winstanley 25.07.2025

What is your biggest challenge/problem with money? [Ep 134] If you’ve ever thought, “I need a side hustle” or “What side hustle can I do?”, this episode is packed with inspiration and practical advice. My guest, Chloe Winstanley, shares how she turned her passion for crafting into a successful side business. What started as selling polymer clay earrings online during the pandemic has now grown int...

How to Build a Budget You Can Stick to Long Term 22.07.2025

What is your biggest challenge/problem with money? [Ep 133]  You’re trying your best to budget, but every month you overspend at least one category, right? But let me ask you, did you create your budget with a crystal ball? If you’ve ever given up on budgeting because “it never goes to plan,” this one’s for you.  In this episode, I’m sharing 3 powerful mindset shifts and practical steps that will...

How to Spend Wisely and Save Money For Retirement 18.07.2025

What is your biggest challenge/problem with money? [Ep 132]  Have you ever felt guilty for spending money on something you love because you think it’s keeping you from being successful with money? It’s not about how to spend less and save more, but how to spend money without guilt. Here’s what you’ll learn:  ✅ Why skipping the $5 coffee isn’t the answer and what actually helps you save money for...

What If One Thing Is Holding You Back from Retirement? 15.07.2025

What is your biggest challenge/problem with money? [Ep 131] Feeling overwhelmed by everything you think you need to do before you retire? In this episode, I’m helping you calm that retirement anxiety by narrowing your focus. Instead of juggling a long list of to-dos, I’ll show you how choosing just one thing, like paying off your mortgage, can create momentum. If anxiety about retirement is keepin...

The Beat of Personal Finance with Drew Boyer 11.07.2025

What is your biggest challenge/problem with money? [Ep 130] In this episode, Drew Boyer, a CFP, shares his journey in the financial industry, the inspiration behind his book 'Hip Hop X Finance,' and practical advice for managing personal finances. Topics Covered In The Podcast: ✅ The Inspiration Behind 'Hip Hop x Finance' ✅ Financial Lessons from Hip Hop ✅ Drew's Person...

Can We Retire Sooner Than Planned? 08.07.2025

What is your biggest challenge/problem with money? [Ep 129]  What if your spouse, or even you, wants to retire sooner than planned?  In this episode, I’m walking you through what to consider before saying yes to early retirement and how to start running the numbers. If you’ve ever asked yourself, “How do I know if I can retire?”, you’re in the right place.  In this episode, you’ll learn: ✅ 3 ques...

You’ve Been Told to Save for Retirement...Now What? 04.07.2025

What is your biggest challenge/problem with money? [Ep 128]  You’ve been told to save for retirement and then just retire. But what about everything in between? What should you be doing now to make sure retirement actually happens? In this episode, I’ll share 3 steps to start your retirement planning process today. In this episode, you’ll learn: ✅ What is retirement planning  ✅ How to get clear...

How to Overcome Retirement Doubts and Feel Ready to Retire 01.07.2025

What is your biggest challenge/problem with money? [Ep 127] You want to retire, but the more you think about it, the more worried you become. Some days, you find yourself doubting retirement altogether. In this episode, I share why I stand by the belief that if you believe you can, you will . This episode will help you get unstuck and find a way to take action.  In this episode, you’ll learn: ✅Wh...

The #1 Thing Sabotaging Your Savings (and How to Fix It) 24.06.2025

What is your biggest challenge/problem with money? [Ep 126]  Tired of surprise expenses stealing your savings? Learn how the sinking fund approach can protect your savings and get you back on track for retirement. Increasing your financial stability is key to reaching financial freedom. What You’ll Learn in This Episode: •Why unexpected expenses are the biggest stumbling block to retirement •How t...

What If You’re Closer to Retirement Than You Think? 17.06.2025

What is your biggest challenge/problem with money? [Ep 125]  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...

How to Budget for Retirement Without Sacrifices 10.06.2025

What is your biggest challenge/problem with money? [Ep 124] 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...

5 Must-Do Steps If You Feel Behind on Retirement Planning 03.06.2025

What is your biggest challenge/problem with money? [Ep 123]  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 Lear...

Why the Importance of Saving Money Can’t Be Ignored 27.05.2025

What is your biggest challenge/problem with money? [Ep 122] 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 imp...

How Do I Know If I Can Retire? A 6-Point Readiness Check 23.05.2025

What is your biggest challenge/problem with money? [Ep 119] 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...

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