Retire Confidently With a Money System That Works episode artwork

EPISODE · Jul 21, 2026 · 16 MIN

Retire Confidently With a Money System That Works

from Wealthy After 40: Retirement Ready, Financial Freedom, Budgeting, Saving, Debt · host Dalene Higgins - Money Coach

[Ep 197]If you have a budgeting app, a spreadsheet, or both, and you still can’t tell whether you’re making progress toward retirement, you are missing a money system. A tracker shows you what already happened. A money system for retirement guides your money from deposit to goal so you can plan for what is coming, not just record what is left.This episode covers the difference between a budget app and a money system, the three things your system should tell you every payday, and how clients saved $11,000 in 90 days or paid off $5,000 in debt while saving $2,500 in the same window.If you’re done tracking spending in circles and want their money organized around where they are going, this one is for you.Book your Roadmap to Retirement Call below to see what is missing from your setup.02:41 - App Versus Money System04:28 - Planning For The Unexpected08:08 - Client Wins In 90 Days11:00 - Three Things Your System Tells You12:21 - Build Retirement On PurposeCheck out the show notes and other resources at https://www.elevatefinances.us/blog/are-you-budgeting-for-retirement-or-just-tracking-your-spendingWhat topic or question would you love answered on the podcast?Not sure what you need to do to make retirement happen? Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.Looking to learn more about being retirement ready?Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.Connect with meFacebook:  https://www.facebook.com/dalene.higgins/

Episode metadata supplied by the publisher feed · Published Jul 21, 2026

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[Ep 197] If you have a budgeting app, a spreadsheet, or both, and you still can’t tell whether you’re making progress toward retirement, you are missing a money system. A tracker shows you what already happened. A money system for retirement guides your money from deposit to goal so you can plan for what is coming, not just record what is left. This episode covers the difference between a budget app and a money system, the three things your system should tell you every payday, and how clients...

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Retire Confidently With a Money System That Works

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This episode was published on July 21, 2026.

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