Struggling to Save? Here’s Why Your Money Doesn’t Stay Put episode artwork

EPISODE · Apr 21, 2026 · 15 MIN

Struggling to Save? Here’s Why Your Money Doesn’t Stay Put

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

[Ep 185]If you’re ever paused when moving money to savings because you think, I’ll only have to take it back out soon, this episode is for you.Today, I’m talking about why saving keeps fluctuating and why thinking it should never be touched may be keeping you stuck and discouraged.By the end of this episode, you’ll understand what’s actually normal about savings fluctuating so you can stop feeling like you’re failing and start building confidence in your money system.In this episode, you’ll learn:✅ Why fluctuating savings happens for everyone✅ The biggest mistake people make is declaring their savings as off limits✅ How to start using your savings intentionally instead of emotionally reacting ✅ A simple way to start building savings that works with your spending patternsEpisode Highlights00:00 Why Savings Matters00:36 The Yo-Yo Savings Cycle02:33 The Stories We Tell Ourselves04:19 Why Saving Feels Impossible06:36 Savings Needs Labels09:19 Three Questions to Fix It11:51 How to Build Your Savings SystemGrab a copy of the 7-Day Email Savings Challenge today!Click HERE to read the full show notesWhat 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 Apr 21, 2026

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[Ep 185] If you’re ever paused when moving money to savings because you think, I’ll only have to take it back out soon, this episode is for you. Today, I’m talking about why saving keeps fluctuating and why thinking it should never be touched may be keeping you stuck and discouraged. By the end of this episode, you’ll understand what’s actually normal about savings fluctuating so you can stop feeling like you’re failing and start building confidence in your money system. In this episode, yo...

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Struggling to Save? Here’s Why Your Money Doesn’t Stay Put

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This episode was published on April 21, 2026.

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