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

EPISODE · Sep 2, 2025 · 16 MIN

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

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

[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 current financial reality ✅ Why clarity matters before action ✅ A three point reflection every retirement plan needs✅ Where your first focus should be right now Related Episodes:Ep 66 - Why Budgeting Isn’t Enough And What You're Leaving OutEp 102 - Redefining Your Debt Relationship and Taking Control For RetirementWhat 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/

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[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 current financial reality ✅ Why clarity matters before action ✅ A three point reflection every retirement plan needs ✅ Where your fi...

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

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This episode was published on September 2, 2025.

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