Wealthy After 40: Retirement Ready, Financial Freedom, Budgeting, Saving, Debt

[Ep 205]You've made the decision to finally get serious about budgeting and tracking for retirement. You know tracking is something you should be doing, yet being consistent is where you fall short.Inside this episode, I share 3 reasons your tracking is inconsistent, and they're probably not what you think. And then I help you find a solution with 3 shifts that make tracking easier, without adding more time or stress to your day.If you're ready for a system that supports your goals instead of working against you, book a money clarity call and we'll talk about where your money is going and how you can track it better.Episode Highlights00:00 Why Your Tracking Efforts Fais03:00 Reason One - The Perfection Trap07:16 Fix Two - Allow Broader CategoriesFull Show Notes HEREWhat 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/

[Ep 204]Gen X, when you think about retirement, the excitement fades fast once you remember everything you still need and want to do before then. Your retirement mindset immediately gets stuck in "I can't do it all," and that thinking is exactly what keeps you frozen instead of moving forward.Inside this episode, I share why that overwhelm shows up in the first place and how knowing your numbers can help you shift from feeling to facts. If you're ready to stop guessing and start moving toward your goals, book a money clarity call where we'll dive into where your money is going and how a system can help you reach your goals.Episode Highlights00:29 Break All Or Nothing Mindset04:27 Evaluate And Know Your Numbers09:59 Prioritize Your Goals For ActionFull Show Notes HEREWhat 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/

[Ep 203]You’re paying off debt to get retirement ready. The extra you are able to pay each month is making a difference, but occasionally you still find yourself adding to the balance instead of paying it down.In this episode, I share how debt competes with your ability to save for retirement, three risks debt poses to your retirement, and how to break the cycle of relying on credit cards to cover expenses.If you're being responsible with your money but still find yourself adding to the credit card balance more often than you'd like, this episode is for you.Episode Highlights00:00 Debt Cycle Stress03:53 Three Retirement Ready Risks08:41 Build A Cash Flow Management System09:32 Break the Cycle of Credit Card RelianceRelated Episode(s): Episode 182Read full show notes HEREBook your free money clarity call to get a clear plan for tackling debt and getting retirement ready.What 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/

[Ep 202]Your retirement health might be the single biggest wildcard in your plan, and most pre-retirees are quietly terrified it'll drain everything they've worked for. So what actually protects you here: more savings, better habits, or something you haven't thought of yet? In this episode, I’m joined by Jenny Smith, and we break down how to protect your health, the habits to start now (before you need them), and why stress might be damaging your nest egg more than you realize.Episode Highlights[02:10] Protect Your Retirement Health [05:00] Why Prevention Matters[10:20] High Impact Health Habits[20:10] Save Money With Meal Planning & Prep[27:00] Quick Stress Reduction PracticesConnect with Guest Jenny Smith:WebsiteInstagramDownload her Protein GuideFull show notes can be found HEREWhat topic or question would you love answered on the podcast?Register at elevatefinances.us/webinar to start your journey to retire in 5 years. 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/

The quiet excuse underneath all the others. In this mini episode, Dalene shows what "later" actually means and what to do instead.Are You On Track To Retire?5-day event to get you on track to retire in 5 yearsRegister today to begin creating your roadmap to 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/

Organizing your money and building a retirement plan aren't the same thing. In this mini episode, Dalene explains the difference and why one of them keeps you stuck. Are You On Track To Retire?5-day event to get you on track to retire in 5 yearsRegister today to begin creating your roadmap to 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/

Saving is only one piece of the puzzle and it's usually not the one with the most room to move. In this mini episode, Dalene shares what else you can control to boost your savings.Are You On Track To Retire?5-day event to get you on track to retire in 5 yearsRegister today to begin creating your roadmap to retirement What 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/

Why you feel overwhelmed and what to do instead. Overwhelmed isn't the same as stuck. In this mini episode, Dalene walks you through what you should do to start taking action.Are You On Track To Retire?5-day event to get you on track to retire in 5 yearsRegister today to begin creating your roadmap to 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/

You're not behind! You just don't have a plan yet. In this episode, Dalene breaks down why "behind" is a feeling, not a fact, and what it actually takes to close the gap. Are You On Track To Retire?5-day event to get you on track to retire in 5 yearsRegister today to begin creating your roadmap to 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/

[Ep 201]Budgeting for retirement can feel impossible when you’re already watching every dollar. You’ve cut back on eating out, you’re not shopping as much, and you still wonder, Where am I supposed to find extra money to save for retirement?If you keep waiting for “extra money” to save for retirement, you may be missing opportunities you have right now. In this episode, we’ll shift how you think about “extra” money and uncover where your savings potential may already exist without simply telling you to cut more from your life.If you’re a Gen Xer who wants to save more for retirement and you’re tired of waiting, book Your Retirement Strategy Session now.Episode Highlights00:00 Stop Waiting to Save for Retirement at 4003:52 How to Budget to Find Savings04:46 A Real Client's Savings Wins07:13 Find Savings Within Your Expenses09:43 Shift Your Retirement Mindset For Potential SavingsRead Full Show Notes HEREWhat 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/

[Ep 200]If you've ever thought retirement planning was complicated or overwhelming, this episode is for you.In this episode, I'm sharing the five essential elements of the retirement planning process that will help you stop guessing and start making confident retirement decisions. By the end of this episode, you'll learn how to use your numbers to create a simple plan, identify your biggest retirement gap, and know exactly where to take action first.Episode Highlights00:00 Retirement Plan Overview01:30 Start With Your Retirement Vision03:16 Find Your Retirement Number04:54 Budget As The System06:14 Pick One Retirement Action07:51 Build A Quarterly Rhythm11:18 Episode 200 GiveawayFull Show Notes HEREWhat 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/

[Ep 199]When you ask, "How much do I need to retire?" you're asking the wrong question first.In this episode, I'm sharing why retirement isn't one big decision, it's hundreds of small decisions that shape your future. Instead of chasing one magic number, you'll learn why the better question to ask is, "What kind of retirement do I want?" From there, every financial decision becomes clearer.By the end of this episode, you'll understand how gathering the right information, not searching for one perfect answer, helps you make confident retirement decisions, create a realistic plan, and move closer to the retirement you actually want.In this episode you’ll learn:Why retirement feels so confusing even when you're consistently saving. (Ep 193 - Why Your Retirement Number Should Be Personalized dives deeper into this concept.)The biggest mistake people make when planning for retirement that may be keeping you stuck in overthinking and not taking action.How to identify the next financial decision that will move you closer to retirement.A simple way to start creating a retirement plan by focusing on your vision before your numbers.Episode Highlights00:00 Retirement Is Many Decisions03:44 Start With Retirement Clarity04:16 Steps To Retirement Planning06:56 Five Retirement Actions10:00 The Only Big Retirement Decision12:01 How To Take ActionLink to full show notes HEREWhat 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/

[Ep 198]Worried that travel in retirement will either drain your savings or shrink your adventure list to the same beach every year? You can see the world on a budget that fits a real retirement plan, and this episode shows Gen X women and couples exactly how it works.Jillian Sidoti, a former attorney and co-founder of Last Life Ever, walks through how to travel cheaply in retirement without giving up the trips that actually matter. She shares the credit card points strategy that has covered hotels in Dubai and Tanzania, the cheap destinations where your dollar goes the furthest (Vietnam, Bali, Egypt, Tanzania), why booking during off-peak weeks changes the whole experience, and how to find real adventure close to home when a transatlantic flight is off the table.If you're a GenXer who wants travel to be part of your retirement plan instead of a maybe-someday line item, this one is for you.Grab Jillian's trip details and connect with her in the show notes.01:54 - From attorney to travel entrepreneur07:15 - First steps when you dream of traveling more12:02 - Credit card points made simple16:35 - Adventure close to home21:24 - Inside the Dominican Republic and Egypt trips24:55 - Start small, make it extraordinaryConnect with Jillian Ivey SidotiWebsite InstagramTiktokFacebookCheck out the show notes and other resources at https://www.elevatefinances.us/blog/how-to-travel-cheap-in-retirementWhat topic or question would you love answered on the podcast?Register at elevatefinances.us/webinar to start your journey to retire in 5 years. 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/

[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/

[Ep 196]If you know when you want to retire but the years between now and then feel like a blur, this episode gives you a way to see the whole path. You'll learn how to map out what actually happens between here and retirement so the uncertainty stops running the show.I walk through why knowing your starting point and your retirement goal isn't enough, and what to do about the middle stretch most people skip. You'll hear the questions that turn a blank 10 or 15 year window into a real plan, including how to think about a home purchase, college support, a remodel, a second home, or the family vacation you don't want to miss. I also cover the one thing not to worry about yet (whether you can afford it all) and why that question comes later.Join the free monthly training, From Guessing to Knowing Your Retirement Diagnosis, at elevatefinances.us/webinar to see whether your current money system is working for your future or keeping you busy.03:27 - The client story that started this episode05:15 - Question 1: What lifestyle are you actually maintaining06:55 - Mapping the 5, 10, 15 year stretch08:15 - College, second homes, remodels, and family trips10:34 - Why "I can't afford this" is the wrong question right nowCheck out the show notes and other resources at https://www.elevatefinances.us/blog/4-things-to-consider-when-preparing-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/

[Ep 195]If you have savings and still feel a low hum of financial stress every payday, this episode names what you've been experiencing. You'll learn how to move from that constant worry into clarity about your money and your path to retirement.I cover the four signs of quiet financial stress most GenXers miss and why they keep showing up even when your bank account looks healthy. You'll also hear what a money system looks like once you stop blaming yourself for the flip-flop between spending and restriction, the guilt after every purchase, and the paycheck-to-paycheck feeling that shows up even with savings in the bank.Join the free training, From Guessing to Knowing Your Retirement Diagnosis, on July 21st at elevatefinances.us/webinar to learn what actually closes the gap between doing your best and being on track.02:40 - Sign 1: Spending And Restriction Flip06:13 - Sign 3: Paycheck Worry Without Being Broke09:16 - Why These Signs Keep Showing UpCheck out the show notes and other resources at https://www.elevatefinances.us/blog/the-quiet-stress-thats-sabotaging-your-retirement-planWhat 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/

[Ep 194]In this episode you’ll learn:• Why retirement fear happens even when you’re financially stable• The biggest mistake people make when planning for retirement• How to identify the three numbers that create confidence in your retirement plan• A simple way to take action over the next 90 days and start making measurable retirement progressEpisode Highlights00:00 Retirement Fear Anchor01:07 Budget Is Your Plan02:08 Why Tracking Certain Expenses Matters03:57 Cost of Reality07:49 Bank Account Budget Method Trap10:31 Tracking Is Not Restriction11:18 Three Key Metrics12:00 Know Your Current Expenses13:12 Know Your Retirement Savings Rate 14:00 Debt Pay Off Desire 18:16 How To Track For Retirement SuccessFull Show Notes HEREWhat 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/

[Ep 193]In this episode you’ll learn:✅ Why so many Gen Xers feel uncertain about retirement despite years of saving.✅ The biggest mistake people make when trying to figure out if they’re on track for retirement.✅ How to use your current spending to create a personalized retirement plan.✅ A simple way to start replacing retirement anxiety with clarity and confidence.Episode Highlights00:54 Why Saving Feels Scary02:03 Generic Advice Fails04:13 Options From Knowing Numbers05:31 Self-Knowledge Advantage06:38 Progress Builds Belief07:27 Start With Expenses09:52 Stop Searching Act Now12:21 Build Retirement On PurposeRead the full show notes HEREWhat 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/

[Ep 192]In this episode you’ll learn:• Why so many Gen Xers believe they’re behind on retirement and why that isn’t necessarily true• The biggest mistake people make when trying to plan for their retirement• How to create a simple retirement plan based on your actual progress• A simple way to develop a healthier retirement mindset so you can stop guessing and start moving forward with confidenceEpisode Highlights00:00 Retirement Mindset Reset01:12 Start With a Plan03:18 Assess Your Progress04:35 Fear vs Knowledge 07:59 Debt and Retirement Strategy11:01 Ditch the Have Tos11:55 Clarify Your Real GoalRegister for the Retirement Ready Workshop coming up June 27thRead the full show notes HEREWhat 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/

[Ep 191]If you’ve ever wondered whether all the saving and planning you’re doing is going to be enough, this episode is for you.In this episode, I’ll be sharing how to measure your retirement progress and how to make progress to retirement.By the end of this episode, you’ll understand the three retirement levers that influence your readiness so you can identify your next best step and move forward with confidence.In this episode you’ll learn:✅ Why so many people feel behind on retirement, regardless of how much they’ve saved✅ The biggest mistake people make when using retirement calculators and online tools✅ How to use the three retirement levers to close your retirement gap✅ A simple way to start taking control of your retirement timelineEpisode Highlights00:00 Will I Have Enough01:56 Why Saving Alone Fails04:45 Tripod Retirement Levers05:16 Lever One Savings06:40 Lever Two Debt09:10 Lever Three Expenses10:55 Lifestyle And Spending Mindset13:51 Review And Weekly Actions17:14 Final TakeawaysFull Show Notes HEREJoin the Retirement Ready Workshop. Use code JUNE to save $10 before June 14th.What 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/

[Ep 190]If you’ve ever wondered “Am I on track for retirement?” or “How much money do I actually need to retire?”, this episode is for you.In this episode, I’m talking about how to determine whether you’re on track for retirement and why relying on generic retirement numbers and calculators may be keeping you from making the progress and decisions you need to feel confident about your future.By the end of this episode, you’ll understand the three simple numbers you need to calculate your personal retirement target—your timeline, your annual spending, and your retirement number so you can stop guessing, gain clarity, and create a realistic retirement plan based on your actual lifestyle.In this episode you’ll learn:✅ Why retirement feels overwhelming and difficult to plan for✅ The biggest mistake people make when estimating their retirement savings needs✅ How to determine whether you’re on track for retirement using three simple numbers✅ A simple way to start building a realistic retirement target based on your actual lifestyle and spendingEpisode Highlights00:00 Retirement Enough Question01:09 Three Things To Check01:22 Pick Your Timeline03:57 Know Your Living Costs07:14 Rule Of 25 Formula09:05 Adjusting Your Target10:10 Workshop And Next StepsFull Show Notes HEREDon't want to do the math yourself? My Retirement Calculator does the heavy lifting for you, applying the concepts I cover in this episode to help you estimate your retirement number and see where to focus next.Schedule your 90-Minute Retirement Strategy Session. We’ll determine your retirement number, assess whether you’re on track, identify opportunities to close the gap, and create an action plan tailored to your goals and timeline. What 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/

[Ep 189]If you’ve thought, how am I going to continue to afford these grocery prices, this episode is for you.Today’s guest, Andy Ellwood, founder of Stretch Groceries, is sharing how this new and evolving AI app can support you in getting the best deal with your groceries.By the end of this episode, you’ll understand better what this app can do for you, what it plans to do by end of summer, and how to submit your own ideas.Episode Highlights00:00 Meet Stretch Founder00:25 Why Grocery Prices02:12 How Stretch Works04:12 Personalized Smart Lists07:10 Diet Toggles Roadmap08:47 Privacy And Security09:45 Location And Drive Tradeoffs11:44 Food Access Mission15:19 Budgeting And Nutrition17:26 Download And First Steps18:58 Pickup Delivery Plans19:20 Future AI Companion21:32 Favorite Feedback And WrapConnect with Andy:https://stretchgroceries.com/https://www.instagram.com/andyellwood/Download the app:https://stretchgroceries.com/Read the full interview HEREWhat topic or question would you love answered on the podcast?Register at elevatefinances.us/webinar to start your journey to retire in 5 years. 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/

[Ep 188]If you’ve ever asked yourself how to plan for your retirement or where to even begin, this episode will help you get started!Today we’re talking about retirement planning and why most people focus only on saving money instead of building a financial life that supports the retirement you want.By the end of this episode, you’ll understand why retirement readiness starts with awareness and intentional decisions so you can take control of your money and make retirement successful.In this episode you’ll learn:• Why retirement planning feels overwhelming and unclear for so many people• The biggest mistake people make when planning for retirement after 40• How to start connecting your current spending and saving habits to your future retirement lifestyle• Two action steps to help you start your retirement planningEpisode Highlights00:00 Why We Procrastinate03:52 Why Start Now05:22 A Personal Wake Up08:38 Retirement Beyond Saving11:57 Everyday Money Decisions14:49 Two Simple Action Steps16:24 Let’s Make It HappenRead full show notes HERE!👉 Join the Accelerate Your Retirement Challenge: 3 Steps To Get You StartedWhat 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/

[Ep 187]If you’ve ever wondered why retirement still feels so far away and know you should be thinking about it, this episode is for you.Today I’m talking about the real reason so many people don’t feel ready for retirement and why waiting until “later” to figure it out may be the very thing keeping you stuck.By the end of this episode, you’ll understand the three hidden gaps that make retirement feel overwhelming and out of reach, so you can start creating clarity, confidence, and a realistic path toward the future you actually want.In this episode you’ll learn:✅ Why retirement still feels far away for so many people in their 40s and 50s✅ The biggest mistake people make when planning for retirement✅ How to start connecting your current spending and financial decisions to your future retirement goals✅ A simple way to start creating clarity and confidence around retirement planningEpisode Highlights00:00 Why Retirement Feels Far00:32 Stuck in the Messy Middle01:52 Name the Feeling Block03:16 Gap One Retirement Vision05:49 Gap Two Know Your Number08:14 Gap Three Build a System12:32 One Gap One Next StepJoin the Accelerate Your Retirement Challenge HERE. Challenge starts June 2, 2026!Link to full blog post HERE.What 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/

[Ep 186]If you’ve ever wondered why retirement still feels out of reach, even though you’re saving and doing all the “right” things, this episode is for you.Today we’re talking about what it really means to be retirement ready and why focusing only on savings or a generic retirement number may be keeping you stuck.By the end of this episode, you’ll understand the 5 essential pillars of retirement readiness (beyond just the numbers) so you can create clarity, feel confident in your plan, and start making decisions that move you closer to the retirement you want.In this episode you’ll learn:* Why having a clear retirement vision changes everything* How to understand your cash flow reality without feeling restricted* What your retirement number really means (and why generic advice doesn’t work)* How to identify and close your retirement gap with simple, doable steps* The powerful role of belief and decision-making in creating your futureEpisode Highlights01:02 Five Pillars Overview02:12 Pillar 1 Retirement Vision03:49 Pillar 2 Cash Flow Reality05:54 Pillar 3 Your Retirement Number07:24 Pillar 4 Close the Gap09:45 Pillar 5 Believe It’s Possible12:36 Recap and Next StepsJoin the Accelerate Your Retirement: 3 Steps To Get You Started, free challenge June 2-4, 2026. Join Today!What 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/

[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/

[Ep 184]If you’ve ever wondered why you feel out of control with your money even when you’re paying bills, saving for retirement, and carrying no balance on credit cards, this episode is for you.Today I’m talking about why spending too much isn’t really the problem and why thinking you just need a stricter budget or more discipline may be keeping you stuck.By the end of this episode, you’ll understand how a clear money system, built with visibility, structure, and intention, creates calm, clarity, and confidence so you can take control of your spending.In this episode you’ll learn:✅ Why does feeling out of control with your money happen even when bills are paid and saving is on track✅ The biggest mistake people make when they try to fix spending stress is by being more stricter or thinking they need more discipline✅ How to build a money system that provides calm with visibility, structure, and intention✅ A simple way to start feeling confident and in control of your financial decisionsEpisode Highlights00:00 Overspending vs Unease00:54 Why It Feels Out of Control03:18 Systems Beat Discipline06:28 Three System Essentials06:36 Visibility Made Simple07:21 Structure That Supports With Intention12:21 Clarity Over RestrictionBlog Post: 3 Ways to Make Your Money Feel More In ControlRelated Episode:A Money System For Practical Spending and Stress Free SavingWhat 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/

[Ep 183]If you’ve ever wondered why money feels so out of control, even when you make good money, this episode is for you.Today I’m talking about why your money can look fine on paper but still feel out of control and why it’s not actually about needing more discipline or a stricter budget.By the end of this episode, you’ll understand what’s really causing that disconnect so you can start feeling more confident and at ease with your spending.In this episode, you’ll learn:✅ Why your money can look good on paper but still feel out of control✅ The biggest mistake people make when they assume they need a better budget to fix it✅ How to identify what’s actually missing in your current approach to money✅ A simple way to start creating more structure and clarity so you feel in controlEpisode Highlights00:00 Feeling Out of Control02:43 Blaming Discipline04:26 Stable Yet Unsettled06:12 Guilt After Spending09:02 Not Really Overspending13:57 Organize Money, Not Cut14:52 Next StepsLink to full blog postWhat 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/

[Ep 182] If you’ve ever wondered if you have an overspending problem and think you need help, this episode is for you.Today’s guest, Mary Ann Stenquist, is a spending coach and personally knows the challenges of overspending. Sharing her personal story as well as ways for you to begin thinking differently about your next purchase, so you can begin taking action to spend less. In this episode, you’ll learn:Why overspending happens and how to identify itThat budgeting and budgeting better is not a great solutionHow to use the power of pause before each purchaseA simple way to start becoming unshoppableEpisode Highlights02:32 Budgeting Is Not Enough04:51 Power Of The Pause07:19 Try Before You Buy10:30 Guilt Shame Reframe14:51 Who Overspends And Why17:53 Unmet Needs And Maslow20:46 First Steps With ValuesConnect with Mary Ann StenquistWebsiteBecome Unshoppable Facebook GroupFree Clarity CallFree Spending Types QuizWorkshop WaitlistWhat topic or question would you love answered on the podcast?Register at elevatefinances.us/webinar to start your journey to retire in 5 years. 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/

[Ep 181] If you’ve ever contemplated your next money decision and not taken action because you were afraid you would mess things up, this episode is for you. Today I’m talking about making confident financial decisions and why not taking action will keep you from making the progress you want. I’ll discuss three steps to help you start taking action and limit the fear of making a mistake. By the end of this episode, you’ll know that messes are not going to happen, but mistakes will, and how to use those mistakes to help you be successful and more confident with your money decisions.In this episode you’ll learn:✅ Why the fear of messing up and staying stuck is common for many individuals✅ The biggest mistake people make when trying to make decisions with their money✅ How to build trust in yourself and make better money decisions ✅ The three step framework to help you build financial confidenceEpisode Highlights00:00 Why Money Feels Hard01:05 The Confidence Gap02:40 Fear of Messing Up05:04 Three-Step Framework10:09 Build Momentum Over Time13:00 Final TakeawaysWhat 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/

[Ep 180]If you’ve ever wondered why you’re not making progress with money or think you’re bad with money, this episode is for you.In this episode, I talk about how managing money is different as you get older, specifically for those individuals over 40 and 50, and this may be keeping you from making progress with your money. By the end of the episode, you’ll understand why multiple priorities are distracting and how to find the one thing that will give you the greatest momentum with your money.  In this episode, you’ll learn:✅ Why struggling with money happens for so many women and couples over 40✅ The biggest mistake people make when trying to take action and make progress to retirement✅ How to start defining that one action step for the greatest momentum✅ A simple way to begin making progress on your retirement journeyEpisode Highlights:00:00 Why You Feel Stuck02:33 Accumulation Habits04:25 Old Habits Stall Progress08:22 Scenarios to Find Focus10:09 Map the Path and Detours11:56 What Winning Looks Like13:27 Reassess and Build New HabitsWhat 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/

[Ep 179]Most advice says your emergency fund should cover 3–6 months of expenses, but what if that definition is actually what’s keeping you stuck?In this episode, I share a personal turning point in my money journey and ultimately why I broke up with the traditional emergency fund. Not because emergency funds don’t matter, but because how we define them matters more.You’ll learn how redefining your savings can help you stay consistent, make clearer decisions, and avoid debt without relying on perfect discipline. This episode isn’t just about emergency funds,  it’s about permitting yourself to personalize financial advice so your money aligns and supports you.What You’ll Learn✅ Why the standard emergency fund advice didn’t work for me✅ The hidden problem with saving only for job loss✅ How to rethink emergencies in a way that fits your real life✅ Why undefined savings leaves you stressed✅ How specific savings categories make it easier to stay consistent✅ How emergency savings help prevent new debt✅ Why personal finance only works when it becomes personalWhat 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/

[Ep 178]If you’ve been trying to get rid of debt but feel like you keep sliding backward, the problem usually isn’t discipline, it’s that you’re neglecting security. In this episode, I explain what an emergency fund really is, why it matters, and how it helps reduce debt by keeping you from reaching for credit cards, loans, or even family when life throws surprise expenses your way.This is one of the biggest hidden obstacles I see with clients. They come in worried about spending habits or motivation, but the real issue is that they don’t have a buffer. Without one, every unexpected bill resets progress and makes it nearly impossible to consistently eliminate debt. We’ll also talk about why the traditional definition of an emergency fund may actually be what’s delaying you from building one.You’ll Learn:✅ What is an emergency fund is and why it’s a key tool to prevent taking on debt ✅ How to personally define your emergency fund so you can build it ✅ Knowing when you should use your emergency funds✅ Make it a regular budget item so it’s always growing ✅ Where to store emergency funds for additional growth and security What 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/

[Ep 177]Debt isn’t just a number. It’s a commitment from your future income. In this episode, we revisit a foundational concept: what debt actually is.Debt simply means you’re delaying payment today in exchange for a higher cost later. And once you understand that clearly, your decisions around borrowing become much easier and far more intentional.I share why debt isn’t automatically bad. It can help you build credit and purchase important assets. But every dollar borrowed reduces the flexibility of your future money which means the real goal isn’t avoiding debt completely, it’s choosing it on purpose.✅ What debt really is and why the definition matters✅ How borrowing affects your future income✅ How much debt is actually comfortable for you✅ The difference between secured and unsecured debt✅ How to set personal rules for credit card use✅ How to stay in control of borrowing instead of reacting to itWhat 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/

[Ep 176]Feeling overwhelmed by debt right now? This feeling is real. The solution isn’t simply trying harder or being stricter about paying off debt. In this episode, I talk about the two main causes of overwhelm, even when you’re trying to be responsible and pay off the debt. You’ll learn how to change your relationship with debt so your money actually starts moving you forward instead of keeping you in place.✅ Why debt feels different after 40 (and why that’s normal)✅ The rollercoaster that keeps recreating debt balances✅ Why “unexpected expenses” aren’t actually unexpected✅ The reason low-interest debt still feels stressful✅ How to decide if paying off debt should truly be your priority✅ How to budget and get out of debtWhat 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/

[Ep 175]If you’re juggling priorities in this stage of life and your finances feel like money chaos, this episode is for you. I break down how to simplify what’s become complicated over years of managing money and explain the financial foundations that support long-term stability. You’ll also learn why being financially successful starts with four core foundations, plus the catalyst that helps everything finally click.✅ How to identify and prioritize what truly matters most in your finances✅ The key questions you need to ask to build strong financial foundations✅ Why personalized financial systems work better than one-size-fits-all plans✅ How clarity around your goals leads to confidence and long-term financial successWhat 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/

[Ep 174]Financial freedom (retirement) doesn’t happen by accident, and it doesn’t come from saving alone. It’s built through intentional decisions, a clear retirement dream, and the confidence to design a life you’re excited to live.In this episode, you learn how intentional decisions will help you shape your retirement dream. If you’ve ever thought, “I just hope it all works out,” or wondered what retirement will really look like beyond travel and time off, be sure to listen. What You’ll Learn in This Episode✅ What money freedom really means and why it’s more than just retirement✅ Why intentional decisions are the bridge between your savings and your retirement dream✅ Why most people skip this phase and the risks of doing so✅ How to adjust your money systems and plans to support your dream lifeWhat 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/

[Ep 173]Knowing if you’re making the right financial decisions can feel overwhelming, especially when life is pressing in from all sides. As part of the sandwich generation, you’re helping parents, supporting children, and trying to stay on track for your own retirement, all at the same time.In this episode, you’ll learn why making financial decisions based on emotion alone often leads to regret, stress, and feeling stuck, and how having a clear system can help you move from “I have to” choices to “I want to” decisions you can stand behind.What You’ll Learn in This Episode✅ How to separate facts from feelings when emotional money situations arise✅ The 3-step decision-making process that turns chaos into clarity✅ How to create money rules and boundaries that protect both your present life and future retirement✅ How confident money decisions lead to better conversations, less guilt, and greater financial freedomWhat 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/

[Ep 172]In this episode, you’ll learn how a few intentional systems can eliminate the chaos, help you spend confidently, save consistently, and take control of your retirement path starting today.What You’ll Learn In This Episode:Why mental budgeting keeps you stuck (and how to break the cycle)The three essential money systems you need for retirement readinessHow cash flow systems simplify your daily spending decisionsGet the full show notes HERE!What 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/

[Ep 171]In this episode, I’ll walk you through the exact numbers to look at, what they mean, and how to interpret them so you can finally stop guessing and start knowing. When you understand your money reality, you gain confidence, direction, and a sense of control you may not have felt in years.What You’ll Learn in This Episode:The simple financial numbers that reveal your real retirement readinessWhy fears often exaggerate your money problems and how to replace fear with clarityHow to calculate your true savings rate (and what it should be)The mindset shift that turns “I hope we’re okay” into “I know exactly where we stand"Get the full show notes HERE!What 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/

[Ep 170]This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re ready for financial confidence, predictable cash flow, and a clear path toward retirement freedom, this is where your journey begins.The 4 phases you must complete to build a realistic retirement planWhy mental budgeting is keeping you stuck and the system you need insteadHow to understand your true “money reality” so you can plan with confidenceThe most important first step to take if you want to retire on timeGet the full show notes HERE!What 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/

[Ep 169] As the new year begins, it’s the perfect time to reflect on your progress and set yourself up for success. In this episode, we’ll help you take a closer look at your retirement journey, what’s fueling your momentum, what’s holding you back, and where you can make meaningful adjustments. You’ll learn how to review your financial wins from the past year, identify the small leaks that may be slowing your progress, and clarify your vision for retirement.We’ll walk through practical, actionable steps to help you create a retirement ready plan, aligned with your values and financial priorities. Whether it’s adjusting your contributions, refining your budget system, or gaining retirement clarity, this episode is designed to help you take control of your money and move forward with confidence.What You’ll Learn in This Episode✅ How to reflect on your past year and acknowledge your financial wins✅ Simple ways to identify “leaks” that drain your retirement momentum✅ How to define a clear vision for your retirement and what matters most✅ How awareness and small changes can fuel a retirement-ready plan✅ Quick actions to increase contributions and gain retirement clarityWhat 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/

[Ep 168] If you’ve ever thought, “I just need more discipline with my budget,” this episode is for you. Many smart, motivated women already have a budget or money plan that works until it doesn’t. A birthday, a trip, an emotional splurge and suddenly it feels like you’ve failed. But the truth is, your budget problem can’t be solved with more discipline.In this episode, I explore why discipline is often the wrong tool for achieving consistent financial progress and how relying on it can actually lead to feelings of shame, self-doubt, and stalled retirement goals. Instead, you’ll learn why a clear money plan, rooted in your values, financial priorities, and a supportive budget system, is what truly creates confidence and follow-through.What You’ll Learn in This Episode:✅ Why discipline won’t fix inconsistent spending or budget frustration✅ The real definition of discipline and why it doesn’t belong in your money plan✅ How values budgeting creates clarity and reduces second-guessing✅ The difference between financial values and financial priorities (and why you need both)✅ Why awareness is the most underrated skill in money management✅ How clarity today accelerates retirement confidence and freedomWhat 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/

[Ep 167] Are you dreaming of the retirement you truly want, but constantly caught in the what if stage? What if you run out of money? What if you can’t travel, buy that second home, or live the lifestyle you’ve imagined? Many individuals over 40 find themselves stuck between the retirement they desire and the fear that it may never happen. In this episode, I’m breaking down a practical, 3-step process to move from fear to possibility. You’ll learn how to gain clarity about your finances, measure where the gaps are, and take action with simple steps that create real progress. By the end, you’ll have tools to replace worry with confidence, discover opportunities you may have overlooked, and take actionable steps toward retirement. What You’ll Learn:✅ How to identify the biggest fears holding you back from retirement✅ How to measure gaps in savings, debt, and spending effectively✅ How to create a plan for long-term retirement success✅ The mindset shift from fear to possibility and opportunityWhat 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/

[Ep 166] If you’ve been quietly hoping retirement will work itself out, this episode is your wake-up call. Becoming retirement ready isn’t about luck, guesswork, or crossing your fingers. It’s about clarity, consistency, and having a simple plan you can actually follow. In today’s episode, I’m walking you through a practical 3-step process that takes you from uncertainty to confidence, no matter where you’re starting. We’ll break down what retirement really looks like for you, how to build savings without overwhelm, and why a personalized money plan is the foundation of every confident retirement journey. What You’ll Learn:✅ Why clarity is your first step to becoming retirement ready✅ How to define your retirement with details ✅ A simple way to start saving consistently ✅ How small, steady increases turn into big retirement wins✅ Why a budget is the most important tool for retirement planningRelated Episodes:Ep 161 - Anxious About Retirement? Your Timeline Holds the AnswerWhat 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/

[Ep 165] If you’re a GenXer wondering what the first step in retirement planning really is, this episode will give you the clarity you’ve been missing. So many of us feel retirement fear because you don’t know where to start or which numbers matter most. Before you think about investments or complicated strategies, you need to know your numbers. In this episode, you’ll learn how to start a retirement plan with five key numbers that bring direction, confidence, and a clear path forward. When you understand what you’re working with today, planning for retirement becomes far less overwhelming and far more possible.What You’ll Learn:✅ The 5 numbers every GenXer must know✅ The first step in retirement planning to quickly reduce retirement fear✅ How to use your real numbers to guide retirement decisions✅ Simple planning retirement tips you can use todayWhat 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/

[Ep 164] Have you ever wondered why some people make steady progress on their retirement journey while others stay stuck, even with a good income? I was there too, budgeting, saving, planning, but never feeling confident it was enough. That's why I became a financial coach. Over my 13-year retirement journey, I learned that reaching retirement is possible, but I didn’t have a clear path, checklist, or anything telling me what to do next. What I learned on my journey is the exact steps I help clients take to get them to retirement. I’ve become the retirement coach I wish I had on my journey. What You'll Learn:✅ My journey to retirement, from financial blogs to creating my own retirement roadmap ✅ Why I used my budget as my retirement checklist ✅ The critical first steps I wish I'd known on my retirement journey✅ How questioning each expense supported me in getting retirement ready✅ Why your current budget directly impacts what you'll need in 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/

[Ep 163] If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money drifts toward everything instead of what's meaningful. What You'll Learn:✅ How to maintain your lifestyle now and into retirement ✅ Why unclear priorities cause worry and overspending ✅ How value-based budgeting supports your vision when planning for retirement✅ The secret to making your retirement transition seamless What 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/

[Ep 162] Feel overwhelmed by debt and unable to plan for retirement? In this episode, I explore retirement and debt, and why they don't have to be mutually exclusive. The truth about paying off debt before retirement is that you don't have to eliminate everything first. But you do need help with identifying what's really causing your debt cycle. Discover how understanding what creates your debt changes everything. What You'll Learn:✅ Why you don't need all debt paid off before retirement and the better question to ask ✅ How to decide whether retirement and debt can coexist ✅ Why feeling overwhelmed by debt often stems from a preparedness problem✅ How the cycle of debt reveals what's really blocking your path to retirement ✅ Why getting help with retirement planning is non-negotiable at this ageMentioned Episodes:Episode 45 - How Understanding Financial Freedom Levels Can Accelerate Your Financial JourneyWhat 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/

[Ep 161] Feeling anxious about retirement? Many people believe retirement isn’t even an option for them. But understanding your retirement timeline is the first step toward finding peace about your future. This episode will help you move from hopelessness to having a clear, achievable retirement timeline.What You'll Learn:✅ How to identify when you want to retire versus when you can retire✅ How understanding your retirement timeline reduces anxiety and creates motivation ✅ How Social Security withdrawal periods factor into your personal retirement timeline✅ The various age restrictions within retirement accounts ✅ Why Social Security ages shouldn't determine your entire retirement timelineRelated Episode:83 - Navigating Social Security with Christopher HensleyWhat 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/