Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers cover art

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers

Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers

By: Dalene Higgins - Money Coach Retirement Coach CEO
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About this listen

The Podcast That Helps Gen Xers Retire Up to 5 Years Sooner


Top 5% Personal Finance Podcast


You’ve worked hard for decades, but now the big questions are creeping in:


👉 Will I have enough to retire?

👉 Is it too late to start retirement planning?


Welcome to Wealthy After 40, the podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings.


I’m Dalene Higgins, financial coach and creator of the Aligned Money Method. I help Gen Xers take control of their personal finances by building a money system that fits their values and lifestyle, so they can save consistently, manage budgeting with ease, and prepare to retire on their own terms.


Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm.


If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you.


Retirement isn’t out of reach. Let’s simplify your next steps with clear advice on how to retire, starting today.


Your first step is a financial reality check-up inside the Retirement Roadmap Session.


Book your free Clarity Connection Call at elevatefinances.us/connection to learn how the Retirement Roadmap Session will help you make retirement possible.

Visit my website at elevatefinances.us to learn more or share with me your thoughts, questions, and challenges related to retirement at hello@elevatefinances.us

© 2025 Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers
Personal Development Personal Success
Episodes
  • Ep 133 | How to Create a Budget and Stick to It (Even When Life Goes Off Track)
    Jul 22 2025

    Submit your questions here!


    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 help you build a better budget.



    What you’ll learn:


    ✅ Why your budget should be a plan, not a prediction

    ✅ How to stop seeing overspending as failure and use it as feedback

    ✅ What tracking your expenses will help you do

    ✅ How to budget successfully long-term (hint: it’s not restriction)





    Additional resources:

    Episode 66 - Why Budgeting Isn’t Enough And What You're Leaving Out

    Episode 67 - Why Avoiding Budgets Can Lead to Missing Out



    Next Steps:

    Book Your Retirement Roadmap Session Today

    Book A Free Confidence Kickstart Call to Chat


    Or, grab one of my free resources to help you take the first step:

    5 Must-Do Steps for Retirement Planning — A simple guide to help you prepare with purpose

    Retirement Ready Checklist — Make sure you’re not missing a single step on the road to retirement


    Show More Show Less
    19 mins
  • Ep 132 | How to Spend Wisely and Save Money For Retirement
    Jul 18 2025

    Submit your questions here!

    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 retirement

    ✅ How to shift your mindset from restriction to intention when it comes to spending and saving

    ✅ A simple framework to align your spending with what matters most so you can save wisely and enjoy your money

    ✅ The key step most people miss when trying to figure out how to save money and spend wisely and how to fix it



    Additional resources:

    Ep 68 How My Client Learned to Spend More On Herself




    Next Steps:

    Book Your Retirement Roadmap Session Today

    Book A Free Confidence Kickstart Call to Chat


    Or, grab one of my free resources to help you take the first step:

    5 Must-Do Steps for Retirement Planning — A simple guide to help you prepare with purpose

    Retirement Ready Checklist — Make sure you’re not missing a single step on the road to retirement


    Show More Show Less
    19 mins
  • Ep 131 | What If One Thing Is Holding You Back from Retirement?
    Jul 15 2025

    Submit your questions here!

    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.


    Here’s what we’ll cover:


    ✅ How to acknowledge and navigate retirement overwhelm

    ✅ Why simplifying your focus helps reduce retirement anxiety

    ✅ The power of choosing one goal, such as paying off your mortgage

    ✅ How to build a simple plan and track your progress toward retirement


    If anxiety about retirement is keeping you stuck, this episode will help you take a breath, get clear, and move forward with purpose.



    Next Steps:

    Book Your Retirement Roadmap Session Today

    Book A Free Confidence Kickstart Call to Chat


    Or, grab one of my free resources to help you take the first step:

    5 Must-Do Steps for Retirement Planning — A simple guide to help you prepare with purpose

    Retirement Ready Checklist — Make sure you’re not missing a single step on the road to retirement


    Show More Show Less
    14 mins

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