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

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, a financial and retirement coach helping Gen Xers take control of their money through simple retirement systems that work now and later.


Together, we build a personalized money system that aligns with your values and lifestyle, so you can budget with confidence, save consistently, and create a clear path to retire on your 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.


Book your free 30-minute Retirement Clarity call to talk through your current money and retirement situation. Together, we’ll look at where you are right now, what feels confusing or unclear, and identify the one next step that will make the biggest difference.


👉 Book Your Retirement Clarity Call Now


Or visit my website www.elevatefinances.us to learn more about financial coaching and find free resources to support your retirement planning journey.

© 2026 Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers Personal Development Personal Success
Episodes
  • How Intentional Decisions Shape Your Retirement Dream

    How Intentional Decisions Shape Your Retirement Dream
    Feb 3 2026

    [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 life




    💜 Book your free Financial Clarity Call

    📩 Download the free Financial Clarity Check Up

    ✨ Connect with me on Instagram

    👩‍💻 Visit the website to learn more!
    Show More Show Less
    18 mins
  • Make Smarter Money Decisions That Support Your Retirement

    Make Smarter Money Decisions That Support Your Retirement
    Jan 27 2026

    [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 freedom



    💜 Book your free Financial Clarity Call

    📩 Download the free Financial Clarity Check Up

    ✨ Connect with me on Instagram

    👩‍💻 Visit the website to learn more!
    Show More Show Less
    18 mins
  • A Money System For Practical Spending and Stress Free Saving

    A Money System For Practical Spending and Stress Free Saving
    Jan 20 2026

    [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 readiness
    • How cash flow systems simplify your daily spending decisions

    Get the full show notes HERE!


    💜 Book your free Financial Clarity Call

    📩 Download the free Financial Clarity Check Up

    ✨ Connect with me on Instagram

    👩‍💻 Visit the website to learn more!
    Show More Show Less
    18 mins
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