Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers
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© 2025 Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire for Gen Xers
Description
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
151 Episodes
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Have you ever caught yourself thinking, “I’ll never have enough to retire,” “I’ve got too much debt to pay off,” or even “It’s too late for me to catch up”? These thoughts feel true, but they’re actually myths that quietly keep you stuck. In this episode, I’ll help you uncover the sneaky stories your brain tells you to keep you “safe,” and how to start rewriting them so you can move toward the retirement you want. What you’ll learn in this episode: ✅ What limiting beliefs are and wh...
Do you have a retirement goal, but it feels fuzzy? This may be one area that, once you get clear and defined, you realize there is no stopping your progress. In this episode, I will share 3 steps to create more specific goals for your money journey What You’ll Learn in This Episode: ✅ Why vague goals keep you stuck and how to shift them into clear statements ✅ Two key elements to make your money goals specific ✅ How to test if your goal is realistic (and what to do if it’s not) ✅ The ...
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 shoul...
Ever feel like you’re falling behind financially no matter how hard you work or how much you accomplish? In this episode, I’m sharing the story of a client who went from stuck in comparison mode to building real confidence and momentum with her money. She was running a thriving business, yet felt like a failure because she kept measuring herself against other people’s retirement accounts, debt-free milestones, and dream vacations. The truth is, when you’re busy comparing your financ...
If you’ve ever thought, “What’s wrong with me? Why can’t I figure this money thing out?” Inside this episode, I dive into why smart, capable women still feel stuck, stressed about money, and behind when it comes to budgeting and saving. Spoiler: It’s not about more discipline or more knowledge, it’s about finding a budgeting system that fits who you are. What you’ll learn: ✅ Why budgeting and saving money the traditional way often doesn’t work for you ✅ How to stop feeling stressed ab...
You’re worried about retirement but yet you haven’t changed what you’re doing with your money. Are you hoping your retirement will magically work out, even though you don’t use a budget and you have no idea where your money’s going? In this episode, I’m calling out the real reason you’re stuck and the one step that can change everything. What You’ll Learn: ✅ Why being worried about retirement won’t fix a thing ✅ Why waiting can created a serious wall and not a set back ✅ The powerful ...
If saving for retirement feels like one big question mark, this episode is for you. In this episode, I am sharing 5 tips for saving for retirement specifically to help you save more. So if you’re looking for ways on how to save enough for retirement, these tips are for you. Some might sound familiar, but I promise a few will surprise you. What You’ll Learn: ✅ Why chasing the “perfect” strategy delays real progress ✅ How to save enough for retirement using small actions ✅ Tips for sa...
Feeling like you’re late to the savings game? I promise, it’s not too late. This episode is all about how to start saving for retirement. Whether you’ve saved a little or not at all, we’re going back to the basics so you can consistently save for retirement at 40. What You’ll Learn: ✅ Why saving for retirement at 40 (or even 50) is still possible ✅ The 4 S’s that help you be consistent with saving money ✅ How to start saving money for retirement with realistic steps ✅ How t...
Are you doing enough for retirement? You may be thinking, how do I start my retirement process. Retirement isn’t just about saving money there’s definitely some other things to know about retirement. In this episode, I share with you four (4) things you need to know about retirement planning that go beyond just contributing to your 401(k). What You’ll Learn: ✅ Why starting your retirement process early gives you more freedom and control ✅ A simple way to define your retirement vision and se...
Why am I bad with money? If you’ve ever asked yourself that question or told yourself “I’m just bad with money”, this episode is for you. The truth: it’s not a lack of tools or knowledge that keeps you stuck. More often, it’s shame. And that shame keeps you frozen, second-guessing every decision and avoiding the very habits that could help you grow. In this episode, you’ll learn: ✅ How to recognize financial shame or guilt and the difference ✅ Why saying “I’m bad with money” keeps y...
How do you stop overspending money even when you’re tracking and knowing where your money is going? Control happens at the decision-making stage not when you review your expenses and “see your overspending”. This episode will help you understand why knowing where your money goes isn’t the same as being in control and what you should do instead to help you stop overspending. What You’ll Learn: ✅ What is Overspending ✅ Are You Truly Overspending ✅ Why You Overspend Even Wh...
Thinking about investing for retirement? Don’t skip the most important first step. Before you put money in the market, you need a plan that protects your future and your peace of mind. If you’re wondering how to invest for retirement or where to start investing with little money, this episode will guide you through the three smart steps to take before you invest, so that your future growth is secure and sustainable. What You’ll Learn in This Episode: ✅ Why jumping into investing too soon ca...
If you feel like you’re late to the retirement game and don’t have much saved… you’re not alone. But here’s the truth. This isn’t just about balancing bills and savings anymore. You’re on a mission and every dollar you spend (or save) matters. The solution isn’t another tight budget. It’s clarity, alignment, and strategy. In This Episode, You’ll Learn: ✅ Why your retirement savings problem isn’t just about needing to “save more” ✅ The key mindset shift that helps you stop feeling restricted...
If you’ve ever thought, “I need a side hustle” or “What side hustle can I do?”, this episode is packed with inspiration and practical advice. My guest, Chloe Winstanley, shares how she turned her passion for crafting into a successful side business. What started as selling polymer clay earrings online during the pandemic has now grown into hosting multi-craft workshops in both New Zealand and Seattle. In this episode, you’ll learn: ✅ How to start a side hustle that aligns with your creativi...
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 fai...
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 ...
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 ...
In this episode, Drew Boyer, a CFP, shares his journey in the financial industry, the inspiration behind his book 'Hip Hop X Finance,' and practical advice for managing personal finances. ✅ The Inspiration Behind 'Hip Hop x Finance' ✅ Financial Lessons from Hip Hop ✅ Drew's Personal Financial Struggles ✅ Financial Education and Early Lessons ✅ Advice for Overcoming Financial Challenges Connect with Drew Boyer https://www.facebook.com/hiphopxfinance/ https://www.tiktok.com/@hiphopxfinance...
What if your spouse, or even you, wants to retire sooner than planned? In this episode, I’m walking you through what to consider before saying yes to early retirement and how to start running the numbers. If you’ve ever asked yourself, “How do I know if I can retire?”, you’re in the right place. In this episode, you’ll learn: ✅ 3 questions to explore early retirement readiness ✅ How to calculate income replacement ✅ Why a clear budget gives you confidence to take bold steps ✅ Ho...
You’ve been told to save for retirement and then just retire. But what about everything in between? What should you be doing now to make sure retirement actually happens? In this episode, I’ll share 3 steps to start your retirement planning process today. In this episode, you’ll learn: ✅ What is retirement planning ✅ How to get clear on your current finances ✅ Why that directly impacts how much you’ll need in retirement ✅ Why defining your ideal retirement and timeline matters ✅...
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