Ep 135 | Saving for Retirement at 40? Budgeting Isn’t Enough

Ep 135 | Saving for Retirement at 40? Budgeting Isn’t Enough

Update: 2025-07-29
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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

✅ Tips for saving for retirement that actually work 

✅ The 4-step process I use with clients to find hidden savings

✅ How to align your spending with what matters most without sacrificing joy




Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

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Ep 135 | Saving for Retirement at 40? Budgeting Isn’t Enough

Ep 135 | Saving for Retirement at 40? Budgeting Isn’t Enough

Dalene Higgins - Money Coach, Retirement Coach, CEO