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

92 | The First Step to a Solid Retirement Plan


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Let’s build the foundation your retirement dreams deserve, one step at a time.

This episode kicks off my brand new Retirement Planning Series, a four-part journey to help you move from financial uncertainty to a clear and confident path forward.

We’re starting with the essential first steps:

✅ Tracking your expenses

✅ Building an emergency fund

✅ Starting or growing your retirement savings

If you’ve ever wondered what are sinking funds, how to get started with retirement savings planning, or why tracking expenses matters so much, you’re in the right place. I’ll walk you through practical, doable actions to start building your retirement-ready foundation today.

Inside this episode, we’ll explore:

  • Why tracking your expenses is non-negotiable for financial clarity

  • The real answer to what are unexpected expenses and how to prepare

  • How sinking funds can protect your future (and your peace of mind)

  • Simple ways to begin or boost your retirement savings

Whether you’re just getting serious about retirement or you’re cleaning up your finances to make your dreams a reality, this episode is your starting line.

Press play and let’s simplify the first phase of your retirement savings planning.


Your Next Steps to Make Retirement Possible:

Grab Your Free Retirement Planning Guide

Kickstart your journey with the 5 Must-Do Money Moves for Retirement. elevatefinances.us/mustdo

Need a Personal Retirement Plan?

Book your Retirement Roadmap Session — a 1:1 deep dive to get you on track. elevatefinances.us/roadmap

Explore More Resources

Visit the website and discover how to make retirement possible. elevatefinances.us



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Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Retirement Savings, and Financial Freedom for Gen XersBy Dalene Higgins - Money Coach, Retirement Coach, CEO

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