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

Ep 154 | 3 Rules to Build Your Budget for Retirement


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I’ve tried every kind of budgeting and tracking system. Along the way, I discovered what truly worked for me and turned those lessons into the philosophies I now teach my clients. 

In today’s episode, I’m sharing my personal budgeting journey, the mistakes I made, and the shifts that finally gave me clarity, control, and confidence. By the end of this conversation, you’ll see how a budget can be designed around you, your values, your priorities, and the retirement lifestyle you’re working toward. 


What You’ll Learn in This Episode:

✅ The evolution of my budgeting journey (and why some methods didn’t last)

✅ Why “static but flexible” is the key to a budget that works long term.

✅ How I used budgeting to increase retirement savings little by little.

✅ Three core rules I teach clients to create sustainable budgets.




💜 Book your free Retirement Ready Q&A Call

💰 Join the Retirement Ready Workshop

✨ Connect with me on Instagram


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

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