[Ep 203]

You’re paying off debt to get retirement ready. The extra you are able to pay each month is making a difference, but occasionally you still find yourself adding to the balance instead of paying it down.

In this episode, I share how debt competes with your ability to save for retirement, three risks debt poses to your retirement, and how to break the cycle of relying on credit cards to cover expenses.

If you're being responsible with your money but still find yourself adding to the credit card balance more often than you'd like, this episode is for you.

Episode Highlights

00:00 Debt Cycle Stress

03:53 Three Retirement Ready Risks

08:41 Build A Cash Flow Management System

09:32 Break the Cycle of Credit Card Reliance

Related Episode(s): Episode 182

Read full show notes HERE

Book your free money clarity call to get a clear plan for tackling debt and getting retirement ready.

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

[Ep 202]

Your retirement health might be the single biggest wildcard in your plan, and most pre-retirees are quietly terrified it'll drain everything they've worked for. 

So what actually protects you here: more savings, better habits, or something you haven't thought of yet? 

In this episode, I’m joined by Jenny Smith, and we break down how to protect your health, the habits to start now (before you need them), and why stress might be damaging your nest egg more than you realize.

Episode Highlights

[02:10] Protect Your Retirement Health 

[05:00] Why Prevention Matters

[10:20] High Impact Health Habits

[20:10] Save Money With Meal Planning & Prep

[27:00] Quick Stress Reduction Practices

Connect with Guest Jenny Smith:

Website

Instagram

Download her Protein Guide

Full show notes can be found HERE

What topic or question would you love answered on the podcast?

Register at elevatefinances.us/webinar to start your journey to retire in 5 years.

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

The quiet excuse underneath all the others. In this mini episode, Dalene shows what "later" actually means and what to do instead.

Are You On Track To Retire?

5-day event to get you on track to retire in 5 years

Register today to begin creating your roadmap to retirement

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

Organizing your money and building a retirement plan aren't the same thing. In this mini episode, Dalene explains the difference and why one of them keeps you stuck. 

Are You On Track To Retire?

5-day event to get you on track to retire in 5 years

Register today to begin creating your roadmap to retirement

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

Saving is only one piece of the puzzle and it's usually not the one with the most room to move. In this mini episode, Dalene shares what else you can control to boost your savings.

Are You On Track To Retire?

5-day event to get you on track to retire in 5 years

Register today to begin creating your roadmap to retirement

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

Why you feel overwhelmed and what to do instead. Overwhelmed isn't the same as stuck. In this mini episode, Dalene walks you through what you should do to start taking action.

Are You On Track To Retire?

5-day event to get you on track to retire in 5 years

Register today to begin creating your roadmap to retirement

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

You're not behind! You just don't have a plan yet. 

In this episode, Dalene breaks down why "behind" is a feeling, not a fact, and what it actually takes to close the gap. 

Are You On Track To Retire?

5-day event to get you on track to retire in 5 years

Register today to begin creating your roadmap to retirement

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

[Ep 201]

Budgeting for retirement can feel impossible when you’re already watching every dollar. You’ve cut back on eating out, you’re not shopping as much, and you still wonder, Where am I supposed to find extra money to save for retirement?

If you keep waiting for “extra money” to save for retirement, you may be missing opportunities you have right now. In this episode, we’ll shift how you think about “extra” money and uncover where your savings potential may already exist without simply telling you to cut more from your life.

If you’re a Gen Xer who wants to save more for retirement and you’re tired of waiting, book Your Retirement Strategy Session now.

Episode Highlights

00:00 Stop Waiting to Save for Retirement at 40

03:52 How to Budget to Find Savings

04:46 A Real Client's Savings Wins

07:13 Find Savings Within Your Expenses

09:43 Shift Your Retirement Mindset For Potential Savings

Read Full Show Notes HERE

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

[Ep 200]

If you've ever thought retirement planning was complicated or overwhelming, this episode is for you.

In this episode, I'm sharing the five essential elements of the retirement planning process that will help you stop guessing and start making confident retirement decisions. 

By the end of this episode, you'll learn how to use your numbers to create a simple plan, identify your biggest retirement gap, and know exactly where to take action first.

Episode Highlights

00:00 Retirement Plan Overview

01:30 Start With Your Retirement Vision

03:16 Find Your Retirement Number

04:54 Budget As The System

06:14 Pick One Retirement Action

07:51 Build A Quarterly Rhythm

11:18 Episode 200 Giveaway

Full Show Notes HERE

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/

[Ep 199]

When you ask, "How much do I need to retire?" you're asking the wrong question first.

In this episode, I'm sharing why retirement isn't one big decision, it's hundreds of small decisions that shape your future. Instead of chasing one magic number, you'll learn why the better question to ask is, "What kind of retirement do I want?" From there, every financial decision becomes clearer.

By the end of this episode, you'll understand how gathering the right information, not searching for one perfect answer, helps you make confident retirement decisions, create a realistic plan, and move closer to the retirement you actually want.

In this episode you’ll learn:

• Why retirement feels so confusing even when you're consistently saving. (Ep 193 - Why Your Retirement Number Should Be Personalized dives deeper into this concept.)
• The biggest mistake people make when planning for retirement that may be keeping you stuck in overthinking and not taking action.
• How to identify the next financial decision that will move you closer to retirement.
• A simple way to start creating a retirement plan by focusing on your vision before your numbers.

Episode Highlights

00:00 Retirement Is Many Decisions

03:44 Start With Retirement Clarity

04:16 Steps To Retirement Planning

06:56 Five Retirement Actions

10:00 The Only Big Retirement Decision

12:01 How To Take Action

Link to full show notes HERE

What topic or question would you love answered on the podcast?

Not sure what you need to do to make retirement happen? 

Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today.

Looking to learn more about being retirement ready?

Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress.

Wondering where your money actually goes each month? Get real answers on a money clarity call. Book yours today.

Connect with me

Facebook:  https://www.facebook.com/dalene.higgins/