[Ep 170]

This episode gives you the clarity you’ve been craving so you can stop spinning, start planning, and confidently move toward a retirement you’re excited about. No more being afraid or being worried about retirement. If you’re ready for financial confidence, predictable cash flow, and a clear path toward retirement freedom, this is where your journey begins.

• The 4 phases you must complete to build a realistic retirement plan
• Why mental budgeting is keeping you stuck and the system you need instead
• How to understand your true “money reality” so you can plan with confidence
• The most important first step to take if you want to retire on time

Get the full show notes HERE!

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[Ep 169] 

As the new year begins, it’s the perfect time to reflect on your progress and set yourself up for success. 

In this episode, we’ll help you take a closer look at your retirement journey, what’s fueling your momentum, what’s holding you back, and where you can make meaningful adjustments. You’ll learn how to review your financial wins from the past year, identify the small leaks that may be slowing your progress, and clarify your vision for retirement.

We’ll walk through practical, actionable steps to help you create a retirement ready plan, aligned with your values and financial priorities. Whether it’s adjusting your contributions, refining your budget system, or gaining retirement clarity, this episode is designed to help you take control of your money and move forward with confidence.

What You’ll Learn in This Episode

✅ How to reflect on your past year and acknowledge your financial wins
✅ Simple ways to identify “leaks” that drain your retirement momentum
✅ How to define a clear vision for your retirement and what matters most

✅ How awareness and small changes can fuel a retirement-ready plan
✅ Quick actions to increase contributions and gain retirement clarity

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[Ep 168] 

If you’ve ever thought, “I just need more discipline with my budget,” this episode is for you. Many smart, motivated women already have a budget or money plan that works until it doesn’t. A birthday, a trip, an emotional splurge and suddenly it feels like you’ve failed. But the truth is, your budget problem can’t be solved with more discipline.

In this episode, I explore why discipline is often the wrong tool for achieving consistent financial progress and how relying on it can actually lead to feelings of shame, self-doubt, and stalled retirement goals. Instead, you’ll learn why a clear money plan, rooted in your values, financial priorities, and a supportive budget system, is what truly creates confidence and follow-through.

What You’ll Learn in This Episode:

✅ Why discipline won’t fix inconsistent spending or budget frustration
✅ The real definition of discipline and why it doesn’t belong in your money plan
✅ How values budgeting creates clarity and reduces second-guessing
✅ The difference between financial values and financial priorities (and why you need both)
✅ Why awareness is the most underrated skill in money management
✅ How clarity today accelerates retirement confidence and freedom

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[Ep 167] 

Are you dreaming of the retirement you truly want, but constantly caught in the what if stage? What if you run out of money? What if you can’t travel, buy that second home, or live the lifestyle you’ve imagined? Many individuals over 40 find themselves stuck between the retirement they desire and the fear that it may never happen. 

In this episode, I’m breaking down a practical, 3-step process to move from fear to possibility. You’ll learn how to gain clarity about your finances, measure where the gaps are, and take action with simple steps that create real progress. By the end, you’ll have tools to replace worry with confidence, discover opportunities you may have overlooked, and take actionable steps toward retirement. 

What You’ll Learn:

✅ How to identify the biggest fears holding you back from retirement

✅ How to measure gaps in savings, debt, and spending effectively

✅ How to create a plan for long-term retirement success

✅ The mindset shift from fear to possibility and opportunity

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[Ep 166] 

If you’ve been quietly hoping retirement will work itself out, this episode is your wake-up call. Becoming retirement ready isn’t about luck, guesswork, or crossing your fingers. It’s about clarity, consistency, and having a simple plan you can actually follow. 

In today’s episode, I’m walking you through a practical 3-step process that takes you from uncertainty to confidence, no matter where you’re starting. We’ll break down what retirement really looks like for you, how to build savings without overwhelm, and why a personalized money plan is the foundation of every confident retirement journey. 

What You’ll Learn:

✅ Why clarity is your first step to becoming retirement ready

✅ How to define your retirement with details 

✅ A simple way to start saving consistently 

✅ How small, steady increases turn into big retirement wins

✅ Why a budget is the most important tool for retirement planning

Related Episodes:

Ep 161 - Anxious About Retirement? Your Timeline Holds the Answer

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[Ep 165] 

If you’re a GenXer wondering what the first step in retirement planning really is, this episode will give you the clarity you’ve been missing. So many of us feel retirement fear because you don’t know where to start or which numbers matter most. Before you think about investments or complicated strategies, you need to know your numbers. 

In this episode, you’ll learn how to start a retirement plan with five key numbers that bring direction, confidence, and a clear path forward. When you understand what you’re working with today, planning for retirement becomes far less overwhelming and far more possible.

What You’ll Learn:

✅ The 5 numbers every GenXer must know

✅ The first step in retirement planning to quickly reduce retirement fear

✅ How to use your real numbers to guide retirement decisions

✅ Simple planning retirement tips you can use today

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[Ep 164] 

Have you ever wondered why some people make steady progress on their retirement journey while others stay stuck, even with a good income? I was there too, budgeting, saving, planning, but never feeling confident it was enough. That's why I became a financial coach. 

Over my 13-year retirement journey, I learned that reaching retirement is possible, but I didn’t have a clear path, checklist, or anything telling me what to do next. What I learned on my journey is the exact steps I help clients take to get them to retirement. I’ve become the retirement coach I wish I had on my journey. 

What You'll Learn:

✅ My journey to retirement, from financial blogs to creating my own retirement roadmap 

✅ Why I used my budget as my retirement checklist 

✅ The critical first steps I wish I'd known on my retirement journey

✅ How questioning each expense supported me in getting retirement ready

✅ Why your current budget directly impacts what you'll need in retirement

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[Ep 163] 

If you're wondering how to maintain your retirement lifestyle without sacrificing what you love, this episode is for you. 

You're enjoying life and the thought of preparing for retirement has you feeling you will have to give up everything. Planning for lifestyle changes now actually saves you from stress, money struggles, and disappointment later. The problem isn't your spending, it's unclear priorities. When you don't know which parts of your lifestyle truly matter most, your money drifts toward everything instead of what's meaningful. 

What You'll Learn:

✅ How to maintain your lifestyle now and into retirement 

✅ Why unclear priorities cause worry and overspending 

✅ How value-based budgeting supports your vision when planning for retirement

✅ The secret to making your retirement transition seamless 

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[Ep 162] 

Feel overwhelmed by debt and unable to plan for retirement? In this episode, I explore retirement and debt, and why they don't have to be mutually exclusive. The truth about paying off debt before retirement is that you don't have to eliminate everything first. But you do need help with identifying what's really causing your debt cycle. Discover how understanding what creates your debt changes everything. 

What You'll Learn:

✅ Why you don't need all debt paid off before retirement and the better question to ask 

✅ How to decide whether retirement and debt can coexist 

✅ Why feeling overwhelmed by debt often stems from a preparedness problem

✅ How the cycle of debt reveals what's really blocking your path to retirement 

✅ Why getting help with retirement planning is non-negotiable at this age

Mentioned Episodes:

Episode 45 - How Understanding Financial Freedom Levels Can Accelerate Your Financial Journey

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[Ep 161] 

Feeling anxious about retirement? Many people believe retirement isn’t even an option for them. But understanding your retirement timeline is the first step toward finding peace about your future. This episode will help you move from hopelessness to having a clear, achievable retirement timeline.

What You'll Learn:

✅ How to identify when you want to retire versus when you can retire

✅ How understanding your retirement timeline reduces anxiety and creates motivation 

✅ How Social Security withdrawal periods factor into your personal retirement timeline

✅ The various age restrictions within retirement accounts 

✅ Why Social Security ages shouldn't determine your entire retirement timeline

Related Episode:

83 - Navigating Social Security with Christopher Hensley

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