If you constantly feel short on cash, tune in to this episode to uncover whether it's more a matter of perception than reality. I'll guide you through identifying if your financial stress is driven by feelings or facts and provide actionable steps to address either situation.

00:00 Introduction: Do You Truly Lack Money?

00:27 Client Stories: Perception vs. Reality

01:56 Emotional Impact on Financial Decisions

02:27 Identifying the Real Issue: Money Management

04:36 Creating a Cash Flow Management System

07:06 The Power of Three Framework

12:38 Conclusion: Perception or Reality?

**Be sure to join the Private Podcast - Budget Breakthrough Series. The first episode drops July 29, 2024. Click HERE to subscribe and not miss out on this series.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

In this episode of the Wealthy After 40 podcast, I interview Lisa Ziderman, a matrimonial attorney and certified divorce financial analyst based in New York. 

Lisa discusses the critical steps to prepare for a financially successful divorce, emphasizing the importance of gathering financial documentation, choosing the right attorney, and assembling a professional team. 

She also covers key financial documents, the significance of the Statement of Net Worth, discovery, depositions, and what to expect during litigation. Lisa provides practical advice and resources, including access to a free financial helpline for women via Savvy Ladies.

00:00 Introduction to Today's Episode

00:04 Meet Lisa Ziderman: Expert in Divorce and Finances

01:10 Preparing for the Best Financial Outcome in Divorce

02:42 Key Financial Documents to Gather

05:01 Choosing the Right Attorney and Building Your Team

07:41 Understanding the Statement of Net Worth

09:45 The Discovery Process and Marital Estate Chart

14:32 The Importance of Depositions

19:32 Navigating Litigation in Divorce

24:08 How to Connect with Lisa Ziderman

25:29 Conclusion and Final Thoughts

Connect with Expert Guest: Lisa Zeiderman 

@lisazeiderman on LinkedIn, FB, Insta and Twitter

June's Special Offer - Complimentary Financial Foundations Intensives. Click HERE to read more and schedule your free call to reserve a spot before they're gone. Be sure to mention JUNE when you get on the call.

Connect with me on Instagram to share your thoughts and ask questions @elevatefinances https://www.instagram.com/elevate_finances/

Be sure to join my newsletter for insights on growing wealth, behind-the-scenes musings, and opportunities to contribute to future episodes. You will receive the most updated podcast listening guide released each quarter. https://elevatefinancesllc.myflodesk.com/podcast

Are you looking for 1:1 support with your finances? Schedule your free Budget Break Thru Session to learn more about what coaching can look like for you. https://bit.ly/chatwithdalenehiggins

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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Join the Make Retirement Possible Challenge

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In this episode, I share a personal financial journey on navigating the process of making a large purchase—in this case, buying a new home. 

Using that story as an example, I provide key advice including defining your purchase criteria, understanding your financial situation, avoiding desperation, and being aware of market conditions. 

00:00 Introduction to Navigating Large Purchases

00:14 Defining a Large Purchase

01:07 Personal Story: Moving Closer to Family

02:23 Setting Criteria for the New Home

03:49 The Search Begins: Online and Physical

04:44 Challenges and Adjustments in the Search

09:30 Financial Considerations and Budgeting

11:10 Making the Offer and Final Decisions

16:01 Lessons Learned and Final Thoughts

16:59 Upcoming Episodes and Final Remarks

June's Special Offer - Complimentary Financial Foundations Intensives. Click HERE to read more and schedule your free call to reserve a spot before they're gone. Be sure to mention JUNE when you get on the call.

Connect with me on Instagram to share your thoughts and ask questions @elevatefinances https://www.instagram.com/elevate_finances/

Be sure to join my newsletter for insights on growing wealth, behind-the-scenes musings, and opportunities to contribute to future episodes. You will receive the most updated podcast listening guide released each quarter. https://elevatefinancesllc.myflodesk.com/podcast

Are you looking for 1:1 support with your finances? Schedule your free Budget Break Thru Session to learn more about what coaching can look like for you. https://bit.ly/chatwithdalenehiggins

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

In this episode, I share advice and tips to becoming your own financial advisor. 

Key points include understanding your finances, setting clear financial goals, and managing debt. 

While financial advisors play a valuable role, individuals will understand their money best. Specific steps are shared, such as educating oneself on specific financial topics, setting and detailing financial goals, managing debt responsibly, investing wisely, planning for retirement, and regularly reviewing and adjusting financial plans. 

00:00 Introduction and Purpose

00:41 Client Success Story

01:17 Understanding Your Money

02:12 Role of Financial Advisors

03:46 Becoming Your Own Financial Advisor

04:48 Educate Yourself

09:31 Set Financial Goals

12:14 Manage Your Debt

15:58 Invest Wisely and Plan for Retirement

19:08 Review and Adjust Regularly

20:42 Conclusion and Recap

June's Special Offer - Complimentary Financial Foundations Intensives. Click HERE to read more and schedule your free call to reserve a spot before they're gone. Be sure to mention JUNE when you get on the call.

Connect with me on Instagram to share your thoughts and ask questions @elevatefinances https://www.instagram.com/elevate_finances/

Be sure to join my newsletter for insights on growing wealth, behind-the-scenes musings, and opportunities to contribute to future episodes. You will receive the most updated podcast listening guide released each quarter. https://elevatefinancesllc.myflodesk.com/podcast

Are you looking for 1:1 support with your finances? Schedule your free Budget Break Thru Session to learn more about what coaching can look like for you. https://bit.ly/chatwithdalenehiggins

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

Your savings plan just got simpler. Learn how to ditch the stress and start saving smarter today!

Are you ready to save money for retirement or just want to feel more in control of your financial future? In this final episode of our savings series, I’m walking you through 4 simple, no-fluff steps to help you create a personalized savings plan that actually works, without giving up everything you love.

Inside this episode, we’ll talk about:

• How to make sure you have enough to cover the basics before you even start to save
  
  
• Why measuring progress isn’t just about your account balance
  
  
• The real secret to saving for retirement with purpose and peace of mind
  
  
• How to create a plan that helps you stick with your savings goals
  
  

Plus, I’m sharing all the juicy details about the 90-Day Summer Save Money Challenge and how you can jumpstart your progress today with easy wins.

This is your time to stop guessing and start building the future you’ve been dreaming of. Whether you’re asking how I can save money or looking for ways to save money consistently, these steps are for you.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

In this episode, we welcome public relations professional and podcaster Steve Mullen. Steve shares insights from his podcast 'Caregiving Gen X Style,' which he co-hosts with his wife, and also discusses his family's approach to financing their children's college education. The episode emphasizes the importance of budgeting, financial planning, and teaching children money management skills for a secure financial future.

00:00 Introduction to Special Guest Steve Mullen

00:17 Steve Mullen Shares Insights on Caregiving and His Podcast

01:40 A Glimpse into Assisted Living: Wine Down Wednesday Story

03:02 Navigating College Costs: A Parent's Perspective

03:56 Steve's Approach to Funding His Children's Education

06:16 The Benefits of a 529 Plan and Managing College Expenses

18:21 Financial Independence and Lessons for College Students

22:19 Closing Thoughts and Where to Find Steve Mullen

Connect with Guest: Steve Mullen 

Caregiving GenX Style

Twitter

Facebook

Are you ready to kick it up a notch with your savings?
Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!

Are you looking for 1:1 support with your finances?
Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.

Visit my website to learn more about financial coaching, who I am, and discover more free resources and events.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

This episode of the Wealthy after 40 podcast features financial planner Sean Mullaney, President of Mullaney Financial and Tax, discussing the benefits of a Solo 401k for solopreneurs looking to save for retirement. Sean, also known for his FITaxGuy blog, shares his expertise on how self-employed individuals can effectively plan their retirement savings without the traditional employer-sponsored 401k options.

The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Dalene and the Wealthy After Forty podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. 

00:00 Introduction to Wealthy After 40: Focus on Solopreneurs

00:37 Exploring the Solo 401k with Sean Mullaney

02:37 The Advantages of a Solo 401k for Entrepreneurs

05:43 Comparing Solo 401k with IRAs and Roth IRAs

09:20 Starting Points for New Solopreneurs in Retirement Planning

13:41 Choosing the Right Financial Institution for Your Solo 401k

17:47 How to Connect with Sean Mullaney

Connect with Expert Guest: Sean Mullaney 

 X https://twitter.com/SeanMoneyandTax

YouTube https://www.youtube.com/@SeanMullaneyVideos

His award-winning blog: FITaxGuy.com 

Blog Post: IRA Contributions for Beginners

Let’s Connect!

Are you ready to kick it up a notch with your savings?

Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!

Are you looking for 1:1 support with your finances?

Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.

Visit my website to learn more about financial coaching, and who I am, and discover more free resources and events.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

Practical steps, real talk, and renewed hope. Let’s get your retirement savings back on track.

If you’re feeling behind on saving for retirement, you’re not alone and you’re not out of time. In this episode, I break down exactly how to define your retirement savings gap and give you five clear, doable strategies to catch up with confidence.

You’ll learn:

• How to calculate your unique retirement gap (and why it matters)
  
  
• 5 powerful strategies to close that gap and regain momentum
  
  
• Why budgeting for retirement is a game-changer, not a punishment
  
  
• The money fears and mindset traps that may be keeping you stuck
  
  
• How to build a money saving plan that supports your long-term goals
  
  

Whether you’re in your 50s and just getting serious or have been saving but not consistently, this episode gives you both the tips to save for retirement and the belief that it’s still possible.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

This episode features Rizek Housari, a Wealth Advisor, Certified Financial Planner, and CPA, discussing the benefits and strategies of using Health Savings Accounts (HSAs). The episode emphasizes the HSA's role not just for immediate medical expenses but as a critical part of a comprehensive financial and retirement strategy.

In the interview Rizek covers: 

• HSA as a powerful tool for tax saving
• Eligibility criteria for HSAs 
• Contribution limits
• Importance of keeping receipts 
• Strategic use of HSAs for retirement planning 
• Common pitfalls to avoid when using an HSA

Connect with Guest Expert, Rizek Housari:

On TikTok 

LinkedIn

Let’s Connect!

Are you ready to kick it up a notch with your savings?

Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!

Are you looking for 1:1 support with your finances?

Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.

Visit my website to learn more about financial coaching, and who I am, and discover more free resources and events.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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

Today, we're diving into the world of savings accounts and uncovering the best options to match your financial aspirations.

In this episode, I cover the following topics: 

• Various savings account options and how to choose which aligns best with your goals
• Understanding the importance of defining your goals and prioritizing them to create an effective savings strategy
• Other key factors to consider when choosing a savings account, include interest rates, fees, accessibility, and terms and conditions
• Advice to begin taking action today and what next steps to take

Let’s Connect!

Are you ready to kick it up a notch with your savings? Be sure to join the 90-Day Summer Savings challenge starting June 3rd. Don’t miss out! Register today!!

Do you have questions about this episode? Topics you want to discuss further? Join us in the  free Facebook Community and find the weekly discussion post every Wednesday. 

Are you looking for 1:1 support with your finances? Schedule a free Budget Break Thru Session to learn more about what coaching can look like for you. On this 30-minute call, we’ll explore your current challenge and how to start making progress forward.

Visit my website to learn more about financial coaching, who I am, and discover more free resources and events.

Send me an email with your questions, thoughts, and takeaways from the podcast to: [email protected]

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

Join the Make Retirement Possible Challenge

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