[Ep 142]

You’re worried about retirement but yet you haven’t changed what you’re doing with your money. Are you hoping your retirement will magically work out, even though you don’t use a budget and you have no idea where your money’s going? 

In this episode, I’m calling out the real reason you’re stuck and the one step that can change everything.

What You’ll Learn:

✅ Why being worried about retirement won’t fix a thing

✅ Why waiting can created a serious wall and not a set back

✅ The powerful difference mindset and action make

✅ The bold truth about the biggest lie holding you back

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 141] 

If saving for retirement feels like one big question mark, this episode is for you. In this episode, I am sharing 5 tips for saving for retirement specifically to help you save more. So if you’re looking for ways on how to save enough for retirement, these tips are for you. Some might sound familiar, but I promise a few will surprise you. 

What You’ll Learn:

✅ Why chasing the “perfect” strategy delays real progress

✅ How to save enough for retirement using small actions

✅ Tips for saving for retirement without cutting what you love

✅ The hidden cost of investment fees (and how to take that money back)

✅ A simple way to challenge yourself and boost savings consistently

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 140]

Feeling like you’re late to the savings game? I promise, it’s not too late. 

This episode is all about how to start saving for retirement. Whether you’ve saved a little or not at all, we’re going back to the basics so you can consistently save for retirement at 40. 

What You’ll Learn:

✅ Why saving for retirement at 40 (or even 50) is still possible

✅ The 4 S’s that help you be consistent with saving money 

✅ How to start saving money for retirement with realistic steps

✅ How to save with style and why that may be the piece you’re missing

✅ A mindset shift that will help you take action and stop playing catch-up

Related Episodes:

Episode 30 - Savings The #1 Habit to Financial Security

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 139]

Are you doing enough for retirement? You may be thinking, how do I start my retirement process. Retirement isn’t just about saving money there’s definitely some other things to know about retirement. In this episode, I share with you four (4) things you need to know about retirement planning that go beyond just contributing to your 401(k).

What You’ll Learn:

✅ Why starting your retirement process early gives you more freedom and control

✅ A simple way to define your retirement vision and set a flexible retirement timeline

✅ The #1 mindset shift to make if you’re only focused on saving

✅ How your current lifestyle directly impacts your future lifestyle

✅ How to use your FI number to build a retirement plan that fits your life

Related Episodes:

Episode 116 - A Retirement Ready VIP Session Experience

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 138]

Why am I bad with money? If you’ve ever asked yourself that question or told yourself “I’m just bad with money”, this episode is for you. 

The truth: it’s not a lack of tools or knowledge that keeps you stuck. More often, it’s shame. And that shame keeps you frozen, second-guessing every decision and avoiding the very habits that could help you grow.

In this episode, you’ll learn:

✅ How to recognize financial shame or guilt and the difference

✅ Why saying “I’m bad with money” keeps you stuck and how to shift that belief

✅ Why compassion is more powerful than discipline when it comes to budgeting

✅ Four ways to release shame and make progress with your money

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 137]

How do you stop overspending money even when you’re tracking and knowing where your money is going? Control happens at the decision-making stage not when you review your expenses and “see your overspending”. 

This episode will help you understand why knowing where your money goes isn’t the same as being in control and what you should do instead to help you stop overspending. 

What You’ll Learn:

✅ What is Overspending 

✅ Are You Truly Overspending

✅ Why You Overspend Even When Using A Budget

✅ 3 Actions To Help You Stop Overspending

Related Episodes:

Episode 133 - How to Create a Budget and Stick to It (Even When Life Goes Off Track)

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 136]

Thinking about investing for retirement? Don’t skip the most important first step. Before you put money in the market, you need a plan that protects your future and your peace of mind.

If you’re wondering how to invest for retirement or where to start investing with little money, this episode will guide you through the three smart steps to take before you invest, so that your future growth is secure and sustainable.

What You’ll Learn in This Episode:

✅ Why jumping into investing too soon can backfire

✅ The saving rule that makes investing work for you

✅ How to build a strong financial cushion (and why you need one)

✅ The truth about emergency funds vs. investments

✅ What to do if you don’t have a 401(k) or match

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 135]

If you feel like you’re late to the retirement game and don’t have much saved… you’re not alone. But here’s the truth. This isn’t just about balancing bills and savings anymore. You’re on a mission and every dollar you spend (or save) matters. The solution isn’t another tight budget. It’s clarity, alignment, and strategy.

In This Episode, You’ll Learn:

✅ Why your retirement savings problem isn’t just about needing to “save more”

✅ The key mindset shift that helps you stop feeling restricted

✅ Tips for saving for retirement that actually work 

✅ The 4-step process I use with clients to find hidden savings

✅ How to align your spending with what matters most without sacrificing joy

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 134]

If you’ve ever thought, “I need a side hustle” or “What side hustle can I do?”, this episode is packed with inspiration and practical advice.

My guest, Chloe Winstanley, shares how she turned her passion for crafting into a successful side business. What started as selling polymer clay earrings online during the pandemic has now grown into hosting multi-craft workshops in both New Zealand and Seattle.

In this episode, you’ll learn:

✅ How to start a side hustle that aligns with your creativity and lifestyle

✅ Tips for running successful craft fairs and in-person workshops

✅ How to pivot during tough seasons and keep showing up

✅ What to consider when trying to make money with a side hustle

✅ The value of persistence, community, and connecting with others along the way

If you’re curious about starting something of your own, be sure to connect with Chloe:

Instagram: www.instagram.com/100kartist

Website: http://www.100kartist.com

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 133] 

You’re trying your best to budget, but every month you overspend at least one category, right? But let me ask you, did you create your budget with a crystal ball? If you’ve ever given up on budgeting because “it never goes to plan,” this one’s for you. 

In this episode, I’m sharing 3 powerful mindset shifts and practical steps that will help you build a better budget.

What you’ll learn:

✅ Why your budget should be a plan, not a prediction

✅ How to stop seeing overspending as failure and use it as feedback

✅ What tracking your expenses will help you do

✅ How to budget successfully long-term (hint: it’s not restriction)

Additional resources:

Episode 66 - Why Budgeting Isn’t Enough And What You're Leaving Out

Episode 67 - Why Avoiding Budgets Can Lead to Missing Out

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/