[Ep 132] 

Have you ever felt guilty for spending money on something you love because you think it’s keeping you from being successful with money? It’s not about how to spend less and save more, but how to spend money without guilt.

Here’s what you’ll learn: 

✅ Why skipping the $5 coffee isn’t the answer and what actually helps you save money for retirement

✅ How to shift your mindset from restriction to intention when it comes to spending and saving

✅ A simple framework to align your spending with what matters most so you can save wisely and enjoy your money

✅ The key step most people miss when trying to figure out how to save money and spend wisely and how to fix it

Additional resources:

Ep 68 How My Client Learned to Spend More On Herself

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 131]

Feeling overwhelmed by everything you think you need to do before you retire? In this episode, I’m helping you calm that retirement anxiety by narrowing your focus. Instead of juggling a long list of to-dos, I’ll show you how choosing just one thing, like paying off your mortgage, can create momentum.

If anxiety about retirement is keeping you stuck, this episode will help you take a breath, get clear, and move forward with purpose.

Here’s what we’ll cover:

✅ How to acknowledge and navigate retirement overwhelm

✅ Why simplifying your focus helps reduce retirement anxiety

✅ The power of choosing one goal, such as paying off your mortgage

✅ How to build a simple plan and track your progress toward 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 130]

In this episode, Drew Boyer, a CFP, shares his journey in the financial industry, the inspiration behind his book 'Hip Hop X Finance,' and practical advice for managing personal finances.

Topics Covered In The Podcast:

✅ The Inspiration Behind 'Hip Hop x Finance'

✅ Financial Lessons from Hip Hop

✅ Drew's Personal Financial Struggles

✅ Financial Education and Early Lessons

✅ Advice for Overcoming Financial Challenges

Connect with Drew Boyer

https://www.facebook.com/hiphopxfinance/

https://www.tiktok.com/@hiphopxfinance

https://www.instagram.com/hiphopxfinance/

https://hiphopxfinance.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 129] 

What if your spouse, or even you, wants to retire sooner than planned? 

In this episode, I’m walking you through what to consider before saying yes to early retirement and how to start running the numbers. If you’ve ever asked yourself, “How do I know if I can retire?”, you’re in the right place. 

In this episode, you’ll learn:

✅ 3 questions to explore early retirement readiness

✅ How to calculate income replacement

✅ Why a clear budget gives you confidence to take bold steps

✅ How to run a simple “what if” scenario with your real numbers

Episodes Mentioned:

Ep 125 - What If You’re Closer to Retirement Than You Think?

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 128] 

You’ve been told to save for retirement and then just retire. But what about everything in between? What should you be doing now to make sure retirement actually happens? In this episode, I’ll share 3 steps to start your retirement planning process today.

In this episode, you’ll learn:

✅ What is retirement planning 

✅ How to get clear on your current finances 

✅ Why that directly impacts how much you’ll need in retirement

✅ Why defining your ideal retirement and timeline matters

✅ How to start budgeting for both 

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 127]

You want to retire, but the more you think about it, the more worried you become. Some days, you find yourself doubting retirement altogether. In this episode, I share why I stand by the belief that if you believe you can, you will. This episode will help you get unstuck and find a way to take action. 

In this episode, you’ll learn:

✅Why doubt is the biggest hurdle to feeling retirement-ready

✅ How to uncover the limiting beliefs that are fueling your fear

✅How to shift your mindset so you can take action

Additional resources:

Episode 63 - Why You Feel Broke and How to Manage Your Cash Flow Effectively

Episode 124 - How to Budget for Retirement Without Sacrifices

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 126] 

Tired of surprise expenses stealing your savings? Learn how the sinking fund approach can protect your savings and get you back on track for retirement.

Increasing your financial stability is key to reaching financial freedom.

What You’ll Learn in This Episode:

•Why unexpected expenses are the biggest stumbling block to retirement

•How the sinking fund method will help you protect your savings 

•3 steps to grow your sinking funds with purpose and ease

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 125] 

Think you’re not ready to retire? That fear might be lying to you. Tune in and find out why you could be closer than you think.

It's time to tell that little voice in your head that you're ready to do this!

What You’ll Learn in This Episode:

•A simple 3-part check to determine if you’re ready to retire 

•The truth about saving for retirement, even if it feels like it’s not enough

•How asking questions like “When can I retire?” leads to clarity

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 124]

Will we have to cut back so much that we don’t enjoy retirement? This may be a fear you have about retiring. 

In today’s episode, I’m going to share 3 steps to help you budget for retirement and be sure you don’t sacrifice your current lifestyle.

What you’ll learn:

✅ “Living on less” is just a limiting belief

✅ Fear of restriction comes from lack of clarity

✅ 3 steps to plan your ideal retirement lifestyle

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 123] 

You’ve just started thinking about retirement. You ask yourself: Am I on track for retirement OR How do I start planning for retirement? 

I’ve got you covered! In this episode, I share 5 must-do steps to help you get ready for retirement.

These steps are simple, but they’re powerful. And they’re exactly where you begin.

What You’ll Learn:

✅ How to ditch the overwhelm from Google overload

✅ Get 5 clear starting steps for retirement planning

✅ How to find your next best move

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/