Dalene (Dalene Higgins)

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7,184 appearances 42 recordings 1 series first heard Dec 2024 last heard 4 Aug

Dalene (Dalene Higgins)’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

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And then you're going to add in any new costs that you will need to cover.

Remember, we're finding out what the true cost is.

So add in those new costs.

You've got an estimate from somebody on the phone.

You've started exploring these things.

And now what you're going to do, you have a new expense number.

You're going to subtract your income because it's only one of you retiring right now.

Subtract your income.

And then what is left is what you need to replace.

Instead of thinking, oh, it's all of it.

Maybe your spouse is the higher wage earner.

Maybe you're not working and that could look differently.

But I'm talking when both spouses are working and one is ready to leave.

This will help you get to what you need to replace.

And then you begin exploring that as to, is that possible?

Do I have enough saved?

What does that look like if it's going to be just a partial retirement?

Remember, if it's only going to be for a few months, then maybe savings is going to cover you.

It is all of these what-if scenarios.

This is what I help clients put together in the Retirement Roadmap Session.

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