Dalene (Dalene Higgins)

speaker

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 · last 12 months

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

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Wealthy After 40: Retirement Planning and Budgeting for Gen X · The #1 Thing Sabotaging Your Savings (and How to Fix It) · 24 Jun 2025 podcast

I'm like, why am I saving for that when my situation, and I know not everybody is in this.

That's why I said, yes, for job loss, it is important.

And it needs to be noted and labeled as job loss.

But at 1% chance, I was going to lose my job.

1% chance.

So why am I setting aside money for that when what am I supposed to do if I need...

You know, and I started thinking about it.

I started thinking about it.

What if I need something to, oh, the roof is going to have to be replaced.

Oh, the air conditioner goes out.

All of these things, all of these unexpected things that people share, that people talk about.

Those are what are called sinking funds, right?

You know what?

What a better term than sinking funds, because what you're doing is you're setting aside money that is going to have to be committed to something somewhere.

Now, as we talk about it, there are some of these funds that actually have a date associated with them.

And then there's others that they're going to happen.

We just know they are through our ownership of the things that we have.

We're going to have to pay it.

And even if you are prepared with this money, it's really not a fun area to spend, but better to give it up cash as opposed to put it on credit and have it hanging, hanging, hanging there.

Sinking funds.

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