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 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 · How Do I Know If I Can Retire? A 6-Point Readiness Check · 6 May 2025 podcast

Definitely, we're still human, but really going through an understanding of all of these areas, what it takes, kind of the roadmap as we talk about this. matched

You know, this will be, okay, do this one, then do this one, then do this. matched

And there's statements within each that kind of say, matched

I've done all of these things. matched

What we're going to do is just review that. matched

It is a scorecard that I'm using in my bootcamp. matched

I will share more about my bootcamp if you haven't listened to the last episode and how this fits in with that three-day experience. matched

To kick off area one of retirement readiness, it's your financial starting point. matched

Within this area, you need to know your current household income. matched

It's surprising how many people don't really know that. matched

The second thing, I know my exact expenses, and I'm gonna use exact loosely because I track them and I understand where my money goes each month. matched

You have this level of awareness of your spending, what it takes to run your household, I talked about that last week, and just really understanding your expenses. matched

Statement number three, I know how much debt I owe and I have a plan to pay it off. matched

The last, I have a savings amount that can support any unexpected expense. matched

These four areas give you an idea of where to start and how to solve. matched

That last one with the savings amount, your emergency fund as some people call it, matched

that can really support those expenses. matched

And these are not even emergencies. matched

Those expenses that are not the monthly, that kind of come sporadically, or they do have a system that they're showing up maybe annually, quarterly, biannually, whatever, but that you have an amount set aside that is not having you dig into your credit card. matched

This is a huge one. matched

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