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

This may be coming from wage increases. matched

This may come from debt payoff, you know, that you have that plan of, okay, this time, or if this happens, then I will increase my retirement savings and continue to do that as much and as often as possible. matched

And the last section or the last thing for this area is that you contribute to retirement accounts first for employer match. matched

Regardless the type of retirement account, we want to get that match first. matched

And then as you feel best fits your retirement strategy, matched

you are saving into other retirement accounts. matched

Really stacking your savings, really exploring the different types of retirement accounts, investment accounts, those types of things will help you increase that savings in many multiple ways. matched

Area number five, plan your retirement paycheck. matched

I know it sounds kind of funny, but we still need to have a paycheck and how it's coming in. matched

Within this, you're going to understand your expected income sources. matched

Where's your income coming in from retirement? matched

Is it just investments? matched

Do you have a pension? matched

And when or if you have social security, how does that fit into creating that paycheck? matched

Secondly, with that, I know when and how to maximize my Social Security benefits, knowing that early withdrawal on age or the full maximum benefit, what that looks like and how to maximize that. matched

And the last one in this is that you have a strategy to withdraw from retirement savings in a tax efficient way. matched

Definitely a financial planner to support you on this. matched

However, gaining an understanding of first the tax brackets. matched

If you're going to draw down and it's going to bump you into that, what would that mean? matched

That's what that statement means of a strategy to kind of put you in what income level, what taxes are you paying? matched

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