Dalene Higgins

speaker

13,483 appearances 100 recordings 1 series first heard Dec 2024 last heard 4 Aug

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 — 46 in all, peaking in Oct 2025 with 7.

Appearances

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Wealthy After 40: Retirement Planning and Budgeting for Gen X · 4 Signs of Quiet Financial Stress That Delay Retirement · 7 Jul 2026 podcast

And you say, I'm getting serious.

I'm going to do something about this.

That spending won't happen again because we're flip-flopping between spending and full restriction.

As you restrict, that will slowly fade and you're back into the cycle of spending again.

And as this happens to you, you think it's because of willpower.

I'm not being diligent.

Instead of seeing it as a system of problems.

and not recognizing the true challenge that needs to be solved as why it stays as a quiet sign of stress instead of getting addressed.

Remember, I've talked before about sometimes we think a problem because that's where we feel it most, and we actually need to dial in just a little bit deeper.

That is a very good example for that.

All right, sign number two, restriction as punishment.

You'll spend on something, maybe it's a weekend.

This isn't over several months like the first sign was.

You'll spend on a few things and then maybe as you get home a little bit later, you run a mental tally.

So you are like, okay, that cost X number of dollars.

And now you're recognizing that's money that could have gone to retirement.

That speaking in your head, that talk that is going on is restriction that is more about punishment.

You are somebody who's already responsible.

And this sneaky voice comes in and has you beating yourself up

You're taking measurement against a retirement number that you may not have even calculated yet.

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