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.

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Wealthy After 40: Retirement Planning and Budgeting for Gen X · Why Do You Fear Retirement? The Answer Might Surprise You · 30 Jun 2026 podcast

An anchor to your current expenses. matched

What you're thinking, what does that matter? matched

That is what we're discussing in this episode. matched

With those anchors missing, when you try to think about retirement and making it happen, the fear just gets louder because you have nothing to hold on to. matched

The greatest anchor that you can create now is what does your current life entail? matched

actually cost. matched

I've talked about this before in some other episodes about the cost of your reality. matched

But you're not understanding what your budget is and so what your overall expenses are. matched

You don't feel in control. matched

And without that, you might be assuming a number when I tell you how to calculate what you need for retirement. matched

There is no anchor to make that number anchored in. matched

So most people who are not tracking or really relying on an app or something, you aren't struggling. matched

You've been paying your bills on time. matched

You're handling unexpected expenses without too big of a crisis. matched

Now, we still need to address that, but you're also not struggling with debt because matched

So there has never been a big need in your mind to number one, have a budget and number two, to track because you're fine until you try to think about retirement. matched

So with this fear, you're trying to solve a problem because that's what people like you do. matched

And so you're consuming information that is creating a bigger fear and trying to solve your challenge, trying to solve this. matched

I'm not sure what to do. matched

You are creating a bigger fear and maybe just maybe you're like, OK, I'm going to download a budget template or I'm going to try a new app. matched

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