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

So I know many individuals, they think that tracking equals restriction with your spending. matched

And I want you to know tracking your numbers does not equal you having to restrict your spending. matched

What it means is that you know where you stand so you can move forward. matched

It explains everything. matched

You know exactly what you're doing now. matched

No shame, no guilt. matched

You know how you're paying your bills. matched

You know how much money you have to spend. matched

And everything else left over is shifted to either savings, retirement savings, or paying off debt. matched

All of those things to help you create retirement. matched

So I'm going to give you three things that's going to help you gain momentum on your journey. matched

So that you can better understand, number one, why you need a budget and other things to track besides just your spending. matched

Because tracking is important, but tracking what is going to support your momentum, your actions, and your progress is what you need. matched

So the first thing is making sure you know your expenses as clear as you can. matched

Because once you know this, you're going to get a better estimated retirement target number. matched

So that's the number you need to save to be able to retire comfortably. matched

And if you're 10, 15 years away, the best way to figure out that number is by using what you're already doing today. matched

As you get closer to retirement, three to five years, you start swapping these expenses to be truly retirement expenses and see how you're landing. matched

But I can guarantee you, as somebody who's walked the walk, these adjustments are very minimal and still within par. matched

Again, we're giving it control, we're giving it matched

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