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 · Think You’re Behind On Retirement? You’re Not Starting From Zero · 16 Jun 2026 podcast

And so thinking about, okay, I've got money going to savings and I'm paying off debt. voice-verified

If the debt is gone, that's going to close your number quicker as well. voice-verified

You're already taking two action steps at the same time without really knowing it. voice-verified

But the other thing to also think about is, voice-verified

And I know maybe people are going to come out at me for this, but as you think about you're over 40, over 50, and you're headed and planning for retirement, it's not about getting retirement paid off fast. voice-verified

Okay, so let me clarify what I mean by that. voice-verified

If your goal is to have it paid off before retirement, voice-verified

but you also need to grow your savings. voice-verified

At this point, you need to continually be watching as you're stacking. voice-verified

I believe debt snowball, debt avalanche, debt stacking is crucial and key. voice-verified

I love those strategies. voice-verified

But as somebody over, especially over 50, it's time to reassess, like where does that payoff date come? voice-verified

And if it's having you pay off five years before retirement, can we balance to grab more of that money that's going towards debt, put it to savings sooner, because we know that compound interest is a big factor. voice-verified

So understanding the place of time that you are, voice-verified

what your overall goal is, and how all of these elements affect, you can start strategizing differently to then increase your retirement savings, but still continue to pay off debt. voice-verified

And as you function through those next 10 years, you're going to get further ahead with that savings amount by just making a small shift and having somebody look at that with you. voice-verified

So really at this point, I believe get debt paid off as soon as you can, unless you are about 10 years away from retirement. voice-verified

What does the plan say? voice-verified

What does that payoff plan? voice-verified

At this point, balance is key. voice-verified

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