What to Expect in the Retirement Ready Bootcamp
episodePreviously titled “Ep 121 | What to Expect in the Retirement Ready Bootcamp” — renamed by the publisher on Aug 2, 2026
Wealthy After 40: Retirement Planning and Budgeting for Gen X
11 min
2 speakers
8 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What is the Retirement Ready Bootcamp and when does this session start?
Today's episode, I'm so excited to share with you what the experience will be like in my retirement-ready boot camp. I hope you'll join me. We kick off on June 3rd at 11 a.m. Mountain Daylight Time. So if you're unable to meet at that time, there will be replays, but give this episode a listen to know specifically what you will learn and what you will walk away with knowing. welcome to wealthy after 40 where i help you turn retirement uncertainty into a clear actionable plan if you're thinking about retirement but feel unsure whether it's even possible i understand the gap between where you are now and where you want to be can feel overwhelming but it doesn't have to
Who is Daylene Higgins and why does her retirement experience matter?
Hi, I'm Daylene Higgins, founder of Elevate Finances and your personal financial coach. Having retired at the age of 50 and have enjoyed over two years of retirement bliss, I'm here to help you create your retirement dream and make it a reality. No more wondering, no more guessing, just taking action and building a future for yourself. Join me each week as I guide you through essential topics such as budgeting, cash flow, lifestyle planning, debt and savings, insurance, Medicare, and social security. Together, we'll build a strategy to help you achieve the retirement you've always desired. It's time to shift from uncertain to unstoppable and make your retirement dreams a reality. The last four episodes, we have covered how budgeting can help you with retirement planning, how to rewrite the three most common retirement fears so that you're able to make a progress.
I've showed you how to assess your retirement readiness. And last week's episode was why creating a vision is the first step in retirement planning. I'm excited to share with you about my Retirement Ready Boot Camp. But before I do, I have a quick story. So I remember sitting in my office early 2000s.
What personal turning point led Daylene to focus on retirement planning?
My new office shortly after starting my new job. I had been with an agency for 17 years. And so as I'm sitting in this office, I quickly calculated how long before I would reach full pension age. A little panic set in. I only had 13 years to get my finances in order and prepare myself for retirement. I'm sure you can relate as you're sitting there thinking, I only have this long.
What five steps did Daylene take to prepare for retirement?
I, you know, a little bit of panic. So I'm going to share with you the things I did. I had been budgeting for a while, but not necessarily, it was not a retirement driven budget. I knew at that time it was time to get serious and focused on retirement. The one thing. So here are the five things that I did. Number one, I continually crafted a budget that was more and more retirement focused. We have to rework those budgets. I made sure I was spending my money where I wanted and freeing up what I could for retirement savings. I spent a lot of time budgeting.
Who is the Retirement Ready Bootcamp for and what will you learn overall?
I really do believe budgets have power and I help my clients really lean into this and understand this. Second, I defined my savings rate. I've talked about that before on the podcast and I worked on increasing that rate as quickly as possible. I believe my rate was right around 10% when I started and in that 13, 15 years, because I did 15 years, I got it up past 20%. I then also created savings not only towards retirement, but for stability as well. I made sure I had my sinking funds ready for any emergency, anything that happened.
What will participants do on Day 1 to assess retirement readiness?
I was able to replace a roof, a home remodel we did, and an air conditioner had to be replaced. Those are just a few things that happened during those 13 years. The fourth thing I did was I learned how to enjoy my money better. In the present, while I was enjoying all the things, but also while still being intentional about preparing for the future. The fifth thing I did, and this is probably where I got most growth, but it could be frustrating, was I spent time reading and learning and asking questions where I could about retirement planning. What do I do next? What does this mean? All of those things. I honestly didn't know if I was on the right path. I had not come across anything that said step one, step two, step three.
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Chapters
8 chapters
1
What is the Retirement Ready Bootcamp and when does this session start?
0:00–0:55
2
Who is Daylene Higgins and why does her retirement experience matter?
0:55–2:26
3
What personal turning point led Daylene to focus on retirement planning?
2:26–2:58
4
What five steps did Daylene take to prepare for retirement?
2:58–3:43
5
Who is the Retirement Ready Bootcamp for and what will you learn overall?
3:43–4:26
6
What will participants do on Day 1 to assess retirement readiness?
4:26–5:23
7
How do Days 2–3 (and the bonus Day 4) help build a retirement plan and close savings gaps?
5:23–6:45
8
How can listeners register, get replays, and continue learning after the bootcamp?
6:45–11:40
Speakers
2 identifiedMore from Wealthy After 40: Retirement Planning and Budgeting for Gen X
How to Overcome Retirement Decision Overload
How to Travel Cheap in Retirement and Still Hit Bucket List Trips w/ Jillian Sidoti
Retire Confidently With a Money System That Works
Retirement Planning for Gen X: 4 Things to Map Out Now
4 Signs of Quiet Financial Stress That Delay Retirement
Why Do You Fear Retirement? The Answer Might Surprise You