How Can You Budget Better? Stop Fighting Your Money System
episodePreviously titled “Ep 143 | How Can I Budget Better? Stop Fighting Your Money System” — renamed by the publisher on Aug 2, 2026
Wealthy After 40: Retirement Planning and Budgeting for Gen X
16 min
1 speaker
3 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
Why do smart, capable women still feel stuck with budgeting and retirement planning?
You've figured out your career, your family, your life, but money still feels like a mystery. If you've ever thought, I should know better by now, this episode is for you. And the honest truth, you're not bad with money. You're just trying to use a system that was never built for how you work and think. Let's talk about why alignment, not more discipline, is the real solution. Welcome to the Wealthy After 40 podcast, the show for Gen X women and couples who are ready to ditch financial stress and feel confident about retirement. I'm your host, Dailene Higgins, financial and retirement coach, helping Gen Xers master their money and create a personalized retirement plan so they can stop spinning their wheels and step boldly into their dream retirement.
If you're feeling behind, don't worry. Continue listening to this podcast as well as be sure to grab your free guide, Five Must Do Steps to Start Retirement Planning Now at elevatefinances.us backslash must do. And remember, let's make retirement possible together. Welcome to the episode. If you have ever thought, what's wrong with me? Why can't I figure out this money thing? You're not alone. I've heard it from many clients and you're definitely not broken. Today we're going to talk about why smart, capable women like you still feel stuck or behind when it and really planning your money as we head into planning for retirement. So you likely feel this way because you've been trying to force yourself into a system, a money system, that doesn't fit with how you naturally think or even live.
It's not a knowledge problem, and I promise learning one more thing will not help you solve, and all of a sudden, magically, it's going to work. By the end of this episode, you'll better understand why your current attempts, your past attempts are backfiring, how to stop beating yourself up about it, and two simple steps you can start taking today to find a money system that actually works for you and not against you. You ready? Let's talk about what is really the problem. I have clients and they're like, very, very intelligent women. They have amassed, you know, some degrees or they have created an amazing company. And when it comes to their money, comes to their personal money, they're saying, what's wrong with me?
You're probably saying the same thing too. What's wrong with me? And you get stuck in this loop as you, every time you attempt to try. And, you know, it's not working. It's not working. You try something. It's not working. And this vicious loop has you feeling ashamed because you are smart. And I hope you know that because other areas of your life you have figured out. raise the family, manage the house, manage the kids growing up to become hopefully productive adults, all of those things. But money to you still feels chaotic, inconsistent, and with a lot of emotions. Before we dive into that any further, I want you to go listen to episode 138, where I talk about why am I bad with money, and I help you get out of that cycle.
If these thoughts really have you stuck, go listen to that episode to help you break that cycle. You're definitely gonna want to do that as well as listening to this episode to begin to find some sure footing with managing your money. That episode, I talk a lot more about mindset, emotions, the way we think. And today, I'm going to help you with the practical side of it. So you've been trying to fit into a system of traditional budgeting, tracking, and And that's why you struggled. And it works for some. That's why you're thinking, why can't I make this work like so-and-so or so-and-so? It seems like it should be easy. They figured it out. But you can't force yourself into something that doesn't. doesn't jive with who you are, the way you think, the way you need your feedback to come back to you.
That's how we get better with money, is managing it and seeing the feedback so that we can continue to move closer to our goals. You've been taught there's only one right way to manage money, and that way doesn't work for your
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Chapters
3 chaptersSpeakers
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