Your Retirement Journey and My Financial Coaching Why
episodePreviously titled “Ep 164 | Your Retirement Journey and My Financial Coaching Why” — renamed by the publisher on Aug 2, 2026
Wealthy After 40: Retirement Planning and Budgeting for Gen X
16 min
1 speaker
4 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
Why did I decide to become a financial coach after feeling 'stuck' with money?
Have you ever wondered why some people seem to make steady progress toward retirement while others stay stuck even when they earn good money? I used to be in that same stuck place, trying to budget, save, and plan, and never feeling confident it was enough. That's exactly why I became a financial coach. I figured out how to simplify money systems so you can stop spending your wills and actually get to retirement faster with ease and simplicity. Hey there and welcome to Wealthy After 40. I'm Dailene Higgins, your podcast host and financial coach. If you're a Gen X woman or couple who's worried about retirement, maybe you feel like you're starting late or don't have enough saved. you're in the right place.
This show is all about ditching the financial stress and creating a retirement plan that works for your life now and later. So grab your favorite drink, settle in, and let's figure this out together. Welcome to the Wealthy After 40 podcast, where I help you enjoy your money now and later. So about four years ago, I decided it was time for me to actually pull the plug and retire. But that journey had started 13, 15, actually 15 years before that. So as I'm sitting with this, you know, the year prior, end of the year prior, I said to my husband, I'm going to retire. He said, okay, when? I'm like, in a year. And to me, that was safe. I think that's why I said that. A couple of days later, I'm like, I'm not leaving right before winter.
So I ended up choosing August 1st. And I said, you know what? That'll pay honor to my mom. We had just lost her. That would be her year. August 1st is her birth date and her death date, which I know is a rarity. And I'm like, oh my gosh, that would be so good. So good. And so that stuck with me a little bit longer. I would say probably three, four weeks later. And then I said, why am I leaving at the end of summer? Yep, my choosing of my date was all around weather. I am a weather person. I love the heat. I love being warm. I hate being cold. And so I also was like, you know what? I have not had a summer off in a very, very long time. I'm sure you can relate. And so that is when I solidified my June 1st. So as I was like, okay, there's my date.
That's when I'm leaving. I am 50. What the heck am I going to do all day? What the heck am I going to do? So I began thinking and exploring and I came across financial coaching as a job. Now, prior to my retirement, I was a budget manager. I taught cops how to budget money. 22 of them every year. I had to get in line to correlate, to be able to take what they knew they needed and translate it into what the auditors needed. I was the middleman and making sure that happened. So you know what? I love numbers. Numbers has been my thing. I have an accounting degree. I have an MBA. And I just love numbers. As soon as I hear something and I need to make a decision, I usually go the numbers route. You are probably a creative.
You go the creative route. It's however you work. So I'm like, oh my gosh, financial coaching would be so good. Plus, I will have just finished one of my biggest dreams, one of my financial goals, right? I had done several others that I was proud of, but I'm like, man, if I can help people feel this good about achieving their financial goals, that is what I want to do. So I stepped into the space, June 1st, and started working with clients. And that's what I was doing. Whatever goal you want, whatever you want to do, I'm going to help you get there. You want to buy a new house. You want to pay off your debt. You want to do whatever. So as I was a financial coach for a year, year and a half, I realized I had learned so much on my 15-year journey.
If you've listened to episode one, where I share my story, I talk about my entire journey, and I'm not going to cover that here. But I realized that on that journey, every effort I was doing, even though I was making purchases for our short-term goals, every effort was made for me and my husband. He was supposed to retire after me. He actually retired before me. That's a whole different story.
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Chapters
4 chapters
1
Why did I decide to become a financial coach after feeling 'stuck' with money?
0:00–5:20
2
How did I choose my retirement date and what personal factors influenced it?
5:20–11:19
3
What led me to discover financial coaching as a post-retirement purpose?
11:19–12:52
4
How did my background in budgeting and accounting prepare me for coaching clients?
12:52–15:56
Speakers
1 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