How to Move From Retirement Fear to Retirement Ready
episodePreviously titled “Ep 167 | How to Move From Retirement Fear to Retirement Ready” — renamed by the publisher on Aug 2, 2026
Wealthy After 40: Retirement Planning and Budgeting for Gen X
16 min
1 speaker
2 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What fears about retirement are Gen Xers most likely to experience?
Let's talk about the retirement you fear. You're worried about running out of money in retirement or not being able to live the lifestyle you want. You're worried that your financial decisions could derail your retirement plans, so you're not even enjoying life right now. This is what retirement you want versus the one you fear are a constant battle in your head, and the fear is winning. Stay tuned for the episode where I will share three steps to move you ahead and start creating the retirement you want. 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 episode. So there is a retirement that you truly want. You are looking forward to no longer having to jump up with the alarm clock, having to go in and punch the time clock. whatever it is, task lists, coworkers, meetings, I don't know. You insert what you're ready to get away from and the retirement you want, where you're going to enjoy X, Y, and Z. And then you're like, but what if it doesn't work out? What if I run out of money? What if I can't do the things that I want to do?
What if, what if, what if? It's a constant worry and fear, and you're not sure what to do and what it is. Is it a battle of the retirement you fear overriding any thoughts about the retirement you truly want? Because last episode, you listened to me and you're trying to think about the retirement you really want, that you desire. And then you're instantly headed into this, oh, but what if I don't know how much I need and I'm not sure how to calculate it. And then you're like, oh, but when I look at my bank account, we can't even make it right now. And I'm not even talking to my spouse about this, this and this with finances. All of that adds to your fear. All of those fears are distracting from that retirement that you truly are trying to want, to desire, and to create.
Does that make sense? Does that sit well? Does that make you go, yep, that's exactly what is happening in my head. How did you know? It's easy for our brains to start doubting, to start, you know, because we want to stay doing what we know works. seen it happen in so many situations that when something major happens, we want to go back to what was working, even though that may not be the best decision anymore. And so what we need to do is we've got to start removing these fears. So what can you do now? What can you do now for some quick results? to start helping ease those fears, ease those worries, maybe actually start talking to your spouse about a few things. So what I want you to do, I want you to identify one fear about retirement.
Now, if you have a list, I want you to write down everything. It's best to just get it out. So whether you're doing this now or later, I want you to either make the list or just focus on one. And I want it to be the one that stands out the most. Probably is the first one you think of. Or maybe the third one. I don't know why I said the third. But there is one of them that is your biggest fear. And I want you to ask yourself these questions.
How does retirement fear show up in day-to-day thinking and relationships?
Why is it keeping you stuck? What is it having you avoid? And why is this your biggest fear? Again, why is this fear keeping you stuck? What is it having you avoid that you're not doing? And why is this your biggest fear? So say your fear is you won't have enough money to retire and it's too late now to do anything about it. The fear that you won't have enough money is keeping you stuck because you believe it's too late to do anything about it. So what do you do? You avoid looking at your numbers, looking at your savings balance, looking at your spending. You avoid the numbers. And this is your biggest fear, right?
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Chapters
2 chaptersSpeakers
1 identifiedMore from Wealthy After 40: Retirement Planning and Budgeting for Gen X
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