Advertise on podcast: Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

[Ep 207] You’ve just realized retirement is coming quickly and now you’re wondering “Am I Behind On Retirement Savings?” You know you’ve been quietly doing, but truly wonder if it’s enough.  This episode will help you understand your true starting point and calculate exactly what you need. Episode Highlights 02:32 Find Your Starting Point 04:46 Rule of 25 Explained 08:20 Update Your Retirement Progress Book a call to see if the retirement strategy session is the best next step for you. Full Show Notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 206] Finding yourself after 40 can feel difficult when you’ve spent years building a career, caring for others, meeting expectations, and doing what you thought you were “supposed” to do. If you’re entering a new season of life and wondering, “What do I want now?”, this episode is for you. In this conversation, I’m joined by Dani Muniz of Sacred CEO, and we explore what happens when the life you’ve built no longer feels fully aligned. You’ll discover why getting quiet, noticing the “clouds” that shape your thinking, and changing the meaning you give to change can help you see your next chapter more clearly. This episode is for women over 40 who are ready to stop living by everyone else’s expectations and start creating a next chapter that actually feels like theirs. Episode Highlights 03:30 Getting Quiet to Hear Yourself 05:52 Emotions as Information 11:50 Finding Clarity Through Opposites 16:41 Why Change Feels Hard Connect with Danie Muniz Website Instagram YouTube Podcast Be sure to grab her Daily Reset guide. Find the full show notes HERE What topic or question would you love answered on the podcast? Register at elevatefinances.us/webinar to start your journey to retire in 5 years. Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 205] You've made the decision to finally get serious about budgeting and tracking for retirement. You know tracking is something you should be doing, yet being consistent is where you fall short. Inside this episode, I share 3 reasons your tracking is inconsistent, and they're probably not what you think. And then I help you find a solution with 3 shifts that make tracking easier, without adding more time or stress to your day. If you're ready for a system that supports your goals instead of working against you, book a money clarity call and we'll talk about where your money is going and how you can track it better. Episode Highlights 00:00 Why Your Tracking Efforts Fais 03:00 Reason One - The Perfection Trap 07:16 Fix Two - Allow Broader Categories Full Show Notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 204] Gen X, when you think about retirement, the excitement fades fast once you remember everything you still need and want to do before then. Your retirement mindset immediately gets stuck in "I can't do it all," and that thinking is exactly what keeps you frozen instead of moving forward. Inside this episode, I share why that overwhelm shows up in the first place and how knowing your numbers can help you shift from feeling to facts.  If you're ready to stop guessing and start moving toward your goals, book a money clarity call where we'll dive into where your money is going and how a system can help you reach your goals. Episode Highlights 00:29 Break All Or Nothing Mindset 04:27 Evaluate And Know Your Numbers 09:59 Prioritize Your Goals For Action Full Show Notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 203] You’re paying off debt to get retirement ready. The extra you are able to pay each month is making a difference, but occasionally you still find yourself adding to the balance instead of paying it down. In this episode, I share how debt competes with your ability to save for retirement, three risks debt poses to your retirement, and how to break the cycle of relying on credit cards to cover expenses. If you're being responsible with your money but still find yourself adding to the credit card balance more often than you'd like, this episode is for you. Episode Highlights 00:00 Debt Cycle Stress 03:53 Three Retirement Ready Risks 08:41 Build A Cash Flow Management System 09:32 Break the Cycle of Credit Card Reliance Related Episode(s): Episode 182 Read full show notes HERE Book your free money clarity call to get a clear plan for tackling debt and getting retirement ready. What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 202] Your retirement health might be the single biggest wildcard in your plan, and most pre-retirees are quietly terrified it'll drain everything they've worked for.  So what actually protects you here: more savings, better habits, or something you haven't thought of yet?  In this episode, I’m joined by Jenny Smith, and we break down how to protect your health, the habits to start now (before you need them), and why stress might be damaging your nest egg more than you realize. Episode Highlights [02:10] Protect Your Retirement Health  [05:00] Why Prevention Matters [10:20] High Impact Health Habits [20:10] Save Money With Meal Planning & Prep [27:00] Quick Stress Reduction Practices Connect with Guest Jenny Smith: Website Instagram Download her Protein Guide Full show notes can be found HERE What topic or question would you love answered on the podcast? Register at elevatefinances.us/webinar to start your journey to retire in 5 years. Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

The quiet excuse underneath all the others. In this mini episode, Dalene shows what "later" actually means and what to do instead. Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

Organizing your money and building a retirement plan aren't the same thing. In this mini episode, Dalene explains the difference and why one of them keeps you stuck.  Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

Saving is only one piece of the puzzle and it's usually not the one with the most room to move. In this mini episode, Dalene shares what else you can control to boost your savings. Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement   What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

Why you feel overwhelmed and what to do instead. Overwhelmed isn't the same as stuck. In this mini episode, Dalene walks you through what you should do to start taking action. Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

You're not behind! You just don't have a plan yet.  In this episode, Dalene breaks down why "behind" is a feeling, not a fact, and what it actually takes to close the gap.  Are You On Track To Retire? 5-day event to get you on track to retire in 5 years Register today to begin creating your roadmap to retirement What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 201] Budgeting for retirement can feel impossible when you’re already watching every dollar. You’ve cut back on eating out, you’re not shopping as much, and you still wonder, Where am I supposed to find extra money to save for retirement? If you keep waiting for “extra money” to save for retirement, you may be missing opportunities you have right now. In this episode, we’ll shift how you think about “extra” money and uncover where your savings potential may already exist without simply telling you to cut more from your life. If you’re a Gen Xer who wants to save more for retirement and you’re tired of waiting, book Your Retirement Strategy Session now. Episode Highlights 00:00 Stop Waiting to Save for Retirement at 40 03:52 How to Budget to Find Savings 04:46 A Real Client's Savings Wins 07:13 Find Savings Within Your Expenses 09:43 Shift Your Retirement Mindset For Potential Savings Read Full Show Notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 200] If you've ever thought retirement planning was complicated or overwhelming, this episode is for you. In this episode, I'm sharing the five essential elements of the retirement planning process that will help you stop guessing and start making confident retirement decisions.  By the end of this episode, you'll learn how to use your numbers to create a simple plan, identify your biggest retirement gap, and know exactly where to take action first. Episode Highlights 00:00 Retirement Plan Overview 01:30 Start With Your Retirement Vision 03:16 Find Your Retirement Number 04:54 Budget As The System 06:14 Pick One Retirement Action 07:51 Build A Quarterly Rhythm 11:18 Episode 200 Giveaway Full Show Notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 199] When you ask, "How much do I need to retire?" you're asking the wrong question first. In this episode, I'm sharing why retirement isn't one big decision, it's hundreds of small decisions that shape your future. Instead of chasing one magic number, you'll learn why the better question to ask is, "What kind of retirement do I want?" From there, every financial decision becomes clearer. By the end of this episode, you'll understand how gathering the right information, not searching for one perfect answer, helps you make confident retirement decisions, create a realistic plan, and move closer to the retirement you actually want. In this episode you’ll learn: Why retirement feels so confusing even when you're consistently saving. (Ep 193 - Why Your Retirement Number Should Be Personalized dives deeper into this concept.)The biggest mistake people make when planning for retirement that may be keeping you stuck in overthinking and not taking action.How to identify the next financial decision that will move you closer to retirement.A simple way to start creating a retirement plan by focusing on your vision before your numbers. Episode Highlights 00:00 Retirement Is Many Decisions 03:44 Start With Retirement Clarity 04:16 Steps To Retirement Planning 06:56 Five Retirement Actions 10:00 The Only Big Retirement Decision 12:01 How To Take Action Link to full show notes HERE What topic or question would you love answered on the podcast? Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/

[Ep 198] Worried that travel in retirement will either drain your savings or shrink your adventure list to the same beach every year? You can see the world on a budget that fits a real retirement plan, and this episode shows Gen X women and couples exactly how it works. Jillian Sidoti, a former attorney and co-founder of Last Life Ever, walks through how to travel cheaply in retirement without giving up the trips that actually matter. She shares the credit card points strategy that has covered hotels in Dubai and Tanzania, the cheap destinations where your dollar goes the furthest (Vietnam, Bali, Egypt, Tanzania), why booking during off-peak weeks changes the whole experience, and how to find real adventure close to home when a transatlantic flight is off the table. If you're a GenXer who wants travel to be part of your retirement plan instead of a maybe-someday line item, this one is for you. Grab Jillian's trip details and connect with her in the show notes. 01:54 - From attorney to travel entrepreneur 07:15 - First steps when you dream of traveling more 12:02 - Credit card points made simple 16:35 - Adventure close to home 21:24 - Inside the Dominican Republic and Egypt trips 24:55 - Start small, make it extraordinary Connect with Jillian Ivey Sidoti Website  Instagram Tiktok Facebook Check out the show notes and other resources at https://www.elevatefinances.us/blog/how-to-travel-cheap-in-retirement What topic or question would you love answered on the podcast? Register at elevatefinances.us/webinar to start your journey to retire in 5 years. Not sure what you need to do to make retirement happen?  Let’s identify your priorities and next steps in a Retirement Strategy Session. Book your session today. Looking to learn more about being retirement ready? Join the Facebook community Retirement Ready Hub to continue the conversation and learn how to accelerate your retirement progress. Are you stuck trying save, budget, or know what to do next for retirement? Get real answers on a Money Momentum call. Book yours today. Connect with me on Social! Instagram https://www.instagram.com/elevate_finances/