Aligned Money. Confident Retirement.
Build a money plan that fits your life and turns your retirement goals into reality
Individualized financial coaching for women and couples over 40 who are done with restrictive budgets and ready for a personalized money plan that supports consistent savings and a successful retirement.
Hey Friend! I’m Dalene Higgins, Financial Coach and Personal Finance Podcast Host.
If you’re feeling behind or unsure where to start, you’re not alone and you’re in the right place.
After retiring early at age 50, I discovered how powerful a personalized budget can be, not one built on restriction, but on your values and lifestyle.
I help women and couples design a money system that supports your values, lifestyle, and goals, so you can save consistently and make retirement possible.
✨Client Testimonials✨
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“If you’re feeling lost or frustrated with how you’ve been managing money, give this a try. Dalene is patient, knowledgeable, and her system just works. We’re finally planning for the future together.”
Clients E&R
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"Dalene has helped me to view our finances in a totally different way that supports having a "budget" and stewarding our money better without so much loose spending while not actually having to have a strict budget and track all expenses."
Client AQ
I know how confusing and frustrating it can be to feel like you’re doing all the right things but still not making progress. That’s often because the advice out there wasn’t designed with your unique situation in mind.
That’s where my approach is different, and it works!
✨ Plan for the Unexpected
It’s not the daily spending that trips you up, it’s the pop-up expenses that derail your progress.
We’ll plan for the seasonal, occasional, and unexpected, so you stay in control all year long.
✨ Personalized Over Generic
You don’t need to fit into a budgeting system. YOU need a system that fits you.
We’ll design a plan that honors your unique money personality, lifestyle, and values, so it’s flexible and sustainable.
✨ Small Tweaks, Big Results
Already doing some things right? Great!
We’ll keep what’s working and tweak the rest. No need to start from scratch.
✨ Joy Over Guilt
No more cutting everything you love.
We’ll focus on values-based spending that lets you live well now while still saving confidently for the future.
You’ve seen the difference—now let’s turn it into YOUR breakthrough.
Are you wondering if you’re on track for retirement?
Still unsure where your money is going or if it’s going to the right places?
It’s time to clear the fog. You deserve more than generic advice or one-size-fits-all plans.
You deserve a clear, doable path designed for your money, your life, and your version of retirement.
Your First Step?
A Financial Reality Check-Up inside the Retirement Roadmap Session.
The Retirement Roadmap Session
A personalized starting point for a retirement you can feel good about
In this 2-hour private coaching session, we’ll dig into your numbers and map out where your money is going, what’s working, and what needs to shift.
Together, we’ll build a practical plan that:
Puts you in control of your day-to-day spending
Aligns your money habits with your long-term goals
Helps you save consistently without cutting every expense
You’ll walk away with a spending plan that fits your life and a step-by-step action plan to move forward with clarity and confidence.
Client Testimonials
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Client Testimonials 〰️
I get it. You’ve probably tried things before that didn’t work. You might be wondering,
“Will this really help me?”
That’s why I offer a free 20-minute call. No pitch. No pressure. Just a helpful conversation about where you are, what’s keeping you stuck, and whether this is the right fit.
Clarity costs nothing. Book the call and see what’s next.
Not Sure If This Is the Right First Step?
Tune In to the Wealthy After 40 Podcast
A personal finance podcast guiding you to clarity, confidence, and freedom with money after 40.
New episodes drop each Tuesday and Friday.
Come listen, learn, and feel empowered to take the next step closer to retirement.
