Professional headshot of female money coach wearing green top, smiling with highlighted blonde hair.

Money Coach and Retirement Strategist for GenXers

Retirement confidence isn't about saving more, it's about knowing your numbers and having a strategy you trust.

Your goals are personal. Your retirement plan should be too.

Each week, you wonder if what you’re doing with your money is actually moving you closer to retirement.

You make a good income. You know you’re responsible.

And yet shame and guilt quietly creep in, whispering,

“Am I Behind? Am I Too Late?”

You keep moving forward as best you can, but find yourself adjusting…

  • Shifting money between priorities.

  • Trying to keep everything balanced for now and later.

  • Hoping it’s enough without a clear plan to show you it is.

You’re tired. Tired of the constant uncertainty. Tired of wondering if you’re making the right moves for your future.

What you need are clear priorities and a plan you trust, so you can replace your doubt with confident decisions about what to do next.

Because here’s the truth:

I believe retirement is possible for everyone

Half the battle is knowing how much you need to save for retirement. It becomes so much easier to tell if you’re actually on track.

You don’t have to give up your lifestyle.

Retirement and your current lifestyle don’t have to compete, with the right strategy, they can work together.

Before you start trimming your budget or searching for another app to help you save more, it’s time to get clear on your retirement gap and what changes will make the biggest difference.

Get Your Retirement Plan in One Conversation

Retirement Blueprint Call

In 45 minutes, you'll walk away with a retirement plan built around your numbers, not a generic calculator. You'll know exactly how much you need, whether you're on track, and two or three moves that will give you the most momentum right now.

At the end of this call, you’ll have a simple plan :

  • Showing you how much you need for retirement and if you’re on track

  • How to find your monthly savings amount and track progress

  • How to redirect up to $10,000 in savings over 90 days for retirement

  • Which retirement progress lever [savings, debt, or expenses] will create the greatest momentum

  • Two to three action steps so you know exactly what to do next

No more putting it off. No more hoping it works out. Just a clear, simple plan you can trust.

  • "Dalene is so wonderful. She’s patient and understanding and really helps to find clarity when it comes to finances. I’m grateful I have found her!"

    —Kerry

  • “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.”

    —Erin & Ron

  • "So glad I did my work up with you!! I went from paycheck-to-paycheck and making minimum payments on my credit cards to paying off $5k of debt and saving $2500 in 3 months!"

    —Beth

  • “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."

    —Angela

Female podcast host in light green shirt with blonde bob grins happily before desk mic and shelves.

Hi there, I’m Dalene,

I support women and couples over 40 who want to move beyond restrictive budgets and create a personalized money plan that supports intentional spending, consistent savings, and a successful retirement.

I provide you with the clarity, tools, and strategies to take control of your money, eliminate debt, build emergency savings, and maximize every dollar for your enjoyment and spending.

Retirement Ready Hub for GenXers

Join the community to learn how to become retirement ready. I will also help you learn how to accelerate your retirement progress through intentional financial decisions and focused progress levers.

Weekly I share trainings and discussions around current industry ideas that may or may not help you make the progress you need.

Wealthy After 40 Podcast

Cover art for the Wealthy After Forty podcast hosted by Dalene Higgins, showing a smiling blonde woman in green top on light green background with microphone icon.

The podcast for Gen X women and couples who want to feel confident and clear about how to retire, even if you’re starting late or feel behind on your retirement savings.

Each week, you’ll get step-by-step guidance for retirement planning, smart budgeting strategies, and realistic ways to grow your savings, both your emergency fund and retirement savings, without overwhelm.

If you’re ready to stop stressing about money, build a financial plan you trust, and create a future you’re excited about, this podcast is for you.

Join me every Tuesday for a new episode supporting you in reaching retirement!

Explore Most Recent Episodes

Ready to get clear on your retirement path? Book Your Retirement Blueprint Call

In 45 minutes, you'll walk away with a retirement plan built around your numbers, not a generic calculator. You'll know exactly how much you need, whether you're on track, and the two or three moves that will give you the most momentum right now.