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Money Coach and Retirement Strategist for GenXers

Build a money plan that fits your life and turns your retirement goals into reality

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

Each week, you struggle with the decision of what to do with your money and then second-guess it afterward.

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

And yet shame and guilt quietly creep in, whispering,

“You should be better at this.”

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

  • Shifting money around.

  • Trying to keep everything balanced.

  • Hoping it all holds together without a clear plan to support it.

You’re tired. Tired of the constant worry. Tired of wondering if you’re making the right moves.

Woman in white shirt over black top reviews papers in home office, embodying financial clarity.

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 rework your retirement budget or download another app, let’s take a step back and get clear on your money first.

Book Your

Roadmap to Retirement Call

Give me 30 minutes and I will show you how much you actually need for retirement, so that you can live comfortably without giving up your lifestyle and we’ll figure out if you’re on track to do that.

In this session, you’ll:

  • Figure out if you’re ready for retirement

  • Get clear on exactly how much you need for retirement

  • Know what it will take to get on track for that

  • Including how to make $11k in the next 90 days


“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! It makes me happy to open my spreadsheet and see my progress! And it’s definitely helped me curb my non-essential junk spending.”

— Client BC

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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.

Close-up of a hand dropping a coin into a matte black piggy bank with scattered coins nearby, representing savings.

Ever Feel Like Money Just Disappears?

In this 7-day email challenge, I’ll help you tackle the biggest savings struggle: planning for irregular expenses. By the end, you’ll have a simple system that works for your life, your goals, and your money.

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!

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