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

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

Book Your

Retirement Strategy Session

Give me 2 hours, and we’ll map out exactly how much you need for retirement, create a plan to get you there without sacrificing your lifestyle, and determine whether you’re truly on track.

During this session you’ll:

  • Know exactly what you need for retirement and where you stand today

  • Create a plan to unlock up to $11K in the next 90 days and put it on repeat

  • Identify the smartest ways to fast-track your retirement timeline, even aiming to retire by 60

  • And tackle your most pressing money challenge in real time, creating a clearer path forward.

If you’re ready to stop hoping things work out and start creating a clear plan for your future, this is your next step.


“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

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.

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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