
237: Is It Too Late to Retire on Your Own Terms? A Money Coach Answers the Question Women Are Afraid to Ask
If you’ve ever quietly wondered whether it’s too late to retire the way you actually want — this episode is for you. I sat down with Dalene Higgins, money coach and retirement strategist, who spent over 30 years in government finance before retiring early and turning her expertise into a practice that helps women and couples over 40 build retirement plans they genuinely believe in. Dalene gets real about her own journey — from the “if there’s money in the account, I can spend it” method of budgeting to getting intentional 13 years before her target date — and how she chose the exact day she left based on what she truly wanted her next chapter to look like. We go deep on why retirement planning isn’t just a numbers game — it’s an identity shift. Dalene breaks down what a budget actually gives you (it’s freedom, not restriction), how to set a goalpost even when you don’t know exactly when you want to retire, and why the hardest part of retirement isn’t saving enough money — it’s choosing the day you’re going to leave. Whether you’re just beginning to think about this or you’ve been quietly worrying for years, this conversation is practical, honest, and surprisingly empowering. → Dalene Higgins website: elevatefinances.us → Wealthy After 40 Podcast → Catch Danie on Wealthy After 40 📌 Book an Inner Authority Call with Danie 🔗 Resources from Danie C Muniz: ✨ Subscribe on YouTube ✨ Download the Daily Reset ✨ Download the Daily Spiritual Practice Workbook ✨ Connect with Danie on Instagram ✨ Follow on Facebook 💬 Reflection prompt: If you didn’t have to worry about money, what would the next chapter of your life actually look like — and what is one thing you could do this week to start moving toward it? 💖 If this episode spoke to your soul, share it with your fellow spiritual entrepreneurs. Leave a review, subscribe, and let’s rise together in aligned action. Until next time, my friend...keep shining your unique light! ✨ Danie C. Muniz is the Founder of Sacred CEO, Teacher of Conscious Leadership and Guide for Self-Led Women. Welcome home.💫

