Explore every episode of the podcast Wealthy After 40: Personal Finance, Budgeting, Retirement Planning, Savings, Spending, Financial Freedom, and How to Retire f

When it comes to saving for retirement, do you feel paralyzed by the big picture? Maybe you’re staring down $500K, $750K, or even $1 million and thinking, “That’s impossible.” The truth is, it’s not. The key is breaking those big goals into smaller, doable chunks. 

In this episode, I’ll share how my Milestone Method will help make your money goals tangible, actionable, and achievable.

What you’ll learn in this episode:

✅ Why big retirement goals feel overwhelming (and how to fix it)

✅ The power of milestones and 90-day targets

✅ How “opportunity cycles” fuel your financial progress

✅ Why feedback is more valuable than perfection

✅ How to build confidence by hitting small, realistic money wins

✅ A step-by-step way to make retirement goals achievable

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Have you ever caught yourself thinking, “I’ll never have enough to retire,” “I’ve got too much debt to pay off,” or even “It’s too late for me to catch up”? These thoughts feel true, but they’re actually myths that quietly keep you stuck. 

In this episode, I’ll help you uncover the sneaky stories your brain tells you to keep you “safe,” and how to start rewriting them so you can move toward the retirement you want.

What you’ll learn in this episode:

✅ What limiting beliefs are and where they come from

✅ Why your brain holds onto myths (and how it thinks it’s keeping you safe)

✅ Three common retirement myths you may believe

✅ Why these thoughts stall your progress toward retirement

✅ Simple steps to rewrite your story and rewire your brain

✅ How pairing new beliefs with small actions builds confidence and momentum

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Do you have a retirement goal, but it feels fuzzy? This may be one area that, once you get clear and defined, you realize there is no stopping your progress. In this episode, I will share 3 steps to create more specific goals for your money journey

What You’ll Learn in This Episode:

✅ Why vague goals keep you stuck and how to shift them into clear statements

✅ Two key elements to make your money goals specific 

✅ How to test if your goal is realistic (and what to do if it’s not)

✅ The power of breaking big financial goals into milestones

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Clarity with where your money is going today is essential to you achieving your retirement goal. If you are worried about how to reach retirement or how to save enough money this episode will help you understand if you should be reducing expenses, paying off debt, or doubling down on savings.

What you’ll learn:

✅ How to evaluate your current financial reality 

✅ Why clarity matters before action 

✅ A three point reflection every retirement plan needs

✅ Where your first focus should be right now 

Related Episodes:

Ep 66 - Why Budgeting Isn’t Enough And What You're Leaving Out

Ep 102 - Redefining Your Debt Relationship and Taking Control For Retirement

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Ever feel like you’re falling behind financially no matter how hard you work or how much you accomplish?

In this episode, I’m sharing the story of a client who went from stuck in comparison mode to building real confidence and momentum with her money. She was running a thriving business, yet felt like a failure because she kept measuring herself against other people’s retirement accounts, debt-free milestones, and dream vacations. 

The truth is, when you’re busy comparing your finances to someone else’s highlight reel, you lose sight of the only numbers that actually matter: your own. Tune in to learn how she shifted from unsettled to successful, and how you can start finding progress and peace in your own financial journey.

What you’ll learn in this episode:

✅ Why comparing your finances to others keeps you stuck and frustrated

✅ How to measure financial progress the right way (and what numbers to focus on)

✅ A simple two-step process to stop comparison and start building confidence

✅ How one client went from unsettled and overwhelmed to making real financial progress

✅ Practical money tips for finding success on your retirement journey

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

If you’ve ever thought, “What’s wrong with me? Why can’t I figure this money thing out?” 

Inside this episode, I dive into why smart, capable women still feel stuck, stressed about money, and behind when it comes to budgeting and saving. Spoiler: It’s not about more discipline or more knowledge, it’s about finding a budgeting system that fits who you are.

What you’ll learn:

✅ Why budgeting and saving money the traditional way often doesn’t work for you

✅ How to stop feeling stressed about money by finding a system that fits you

✅ What signs show you need a new approach to budgeting 

✅ Two simple steps to start budgeting better and saving money 

Related Episodes:

Ep 138 - Why Am I Bad With Money? 4 Mindset Shifts to Help You Move Forward

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’re worried about retirement but yet you haven’t changed what you’re doing with your money. Are you hoping your retirement will magically work out, even though you don’t use a budget and you have no idea where your money’s going? 

In this episode, I’m calling out the real reason you’re stuck and the one step that can change everything.

What You’ll Learn:

✅ Why being worried about retirement won’t fix a thing

✅ Why waiting can created a serious wall and not a set back

✅ The powerful difference mindset and action make

✅ The bold truth about the biggest lie holding you back

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

If saving for retirement feels like one big question mark, this episode is for you. In this episode, I am sharing 5 tips for saving for retirement specifically to help you save more. So if you’re looking for ways on how to save enough for retirement, these tips are for you. Some might sound familiar, but I promise a few will surprise you. 

What You’ll Learn:

✅ Why chasing the “perfect” strategy delays real progress

✅ How to save enough for retirement using small actions

✅ Tips for saving for retirement without cutting what you love

✅ The hidden cost of investment fees (and how to take that money back)

✅ A simple way to challenge yourself and boost savings consistently

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Feeling like you’re late to the savings game? I promise, it’s not too late. 

This episode is all about how to start saving for retirement. Whether you’ve saved a little or not at all, we’re going back to the basics so you can consistently save for retirement at 40. 

What You’ll Learn:

✅ Why saving for retirement at 40 (or even 50) is still possible

✅ The 4 S’s that help you be consistent with saving money 

✅ How to start saving money for retirement with realistic steps

✅ How to save with style and why that may be the piece you’re missing

✅ A mindset shift that will help you take action and stop playing catch-up

Related Episodes:

Episode 30 - Savings The #1 Habit to Financial Security

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Are you doing enough for retirement? You may be thinking, how do I start my retirement process. Retirement isn’t just about saving money there’s definitely some other things to know about retirement. In this episode, I share with you four (4) things you need to know about retirement planning that go beyond just contributing to your 401(k).

What You’ll Learn:

✅ Why starting your retirement process early gives you more freedom and control

✅ A simple way to define your retirement vision and set a flexible retirement timeline

✅ The #1 mindset shift to make if you’re only focused on saving

✅ How your current lifestyle directly impacts your future lifestyle

✅ How to use your FI number to build a retirement plan that fits your life

Related Episodes:

Episode 116 - A Retirement Ready VIP Session Experience

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Why am I bad with money? If you’ve ever asked yourself that question or told yourself “I’m just bad with money”, this episode is for you. 

The truth: it’s not a lack of tools or knowledge that keeps you stuck. More often, it’s shame. And that shame keeps you frozen, second-guessing every decision and avoiding the very habits that could help you grow.

In this episode, you’ll learn:

✅ How to recognize financial shame or guilt and the difference

✅ Why saying “I’m bad with money” keeps you stuck and how to shift that belief

✅ Why compassion is more powerful than discipline when it comes to budgeting

✅ Four ways to release shame and make progress with your money

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

How do you stop overspending money even when you’re tracking and knowing where your money is going? Control happens at the decision-making stage not when you review your expenses and “see your overspending”. 

This episode will help you understand why knowing where your money goes isn’t the same as being in control and what you should do instead to help you stop overspending. 

What You’ll Learn:

✅ What is Overspending 

✅ Are You Truly Overspending

✅ Why You Overspend Even When Using A Budget

✅ 3 Actions To Help You Stop Overspending

Related Episodes:

Episode 133 - How to Create a Budget and Stick to It (Even When Life Goes Off Track)

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Thinking about investing for retirement? Don’t skip the most important first step. Before you put money in the market, you need a plan that protects your future and your peace of mind.

If you’re wondering how to invest for retirement or where to start investing with little money, this episode will guide you through the three smart steps to take before you invest, so that your future growth is secure and sustainable.

What You’ll Learn in This Episode:

✅ Why jumping into investing too soon can backfire

✅ The saving rule that makes investing work for you

✅ How to build a strong financial cushion (and why you need one)

✅ The truth about emergency funds vs. investments

✅ What to do if you don’t have a 401(k) or match

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

If you feel like you’re late to the retirement game and don’t have much saved… you’re not alone. But here’s the truth. This isn’t just about balancing bills and savings anymore. You’re on a mission and every dollar you spend (or save) matters. The solution isn’t another tight budget. It’s clarity, alignment, and strategy.

In This Episode, You’ll Learn:

✅ Why your retirement savings problem isn’t just about needing to “save more”

✅ The key mindset shift that helps you stop feeling restricted

✅ Tips for saving for retirement that actually work 

✅ The 4-step process I use with clients to find hidden savings

✅ How to align your spending with what matters most without sacrificing joy

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

If you’ve ever thought, “I need a side hustle” or “What side hustle can I do?”, this episode is packed with inspiration and practical advice.

My guest, Chloe Winstanley, shares how she turned her passion for crafting into a successful side business. What started as selling polymer clay earrings online during the pandemic has now grown into hosting multi-craft workshops in both New Zealand and Seattle.

In this episode, you’ll learn:

✅ How to start a side hustle that aligns with your creativity and lifestyle

✅ Tips for running successful craft fairs and in-person workshops

✅ How to pivot during tough seasons and keep showing up

✅ What to consider when trying to make money with a side hustle

✅ The value of persistence, community, and connecting with others along the way

If you’re curious about starting something of your own, be sure to connect with Chloe:

Instagram: www.instagram.com/100kartist

Website: http://www.100kartist.com

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’re trying your best to budget, but every month you overspend at least one category, right? But let me ask you, did you create your budget with a crystal ball? If you’ve ever given up on budgeting because “it never goes to plan,” this one’s for you. 

In this episode, I’m sharing 3 powerful mindset shifts and practical steps that will help you build a better budget.

What you’ll learn:

✅ Why your budget should be a plan, not a prediction

✅ How to stop seeing overspending as failure and use it as feedback

✅ What tracking your expenses will help you do

✅ How to budget successfully long-term (hint: it’s not restriction)

Additional resources:

Episode 66 - Why Budgeting Isn’t Enough And What You're Leaving Out

Episode 67 - Why Avoiding Budgets Can Lead to Missing Out

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Have you ever felt guilty for spending money on something you love because you think it’s keeping you from being successful with money? It’s not about how to spend less and save more, but how to spend money without guilt.

Here’s what you’ll learn: 

✅ Why skipping the $5 coffee isn’t the answer and what actually helps you save money for retirement

✅ How to shift your mindset from restriction to intention when it comes to spending and saving

✅ A simple framework to align your spending with what matters most so you can save wisely and enjoy your money

✅ The key step most people miss when trying to figure out how to save money and spend wisely and how to fix it

Additional resources:

Ep 68 How My Client Learned to Spend More On Herself

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Feeling overwhelmed by everything you think you need to do before you retire? In this episode, I’m helping you calm that retirement anxiety by narrowing your focus. Instead of juggling a long list of to-dos, I’ll show you how choosing just one thing, like paying off your mortgage, can create momentum.

Here’s what we’ll cover:

✅ How to acknowledge and navigate retirement overwhelm

✅ Why simplifying your focus helps reduce retirement anxiety

✅ The power of choosing one goal, such as paying off your mortgage

✅ How to build a simple plan and track your progress toward retirement

If anxiety about retirement is keeping you stuck, this episode will help you take a breath, get clear, and move forward with purpose.

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this episode, Drew Boyer, a CFP, shares his journey in the financial industry, the inspiration behind his book 'Hip Hop X Finance,' and practical advice for managing personal finances.

✅ The Inspiration Behind 'Hip Hop x Finance'

✅ Financial Lessons from Hip Hop

✅ Drew's Personal Financial Struggles

✅ Financial Education and Early Lessons

✅ Advice for Overcoming Financial Challenges

Connect with Drew Boyer

https://www.facebook.com/hiphopxfinance/

https://www.tiktok.com/@hiphopxfinance

https://www.instagram.com/hiphopxfinance/

https://hiphopxfinance.com/

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

What if your spouse, or even you, wants to retire sooner than planned? 

In this episode, I’m walking you through what to consider before saying yes to early retirement and how to start running the numbers. If you’ve ever asked yourself, “How do I know if I can retire?”, you’re in the right place. 

In this episode, you’ll learn:

✅ 3 questions to explore early retirement readiness

✅ How to calculate income replacement

✅ Why a clear budget gives you confidence to take bold steps

✅ How to run a simple “what if” scenario with your real numbers

Episodes Mentioned:

Ep 125 - What If You’re Closer to Retirement Than You Think?

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’ve been told to save for retirement and then just retire. But what about everything in between? What should you be doing now to make sure retirement actually happens? In this episode, I’ll share 3 steps to start your retirement planning process today.

In this episode, you’ll learn:

✅ What is retirement planning 

✅ How to get clear on your current finances 

✅ Why that directly impacts how much you’ll need in retirement

✅ Why defining your ideal retirement and timeline matters

✅ How to start budgeting for both 

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You want to retire, but the more you think about it, the more worried you become. Some days, you find yourself doubting retirement altogether. In this episode, I share why I stand by the belief that if you believe you can, you will. This episode will help you get unstuck and find a way to take action. 

In this episode, you’ll learn:

✅Why doubt is the biggest hurdle to feeling retirement-ready

✅ How to uncover the limiting beliefs that are fueling your fear

✅How to shift your mindset so you can take action

Additional resources:

Episode 63 - Why You Feel Broke and How to Manage Your Cash Flow Effectively

Episode 124 - How to Budget for Retirement Without Sacrifices

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Tired of surprise expenses stealing your savings? Learn how the sinking fund approach can protect your savings and get you back on track for retirement.

Increasing your financial stability is key to reaching financial freedom.

What You’ll Learn in This Episode:

•Why unexpected expenses are the biggest stumbling block to retirement

•How the sinking fund method will help you protect your savings 

•3 steps to grow your sinking funds with purpose and ease

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Think you’re not ready to retire? That fear might be lying to you. Tune in and find out why you could be closer than you think.

It's time to tell that little voice in your head that you're ready to do this!

What You’ll Learn in This Episode:

•A simple 3-part check to determine if you’re ready to retire 

•The truth about saving for retirement, even if it feels like it’s not enough

•How asking questions like “When can I retire?” leads to clarity

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Will we have to cut back so much that we don’t enjoy retirement? This may be a fear you have about retiring. 

In today’s episode, I’m going to share 3 steps to help you budget for retirement and be sure you don’t sacrifice your current lifestyle.

What you’ll learn:

✅ “Living on less” is just a limiting belief

✅ Fear of restriction comes from lack of clarity

✅ 3 steps to plan your ideal retirement lifestyle

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’ve just started thinking about retirement. You ask yourself: Am I on track for retirement OR How do I start planning for retirement? 

I’ve got you covered! In this episode, I share 5 must-do steps to help you get ready for retirement.

These steps are simple, but they’re powerful. And they’re exactly where you begin.

What You’ll Learn:

✅ How to ditch the overwhelm from Google overload

✅ Get 5 clear starting steps for retirement planning

✅ How to find your next best move

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In today’s episode, I’m diving into the importance of saving money and how this single habit can completely transform your financial journey. If you’ve ever wondered why saving is such a big deal or how to actually stick with it, this episode will give you all you need to know. 

I’ll walk you through eight (8) powerful reasons why the importance of a strong saving habit is key to managing money with confidence. From eliminating debt to growing your wealth, saving consistently is a foundational skill you don’t want to overlook.

You’ll also hear practical tips on how to develop a saving habit, plus how to overcome the common obstacles that can stand in your way.

What You’ll Learn

✅ Why the importance of saving money goes far beyond just having an emergency fund

✅ The real value behind developing a saving habit even if you’re starting small

✅ Actionable strategies to build consistency and become the saver you want to be

✅ Mindset shifts and simple tools to overcome the excuses that have kept you stuck

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

What does it really take to retire with both financial freedom and a sense of purpose? In this episode, I’m joined by Bryan Huhn who shares how his journey from the corporate grind to purpose-driven work reshaped his entire outlook on money and retirement. From investment strategies to liquidity planning, Bryan offers practical advice and personal stories that will inspire you to think differently about your own financial path. 

What You’ll Learn:

✅ Why mindset shifts around money are crucial for financial freedom

✅ How embracing minimalism can boost both joy and wealth

✅ The role of diversified investments and emergency liquidity

✅ How to align work with passion especially near retirement

✅ Why your retirement plan needs more than just savings goals

Connect with Bryan:

LinkedIn

Website

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this episode, I’m giving you a behind-the-scenes look at the Retirement Ready Bootcamp, a 3-day experience designed to help you understand all elements of retirement planning and what to do next.

I’ll share:

✅ What I wish I had when I started my own retirement journey

✅ Why I created this Bootcamp for people just like you

✅ Why this might be the most important next step you take for your future

If you’re ready for clear steps, practical support, and a no-pressure space to get started on your retirement plan, you won’t want to miss this episode.

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Where do I start with retirement planning? How do I start a retirement plan? The best place to begin is by dreaming. 

Creating a vision for your ideal retirement gives you a clear target to aim for. It shapes the direction of your retirement plan and helps you understand what you’re truly working toward.

What You'll Learn:

✅ Why creating a vision is the first step in retirement planning

✅ How your vision guides and shapes your entire retirement plan

✅ What to do next once your vision is clear

This episode will help you gain clarity on the first few steps in how to start planning for retirement.

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’re asking, how do I know if I can retire? This episode helps you get ready for retirement by assessing 6 key areas of readiness.

What you’ll learn in this episode:

✅ How current finances affect retirement planning

✅ How to prepare for retirement budgeting and lifestyle

✅ Understanding savings and debt now and in retirement

✅ Grow your knowledge to get ready for retirement

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Greg Luken joins me in today’s episode discussing how to become wealthy in life. Sharing what he has learned by working with several individuals who are first generation wealth, Greg has defined three key superpowers as the driver of this wealth. 

What you’ll learn in this episode:

✅ How people who didn’t grow up with money built wealth

✅ Financial and emotional challenges on your wealth journey

✅ The three key superpowers to amass wealth

✅ How to stay inspired and focused on your wealth journey

Connect with Greg:

Luken Wealth Management

Unleash Your Financial Superpowers

Facebook

LinkedIn

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this podcast episode, I discuss 3 retirement fears and limiting money beliefs that can keep you stuck with retirement planning. This episode will support you in how to rewrite those beliefs and take control of your finances for a successful retirement. 

What you’ll learn in the episode:

✅ Identify what are some limiting beliefs around money that hold you back in retirement planning

✅ Understand common limiting beliefs like “I don’t have enough money” or “I haven’t saved enough”

✅ Learn how to change limiting beliefs with factual evidence and a clear financial system

✅ Discover the power of overcoming limiting beliefs by tracking your cash flow and setting realistic goals

Resources mentioned:

Episode 116 A Retirement Ready VIP Session Experience

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this episode, Certified Divorce Financial Analyst Melissa Murphy Pavone sheds light on the often-overlooked role of the “non-CFO spouse” during divorce. Melissa shares how her personal story shaped her mission to empower individuals, especially women, who have traditionally managed day-to-day finances but feel lost or excluded when it comes to long-term financial planning. In this discussion, we dive into collaborative divorce, a lesser-known but incredibly empowering option that keeps families out of court and centers respectful, creative solutions. 

What You’ll Learn in This Episode:

✅ What a divorce financial analyst does and why it matters
✅ How a divorce financial expert can help you avoid costly mistakes
✅ The benefits of a collaborative divorce over a traditional approach
✅ How collaborative divorce works and who it’s for
✅ Why financial planning is key to a smoother, more empowered split

Melissa Murphy Pavone CFP®, CDFA®
Founder I Financial Planner, Mindful Financial Partners
(631) 903-8282
melissa@mindfulfinancialpartners.com
www.mindfulfinancialpartners.com

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Budgeting for retirement is essential. In this episode, I will share why budgeting is important and how budgeting can help you with retirement planning. It’s time to quit thinking about budgeting as being restrictive but as your key to retirement. 

What We’ll Cover:

✅ Why budgeting is important for retirement success

✅ How budgeting works to give you financial clarity

✅ The key elements of a strong retirement budget

✅ What a budget can help you do to reach your goals

✅ How to make budgeting for retirement simple and effective

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Do you ever wonder Am I ready to retire? or How do I know if I can retire? In this episode, I take you inside a Retirement Ready VIP Session, where I helped a client get clear on her numbers, eased her worries, and provided action steps to move her forward on her retirement planning journey. If you’re ready to retire with confidence, this is for you!

What You’ll Learn:

✅ What Happens in a VIP Session – A behind-the-scenes look at how a Retirement Ready VIP Session works, what you can experience, and how it will support you to get ready for retirement. 

✅ How Do I Know If I Can Retire – Learn how to calculate your Financial Independence (FI) number, why it matters, and how to close the gap.

✅ Build a Structured Savings Strategy – Gain insight into sinking funds, emergency savings, and how to plan for non-monthly expenses. 

✅ The Mortgage Payoff Debate – Discover different perspectives on paying off your mortgage before retirement and how to decide what’s right for you.

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Wondering how much you need to retire? Should you pay off debt before saving? How much should you save each month? In this Q&A episode, I discuss your biggest retirement planning questions to help you gain clarity on your retirement planning journey.

What you’ll learn from the episode:

✔️ How much money do you need to retire?

✔️ Should you pay off debt before saving for retirement?

✔️ How much should you save each month?

✔️ When should you start taking Social Security benefits?

Got more questions about retirement? Use the link in the show notes to submit yours for a future episode! Need a personalized plan? Book a free Q&A call, and let’s find your retirement answers together!

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Inflation isn’t going away, but you can take control of your financial future. In this episode, I’ll specifically share how to protect yourself from inflation. In this episode, I will share two components to help protect you against the rising cost of living and lessen your worry about retirement planning. Learn how to create your own economy so you can navigate rising costs and stay on track for retirement.

Within this episode you’ll learn:

✅ Personal finance strategies to protect yourself

✅ How to create your own economy

✅ Why saving for unexpected expenses is crucial

✅ How to create financial stability and get ready for retirement

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Feeling overwhelmed by budgeting, retirement planning, or managing money? In this episode, my guest Jackie Randall Lentz, a former mental health counselor turned life coach, chat about how to self-coach your way to financial confidence. We explore why personal finance is so important, how to plan effectively, and the best personal finance tools to take control of your future.

What You’ll Learn in This Episode:

✅ How to Self-Coach: Learn how your financial beliefs, formed as early as childhood, may be holding you back and how to rewrite those stories for a healthier money mindset.

✅ How to Plan Personal Finances Without the Overwhelm: Jackie shares strategies to break free from fear and self-doubt while creating a clear financial plan. 

✅ How Vision Impacts Confidence: Jackie and I explore how retirement isn’t just an “end” but an opportunity to step into something new and meaningful.

✅ Give Yourself Permission to Dream: We discuss why allowing yourself to envision possibilities beyond traditional retirement can open doors to greater fulfillment and financial security.

Connect with Jackie

Facebook

Pray, Play, and Get Paid Podcast

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Do you find yourself asking, Why do I keep spending money? or struggling to control your spending habits? In this episode, I dive into how to improve spending habits by aligning your money with your long-term goals. Learn why self-awareness is important, how to make intentional choices, to create a balance of spending now and preparing for retirement. 

What You’ll Learn in This Episode:

✅ How to Improve Spending Habits – By aligning with your long-term goals and current values, you will naturally improve your spending habits. 

✅ Why Self-Awareness Is Key for Controlling Spending Habits – Learn how to bring awareness to your spending by making mindful decisions and break free from impulsive purchases.

✅ Understand the Role of Spending – Learn the three areas of spending to better understand and be aware of your need to spend. 

✅ How to Control Spending Habits – From everyday purchases to big financial decisions, discover simple strategies to align spending with what truly matters.

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this episode, I am joined by Joseph Lombardi of Iron Hawk Financial. He shares his personal story to demonstrate why life insurance is important. He also educates us about whole life insurance as an investment, how it works, and the tax advantages. This isn’t a dry conversation about life insurance. Joseph is quite the entertainer! 

What you’ll learn in this episode:

✅ Learn about why life insurance is important from the guest personal life.

✅ Learn how much life insurance you may need as well as life insurance options.

✅ Learn the different long-term care strategies and how to protect your financial future.

✅ Learn about whole life insurance as an investment, tax advantages, and a tax deduction.

Connect with Joseph Lombardi

Website

Facebook

LinkedIn

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Feeling overwhelmed about how to improve your finances? In today’s episode, I’m breaking down how to complete a personal finance audit in a simple, actionable way. No complicated spreadsheets are required. This personal finance audit is just one way to not only improve your personal finances but help you get ready for retirement. 

What You’ll Learn in This Episode:

🔹 Learn how to categorize and track your expenses, from fixed bills to everyday spending like groceries, fuel, and entertainment. I’ll show you how to spot opportunities to improve your personal finance situation without feeling restricted.

🔹 Find out how to calculate your current savings percentage and why it’s a key indicator of financial stability. Plus, I’ll share a powerful mindset shift to help you balance saving for today while also preparing for your retirement.

🔹 Debt vs. Savings: I dive into the age-old debate of whether to save for retirement or pay off debt. Listen in as I share a real-life client scenario and how we determined the best approach for her financial situation and retirement goals.

If today’s episode sparks the need for deeper financial insight, I invite you to join my Retirement Ready VIP Session, where we take a detailed, personalized approach to your financial audit and create a clear plan forward.

Mentioned in This Episode:

🎧 Episode 30: Why Savings is the #1 Financial Habit

🎧 Episode 5: Should You Pay Off Debt or Save?

🎧 Episode 102: Redefining Your Debt Relationship and Taking Control For Retirement

If this episode helped you gain clarity on your finances, share it with a friend and leave a review. 

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this episode, Freddie Rappina, founder of Opta Financial, discusses the difference between two financial strategies: “checkers” and “chess.” He explains how traditional financial planning, which focuses on saving and debt reduction, is like playing checkers, while wealth-building through leveraging debt and investing in cash-flowing assets like real estate is akin to chess. 

What You’ll Learn

✅ The differences between conventional saving strategies and the more dynamic

✅ The crucial mindset shift needed to embrace using debt as a tool for building income-generating assets

✅ How real estate investments can help you play the game of chess to advance your wealth

Connect with Freddie

Book: https://playingthewealthgame.com/

Website: https://www.optafinancial.com/

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Feeling overwhelmed with retirement planning? This episode helps simplify the process by highlighting two key starting points. By focusing on these foundational pieces, you’ll gain clarity on where to begin and uncover the next steps to move forward with confidence.

This episode breaks down retirement planning by focusing on key areas like budgeting, spending, and saving while helping you define your financial independence number. It also highlights the importance of envisioning your ideal retirement lifestyle by incorporating your goals, hobbies, and daily activities. 

What You’ll Learn:

✅ The best place to start with retirement planning

✅ How your current financial situation shapes your retirement path

✅ How to assess and plan for your retirement expenses

✅ The impact of your lifestyle and goals on your retirement budget

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In this podcast episode, estate and elder law attorney Asha Paulose discusses important steps in planning for aging parents' long-term care and financial needs. She emphasizes the importance of early and continuous conversations with parents and outlines critical legal documents like healthcare proxies and powers of attorney. 

Asha explains common mistakes families make, such as mishandling property transfers and joint accounts, and highlights the role of Medicare and Medicaid in covering long-term care costs. She also offers advice on leveraging legal expertise to ensure both parents' and caregivers' interests are protected.

What You’ll Learn From the Podcast:

✅ Why long-term care planning is an often-overlooked aspect of retirement planning 

✅ How to initiate difficult conversations with parents about aging and long-term care

✅ The key documents that families should have in place for protection

✅ Difference between Wills and Trusts

Whether you’re dealing with the complexities of long-term care planning or just starting the conversation, this episode provides valuable advice to help you protect your parents’ future and ensure their wishes are carried out.

Connect with Asha:

Website

Email: asha@ashapaulose.com

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

In today's episode, I’m sharing an inspiring success story of one of my amazing clients who transformed her financial life in just three months. She paid off $5,000 in debt, saved $2,500, and even started planning for travel. If you’ve ever felt stuck in the paycheck-to-paycheck cycle and unsure how to balance debt payoff with saving, this episode is for you.

What You’ll Learn in This Episode:

✅ The real reason budgeting alone isn’t enough

✅ How to balance saving while paying off debt

✅ The three key changes my client made that led to her financial success

✅ The importance of setting up a cash flow system that works for you

Action Steps:

If you feel like you’re doing all the right things but still not making financial progress, it might be time to look at what’s missing. Book a Retirement Ready VIP Session to get a clear picture of your financial situation and identify what adjustments can help you reach your goals.

Resources Mentioned:

Episode 30: Why Savings is the #1 Habit for Financial Success

Questions: Schedule a free Q&A call

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Whether you’re childfree by choice or circumstance, guest Jay Zigmont shares the unique financial and life planning challenges for childfree individuals. He shares customized financial strategies that prioritize personal goals over traditional life scripts. Tune into this episode to understand the unique way to look at your finances, retirement, and death when life’s circumstances don’t fit the norm.

What You’ll Learn:

✅ Rethinking retirement when leaving a legacy is not the end goal

✅ How and when to plan for long-term care

✅ How to select your medical decision-makers

Connect with Jay:

Email

Website

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

You’re ready to payoff debt and not sure if debt snowball or debt avalanche method is best. In this episode, I describe five (5) different strategies you could implement to become debt free. Listen in as I guide you through how to create your own debt payoff plan and be successful in becoming debt free before retirement.

What You’ll Learn: 

✅ Why does your debt continue to grow even with the efforts you’ve put in to paying it off?

✅ Choose the best strategy that fits you, your personality, and your goals best.

✅ Learn  how to achieve success by honing your focus and clarifying your “why.”

Resources Mentioned in Episode

Episode 007: Emergency Fund - The #1 Way to Eliminate Debt FAST

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Being generous doesn’t have to be just about money, and Alison Patterson agrees. Working as a philanthropic advisor, she helps individuals choose their best form of generosity to support their time, energy, and money in retirement. Listen in to learn what is generosity, and how to explore opportunities for you that best fit your values.

What You’ll Learn in This Episode: 

✅ Philanthropy in Retirement: Discover how incorporating philanthropy into your retirement plan can enhance both your financial strategy and overall fulfillment.

✅ Find Your Why: Learn how to craft a generosity statement that reflects your core values, ensuring your giving is intentional and meaningful.

✅ Explore how curiosity can lead you to unexpected and impactful giving opportunities in your community and beyond.

Connect With Alison:

Website

Instagram

LinkedIn

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey

Debt is a part of financial life, but it doesn’t have to define you. In this episode, I dive deep into the reasons we accumulate debt, the emotional and financial weight it carries, and how to take back control. Through real client scenarios, we’ll explore common debt challenges and practical solutions. You’ll walk away with a fresh perspective on your debt relationship and actionable steps to create financial clarity.

What You’ll Learn in This Episode:

✅ Why we get into debt—unexpected expenses, major life changes, and financial habits

✅ How to shift your mindset and create a positive relationship with debt

✅ The importance of budgeting and tracking debt for financial confidence

✅ Three real-life client scenarios and their strategies for overcoming debt

✅ A simple action step: creating your personal debt awareness list

Send me an email with your questions, thoughts, and takeaways from the podcast to: elevatefinancesllc@gmail.com

Join the next round of the Make Retirement Possible Challenge

Book A Free Clarity Connection Call to learn more about working with me

Grab the free Retirement Ready Checklist to begin your retirement planning journey