Get real world advice on DIY credit and Debt Management and Relief. Each podcast is full of short powerful yet actionable information to help you achieve financial success and debt freedom. Also providing additional tools to help with your finances too.
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Wealthy After 40: Personal Finance, Financial Freedom, Debt Payoff, and Retirement Savings for Gen Xers
Dalene Higgins
Are you ready to transform retirement uncertainty into a clear, actionable plan? If you’re looking to retire in the next 5-10 years, you’ve come to the right spot. Only 54% of Gen Xers feel prepared for retirement, and a staggering 22% believe they’ll enjoy a comfortable lifestyle. If retirement planning and your finances feel overwhelming, you’re not alone! I’m Dalene Higgins, founder of Elevate Finances LLC, your financial and retirement coach. It’s time to stop avoiding your finances and ...
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The Freedom Formula for Physicians | How Doctors Cut Debt & Slash Taxes | Business Of Medicine | Financial Education
Dave Denniston
Helping Physicians Slash Their Debt, Slash Their Taxes, and Live a Liberated Lifestyle
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Ep 102 | Redefining Your Debt Relationship and Taking Control For Retirement
19:25
19:25
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19:25Submit your questions here! 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 …
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Ep 101 | Navigating Financial Conversations in Relationships with Lindsey Carnick
33:25
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33:25Submit your questions here! Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future. In this episode, I welcome therapist Lindsey Carnick to discuss managing stress, anxiety, and financial conversations within relationships. Lindsay, licensed in nine states and experienced in keynote sp…
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Celebrating 100 Episodes: My Podcasting Journey and Top Episodes Revealed
18:44
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18:44Submit your questions here! Join the Savings Challenge Waitlist HERE In the milestone 100th episode, I share about my initial skepticism and gradual success, including reaching the top 5% globally in the education category. I further the most popular episodes, covering topics like cash flow management and retirement savings. Looking for support fro…
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Ep 99 | Creating Passive Income for Retirement with Private Lending
23:49
23:49
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23:49Submit your questions here! Get a clear plan for retirement! Book your Retirement Strategy Session today and take the guesswork out of your future. In this episode, my guest Jim Manning shares his journey from a Jesuit-educated insurance paperwork pusher to a mission-driven real estate investor. He shares his passion for transforming properties int…
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Ep 98 | Retirement 101: Creating a Fulfilling Next Chapter, Your Retirement
21:18
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21:18Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In the final part of the Retirement 101 series, the focus is on creating a fulfilling and meaningful retirement lifestyle. This episode includes practical advice on envisioning and planning great experienc…
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Ep 97 | Understanding Behaviors for Investing and Financial Success
28:54
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28:54Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, we dive into the fascinating world of behavioral investing with Rick, a financial advisor from Dallas who specializes in helping people make smarter money decisions. But forget boring investment talk - this ep…
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Ep 96 | Retirement 101: The Essential Steps to Estimate Your Retirement Budget
21:15
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21:15Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In part three of the Retirement 101 series, the focus is on creating an estimated retirement budget. The episode guides listeners through important steps such as identifying recurring expenses, recognizing…
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Ep 95 | Proven Strategies for Financial Independence with Steve Selengut
25:26
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25:26Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! In this episode, Steve Selengut, a seasoned investor and income coach, shares his journey from growing up in an investment-oriented community to retiring with over $110 million under management. Steve emphasizes the importance…
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Ep 94 | Retirement 101: Navigating Financial Fears, Debt, and Planning with Confidence
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21:09Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! This episode is Part 2 of the retirement series and today we’re focusing on gaining clarity and confidence as you approach your retirement, specifically if you are five years away. I will discuss the importance of tackling hig…
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Ep 93 | Medicare Made Simple With David Kerlin
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24:35Submit your questions here! Join the Financial Freedom Accelerator and create your plan for a stress-free retirement today! Today’s guest interview is with David Kerlin, an expert on Medicare and health insurance, about his journey from a manufacturing career to becoming a trusted Medicare advisor. David shares his personal health transformation an…
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Ep 92 | Retirement 101: Building the Financial Foundations
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22:41Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In this episode, I kick off a four-part series focused on building a successful retirement plan. This episode dives into the first steps of laying a solid foundation. Key topics include tracking expenses, …
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Ep 91 | Smart Trust & Estate Moves Before Retirement with Lauren Klein
31:47
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31:47Submit your questions here! Download the Retirement Readiness Checklist now to take the first step toward a clear and confident retirement plan! In this episode, I interview Lauren Klein, a trust and estates attorney, to uncover the intricacies of estate planning. My favorite part of the episode was when she shared how to take action. I think we ov…
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Ep 90 | How I Made Retirement Possible at 50 [Re-Release]
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23:56Submit your questions here! Join the Financial Freedom Accelerator and create your roadmap to financial freedom! This episode is a re-release of episode 001 My Story & How I Was Able to Retire Early at 50. In this episode, I share my personal money journey about how I was able to retire at the age of 50 and eventually became a financial coach. My j…
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Ep 89 | How Gen X Can Reflect, Plan, and Prepare for Retirement
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21:28Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I dive into the importance of reflection and forward planning. As Gen Xers edge closer to retirement, surveys highlight a widespread lack of preparedness within our generation. Together, we’ll explore how reflectin…
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Ep 88 | Clear Your Space, Clear Your Mind: Holistic Decluttering with Noelle Fowler
31:08
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31:08Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode of the Wealthy After 40 podcast, my guest is Noelle Fowler, a holistic declutter coach. She specializes in helping busy women simplify their lives by addressing the root causes of clutter. She shares her journey fro…
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Ep 87 | Day Trading 101: A Beginner’s Guide to Financial Growth with Erin Thompson
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27:30Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode of the Wealthy After 40 podcast, my guest Erin Thompson, a financial freedom architect, shares her inspiring story of overcoming significant debt twice and offers insights on developing effective financial habits. E…
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Ep 86 | How My Client Found Spending Freedom to Support Her Financial Freedom
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22:59Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I share the transformative journey of a client who initially struggled with shame and guilt around her spending habits. Having successfully saved her retirement nest egg, she was struggling with the fear of outspen…
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Ep 85 | How my 90 Day Financial Freedom Accelerator Can Make Retirement Possible
14:35
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14:35Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I share all about my signature program, the Financial Freedom Accelerator. A 90-day coaching program designed to help you transform your retirement dreams into reality with financial confidence and purpose. I share…
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Ep 84 The Retirement Exercise That Changed My Life (And My Clients')
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18:05Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! This episode is about the importance of creating a personal ‘why’ for retirement and defining it with such clarity that you can’t help but focus on making it become a reality. The episode shares personal experiences of setting reti…
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Ep 83 Navigating Social Security with Christopher Hensley
27:42
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27:42Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I welcome guest, Christopher Hensley, a financial advisor with over two decades of experience, to discuss the complexities of Social Security. We discuss factors affecting the best time to start claiming benefits, …
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Ep 82 | Essential Steps to Start Saving for a Secure Retirement
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22:39Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I discuss the importance of saving for retirement and how to ensure you have enough money when you retire. This episode outlines practical steps to manage money, eliminate unnecessary expenses, and build a robust s…
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Ep 81 Why A Money Routine Leads to Budgeting Success
17:48
17:48
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17:48Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, the host explores the secret to budgeting success—a consistent money routine. Listeners struggling to make their budgets work will discover how a structured approach to money management can transform their finances…
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Ep 80 A Journey of Financial Discipline and Growth With Alexandra Dotcheva
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24:40Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! During this guest episode, I am lucky to interview Alexandra Dotcheva, who shares her transformative journey from an immigrant violinist to a financially independent real estate investor. She discusses the challenges she faced duri…
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Ep 79 Shift from Emotional to Intentional Spending for a Worry-Free Retirement
18:58
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18:58Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I discuss the emotions tied to spending and their impact on not only achieving financial goals, but making impactful decisions. I share a client story demonstrating the importance of identifying personal values to …
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Ep 78 | 3 Ways to Make Sure You're On Track to Retirement
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19:38Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! To have a happy and successful retirement takes more than just enough money. In this episode, I discuss three common retirement gaps that could lead to disappointment and boredom in retirement. Beyond the financial side, it’s essen…
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Ep 77 Can You Afford Retirement? Debunking the Myths Holding You Back
17:11
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17:11Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! Will I run out of money in retirement? It’s a question many people ask in one form or another. In today’s episode, I explore why this question lingers in your mind and how you can shift your thinking to trust that you’ll be financi…
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Ep 76 Why You Need To Stop Procrastinating and Invest in Yourself
16:36
16:36
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16:36Submit your questions here! Join the Financial Freedom Accelerator and create your personalized roadmap to retirement! In this episode, I explore the common reasons why people hesitate to invest in themselves and share the story of a client who waited five years before taking action, highlighting the significant impact of that delay. I also dive in…
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Ep 75 The Membership Experience of Make Retirement Possible
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15:13Submit your questions here! In this episode, I share what you can expect inside of the Make Retirement Possible membership. The membership offers recorded trainings, worksheets, and a monthly live Q&A session to help members effectively plan their retirement. The experience is self-led and I share how to level up that self-led experience with suppo…
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Ep 74 Healing Trauma and Transforming Finances With Angela Turpin
25:44
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25:44Submit your questions here! If you’re ready to break free from the emotional and financial patterns that have held you back, this conversation is for you. Angela Turpin shares powerful insights into healing money-related trauma and offers practical steps you can take today to create a healthier relationship with your finances. You’ll discover how d…
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Ep 73 How Tracking Can Transform Your Path to a Worry-Free Retirement
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17:51Submit your questions here! In today’s episode, I dive into the importance of tracking expenses and how it is a crucial step toward retirement. Tracking helps build awareness and is essential to truly understanding your spending. It’s time to embrace tracking to better understand and improve your spending habits, but don’t make it a chore either. T…
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Ep 72 Wondering How to Secure Your Retirement? Here’s Your Guide to Financial Stability
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16:20Submit your questions here! Today I am exploring the idea of financial stability and specifically answering the question: What is financial stability and why is it so crucial to retirement? Are you worried about running out of money in retirement? Not having enough savings? Are you worried about health care costs? Are you worried about being able t…
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[REPLAY] S4, Episode 31: Jon Appino- The First 5 Commandments of Employment Contracts
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20:57Today, we are going to focus on physician employment contracts and chat with Jon Appino, the CEO of Contract Diagnostics. As a matter of fact, this is Jon's SECOND time on the show. This interview was recorded all the way back 2 years ago in the summer of 2016--- it inspired the contracts section of The Young Physician's Guide to Money & Life. Jon …
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Ep 71 Why You Feel Unprepared For Retirement
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18:42Submit your questions here! In this episode, I discuss common reasons why many feel unprepared for retirement. The real culprit isn’t what you think it is. Learn the psychological and practical aspects of retirement as well as the steps needed to close the gap between your current financial situation and your retirement goals. 00:00 Why You Feel Un…
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[REPLAY] S4, Episode 30: The Young Physicians Guide to Money and Life - Background on the making of the book
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22:48Welcome back to the latest episode of the Freedom Formula for Physician's podcast. This week we will be discussing my new book: The Young Physicians Guide to Money and Life. We will discuss the trials and tribulations that were involved while writing this book. Also, find out why this book was almost not released to the public. Please enjoy this ch…
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Ep 70 Am I Ready to Retire? Overcoming Doubt and Building a Retirement Dream
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20:55Submit your questions here! In this episode, I dive into the idea of retirement, addressing limiting beliefs and why others perceptions are holding you back. Personal beliefs and dreams about retirement are essential to making it happen. Key points include paying off debt, exploring part-time work, budgeting, and savings. Ultimately, the aim is to …
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[REPLAY] S4, Episode 29: The Wealth Formula with Buck Joffrey
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42:42Our next guest is a surgeon turned serial entrepreneur, asset manager, and podcaster. He finished his surgical training in 2008. Since then, he has started multiple seven and eight-figure businesses and has amassed a substantial portfolio of investments in the real estate, energy, internet, and health sectors. He is also a financial educator. He is…
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Ep 69 Overcoming Job Loss and Managing ADHD Finances with Sherry Andrew
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25:38Submit your questions here! In this episode, I interview Sherry, an ADHD money coach. Sherry shares her journey from losing her high-stress job of 17 years to becoming a specialized coach for ADHD entrepreneurs. She discusses her 'two by four moment,' the importance of budgeting, the challenges of managing finances with ADHD, and strategies to miti…
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[REPLAY] S4, Episode 28: Another Perspective on Land Flipping with Seth Williams, The RE Tipster
52:31
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52:31More than a few times, you may have heard about my latest adventures inland flipping, but don't take my word for it... In this podcast, I welcome the one and only RE Tipster aka Seth Williams. This ruggedly handsome fella has been in the biz of real estate and land flipping over the last decade and his approach is in some ways very similar to mine,…
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Ep 68 How My Client Learned to Spend More On Herself
18:03
18:03
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18:03Submit your questions here! In this episode I interview my client Angela, who shares her transformative experience in my signature coaching program. Angela discusses her initial struggles with budgeting, the steps she took to overcome her financial challenges, and the positive impact of coaching had on her financial habits and lifestyle. 01:26 Inte…
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[REPLAY] S4, Episode 27: Top 5 Podcasts of 2017- #1 The Tax Deductions I Didn‘t Know [With Craig Cody]
32:55
32:55
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32:55This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this MOST popular episode EVER: Have you been wondering- how the heck can I pay less in taxes? If you have been grappling with this questio…
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Ep 67 Why Avoiding Budgets Can Lead to Missing Out
18:45
18:45
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18:45Submit your questions here! In this episode, I talk about the common misconception that budgeting is too restrictive. As I dive into this topic as so many times I have and others have, I share with you the true result my client was getting from not budgeting. Featuring insights from client experiences, I emphasize the significance of aligning your …
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[REPLAY] S4, Episode 26: Top 5 Podcasts of 2017- #2 The Top 5 Podcasts for Doctors in 2017
25:50
25:50
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25:50This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. In this podcast, Dave Denniston talks about the Top 5 Podcasts for Physicians. In this podcast you will: The first podcast learns about Nii Darko and how he has taken his tough …
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Ep 66 Why Budgeting Isn’t Enough And What You're Leaving Out
19:12
19:12
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19:12Submit your questions here! In this episode, I discuss the common frustrations of budgeting and why so many individuals who are budgeting are not seeing success. While budgets are essential for outlining expenses and needs, they are not the action-oriented piece that drives financial progress. Listen to the episode to understand a budget’s purpose …
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[REPLAY] S4, Episode 25: Top 5 Podcasts of 2017- #3 How To Acquire a Private Practice and Real Estate In One Easy Transaction (And The Pitfalls to Avoid)
59:39
59:39
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59:39This June we are focusing our attention on the Top 5 Podcasts that we had in 2017. They are a great mix of topics from real estate, taxes, and the ever-popular side hustle. Here are the notes and resources from this episode: In these podcasts, we’ve interviewed experts of all kinds- debt, burnout, real estate, and taxes. I thought, hey it’s about t…
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