We’re tackling a fear many women over 40 quietly carry, the worry that there’s not enough time left to build true financial security. If you’ve ever thought, “I’m too far behind to catch up,” this episode will show you that it’s not too late to take control of your money and your future.

My guest, Renee K. Collins, CPA, CFP®, AFC®, is the founder of Retire Ready, Inc. and a trusted guide for first-generation wealth builders who want to retire with confidence. With more than 20 years of experience in accounting and financial planning, Renee helps professionals over 40 create retirement strategies that align with their goals, values, and lifestyle. Her mission is to simplify retirement planning, empower clients to avoid costly mistakes, and build a legacy of financial wellness for the next generation.

In this episode, you’ll learn:

Why it’s never too late to start building wealth, even after 40

The first steps to take if you feel behind on retirement savings

How to shift your money mindset from fear to freedom

Practical strategies to maximize the money you already have

How aligning your finances with your values makes wealth-building sustainable

If you’ve been carrying the weight of financial regret or fear of running out of time, this conversation will give you both the hope and the tools to move forward.

Resources from Renee:

Free Retirement Guide: https://www.retirereadyinc.com/top10

Website: https://www.retirereadyinc.com/

LinkedIn: https://www.linkedin.com/in/reneekcollins/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/