The Millionaire Insider Podcast

Annette Bau, CFP®
  • 5.0 (18)
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  • Updated Weekly

The Millionaire Insider® Podcast is about much more than money. Each episode blends practical strategies, real-world guidance, and powerful mindset shifts to help you create a secure financial future and a retirement you truly love. You will learn how to turn your paycheck into a guaranteed income stream so you can worry less and spend your time as you wish. Your host, Annette Bau, CFP®, and founder of The Millionaire Insider®, brings over 36 years of experience advising individuals and studying the habits of the upper echelon of millionaires. She shares proven insights, thoughtful planning strategies, and the inner and outer game of wealth so you can make confident decisions about your money and your life. Ready to take the next step? Click here if you need personal guidance: https://themillionaireinsider.com/5q If you want a financial checkup, start here: https://themillionaireinsider.com/financial-checkup. You can fast-track to a successful retirement with our Retirement Readiness Quiz. This quiz will show you what stage of retirement preparedness you are at and what you should do next. You can access it here: https://themillionaireinsider.com/rrq The information shared on this podcast is for educational purposes only and is not intended to provide investment, tax, or financial advice. Before implementing any strategy, you agree to consult your team of professional advisors regarding your individual situation. You agree to hold The Millionaire Insider, Estate & Retirement Strategies, LLC, Annette Bau, and all affiliates harmless from the material contained in these episodes. To learn more about our advisory services and disclosures, visit: https://themillionaireinsider.com/ers-disclosure

  1. 1d ago

    How Self-Worth Impacts Your Net Worth

    Have you ever heard someone say, 'Your self-worth determines your net worth?' After advising successful families for more than 35 years, I've learned it's not quite that simple. In this week's episode of The Millionaire Insider® Podcast, I introduce a concept I call your Worth Barometer—and why understanding it could completely change the way you think about financial success. In this episode, you'll discover: >> (6:01) The reason you want high self-esteem isn't what you might think >> (6:54) Possibly the most important trait >> (7:51) The secret to financial security >> (12:39) The most important relationship >> (13:54) Common beliefs and comments that can keep you stuck >> (21:09) Characteristics of wealthy and healthy millionaires >> (22:05) The real problem with yeses >> (30:44) How to elevate your Worth Barometer Listen to Episode 175: 'How Self-Worth Impacts Your Net Worth' and discover how aligning your beliefs with your financial plan can help you create a financially secure life you love. Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's your life and future.  Take the quiz: https://themillionaireinsider.com/rrq  Enjoy the episode! Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/175 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  2. Aug 5

    Die Broke: Smart Retirement Strategy or Financial Mistake?

    For years, the "Die Broke" philosophy has gained popularity. The idea is simple: spend your money, enjoy retirement, and leave little or nothing behind when you die. On the surface, it sounds appealing. After all, why spend decades working and saving if you're afraid to enjoy the money you've earned? The challenge is that none of us knows how long we'll live, what healthcare costs we'll face, or what unexpected events retirement may bring. In this episode, we'll explore both the advantages and potential pitfalls of the "Die Broke" philosophy. You'll learn how longevity, healthcare costs, market uncertainty, taxes, and unexpected life events can impact your retirement—and why creating a balanced retirement income plan may provide greater confidence, flexibility, and peace of mind. >> (3:20) The most important question to answer before embracing the "Die Broke" philosophy >> (3:55) One of the biggest risks of trying to die broke >> (8:16) An often-overlooked retirement planning consideration >> (9:54) How emotions can derail even the best retirement plan >> (17:08) Practical strategies to create a financially secure retirement and meaningful legacy At first glance, the "Die Broke" philosophy can sound like the perfect retirement strategy. But retirement rarely unfolds exactly as planned. The greater risk isn't leaving money behind—it's living longer than expected, facing rising healthcare costs, market downturns, or unexpected life events without enough reliable income. A successful retirement isn't about trying to spend your last dollar on your last day. It's about creating a retirement plan that gives you dependable income, financial flexibility, and the confidence to enjoy life today while knowing you'll be financially secure no matter what tomorrow brings. With the right plan, you don't have to choose between enjoying your retirement and protecting your future. You can do both. Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's your life and future.  Take the quiz: https://themillionaireinsider.com/rrq  Enjoy the episode! Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/174 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  3. Jul 29

    Should You Buy a Second Home?

    Have you ever dreamed about owning a cabin in the mountains, a beach house by the ocean, or simply escaping to a warmer climate? For many people approaching retirement, purchasing a second home feels like the reward for decades of hard work. A second home can create wonderful family memories, provide a future retirement destination, and even become a valuable financial asset. But without careful planning, it can also lead to unexpected expenses, tax surprises, and financial stress. Whether you're thinking about purchasing a vacation home today or planning for a retirement home in the future, this episode will help you make a more informed financial decision. In today's episode, we'll help you evaluate whether buying a second home is the right decision for your retirement and financial future. >> (5:51) The first question you should answer before buying a second home >> (6:34) Benefits most buyers overlook before purchasing a second home >> (8:20) The return that matters more than the financial payoff >> (10:59) Hidden costs that can turn your dream home into a financial headache >> (15:07) Three questions to ask before purchasing a second residence >> (20:33) The million-dollar question you must ask before buying The right decision isn't about whether a second home is a good investment—it's about whether it's the right investment for your lifestyle, retirement goals, and financial plan. Before making a decision, take the time to evaluate your overall financial situation with a qualified advisor and ask yourself the questions we cover in today's episode. Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's about your life and your future.  Take the quiz: https://themillionaireinsider.com/rrq  Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/173 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  4. Jul 22

    Helping Aging Parents Without Hurting Your Financial Future

    Have you ever worried that helping your parents today might mean becoming a financial burden to your own children tomorrow? If so, you're not alone. Today's episode is for you. Many people in their 50s and 60s find themselves caught between supporting aging parents and preparing for retirement. While helping family is important, sacrificing your own financial future may create even greater challenges for everyone involved. Today, you'll learn how to help aging parents while protecting your own financial future. You'll discover how to set healthy financial boundaries, have productive family conversations, and create a plan you can feel confident about. >> (5:30) The biggest mistake families make when helping aging parents >> (6:58) The conversations every family should have before a crisis occurs >> (10:10) How to recognize the difference between helping and enabling >> (10:45) Ways to protect your retirement without feeling guilty >> (20:46) Simple steps to create a family support plan everyone can understand Helping aging parents is one of life's greatest responsibilities, but it shouldn't come at the expense of your own retirement security. With a coordinated plan, you can support the people you love while protecting your financial future. When everyone understands the plan, everyone benefits. Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's about your life and your future.  Take the quiz: https://themillionaireinsider.com/rrq  Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/172 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  5. Jul 15

    5 Millionaire Money Lessons

    While most people dream of winning the lottery or receiving an unexpected inheritance, most millionaires build their wealth by taking a different route. Their journey generally isn't magical or mind-boggling. In fact, by most standards, it's surprisingly ordinary. They simply repeat a few key habits consistently over time. Today, I'm sharing five millionaire money lessons that changed my life and the lives of many of my clients. These lessons helped me go from investing just $25 a month to becoming financially independent. >> (5:51) One of the most powerful money lessons for building wealth >> (7:37) A common mistake that keeps people from building wealth >> (11:59) Why emotional investing can derail your future—and how to avoid it >> (15:55) Where to invest your time, energy, and money for the greatest return >> (17:32) What a yes or no response means to you and your future Wealth isn't built through one giant decision. It's built through hundreds of small decisions repeated consistently over time. It's these simple, consistent actions that have the power to transform your financial future. And when you show up willing to do the work, day in and day out, you can't help but improve your odds of success. Before you get back to your day, take a minute and identify one lesson from today's episode. Then, commit to applying it. That one decision may be the best one you make this entire year! Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's about your life and your future.  Take the quiz: https://themillionaireinsider.com/rrq  Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/171 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  6. Jul 8

    5 Priceless Millionaire Life Lessons

    Many people spend years focused on money, success, and achievement, only to reach their goal and realize they are not feeling as they imagined. In my three decades advising clients, I have learned that creating a richer life isn't only about money. It starts with mastering the fundamentals. The happiest, healthiest, and most fulfilled people consistently focus on a handful of daily habits and routines that improve every area of their lives. In this episode, I share five life lessons that have had the greatest impact on my life and many of the millionaires I have worked with over the years. >> (2:53) Real-world examples of the impact of a low worth barometer >> (6:07) The consideration when you say yes >> (9:15) My go-to for emotional regulation >> (14:42) The real result of a calm mind >> (19:30) A common reason people fail to achieve their goals Creating a richer life is rarely about one dramatic change. More often, it is the result of small daily actions repeated consistently over time. The five lessons you will learn today are simple and powerful. My clients who have consistently applied them report better health, greater happiness, stronger relationships, and a greater sense of fulfillment. The goal is not perfection. The goal is progress. Enjoy the episode! Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's about your life and your future.  Take the quiz: https://themillionaireinsider.com/rrq  Enjoy the episode! Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/170 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  7. Jul 1

    What Do Millionaires Do With Money

    Many people believe millionaires grow their money with complicated strategies or constant investment moves. In reality, most long-term wealth is managed through clarity, consistency, and intentional decisions. After decades of advising successful individuals and retirees, one pattern becomes clear: financially secure people tend to focus less on chasing returns. Instead, they develop a coordinated plan that supports their goals, lifestyle, and future security. This episode explores several key habits and financial principles that millionaires often follow. Each habit will help you to manage, protect, and simplify your finances. Building wealth involves income planning, risk management, and long-term strategic thinking, not just maximizing return. These insights can help you create a more confident and financially secure future you'll love. In this episode, you will learn: >> (3:48) What millionaires focus on instead of income >> (6:09) Why it's so important to review your plan >> (8:28) How coordination benefits you >> (10:52) Critical wealth-building habits >> (13:30) Benefits of spending money with clarity and intention >> (16:53) How to avoid overcomplicating your finances True wealth is rarely built or managed through complexity or short-term thinking. It is often the result of consistent habits, intentional planning, and understanding how the elements of a financial plan work together. Millionaires tend to focus on creating reliable income instead of chasing returns. They protect what they have built, reduce unnecessary risk, and align their money with what matters most to them. When financial decisions are coordinated with long-term goals and values, money becomes less of a source of stress. Instead, wealth becomes a tool that supports freedom, confidence, and a meaningful life. Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's your life and future.  Take the quiz: https://themillionaireinsider.com/rrq  Enjoy the episode! Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/169 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

  8. Jun 24

    Long-Term Care Planning Without Fear or Pressure

    Too often, retirement planning focuses on investments or income while ignoring how long-term care can impact your finances, independence, and family dynamics. The truth is that planning for long-term care is critical to a successful retirement. The goal is creating a coordinated retirement plan that allows greater clarity and control over future decisions. Done right, long-term care planning can help reduce stress, protect financial security, and provide more confidence about the years ahead. In this episode, you will learn: >> (4:30) Common myths about long-term care >> (8:44) Critical planning benefits >> (10:43) Why planning early is so critical >> (13:13) The cost of care in retirement >> (17:26) What long-term care planning does and why it's important Long-term care planning is ultimately about protecting both your quality of life and your financial security. A thoughtful plan can help preserve retirement income, reduce pressure on family members, and create more flexibility in your future. Rather than making emotional decisions during a crisis, planning ahead allows you to avoid or reduce chaos and instead make decisions calmly and intentionally. When long-term care planning is coordinated alongside investments, taxes, income planning, and estate strategies, it becomes part of a stronger overall retirement plan. Are You Ready For Retirement? When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. Retirement readiness is not just financial; It's your life and future.  Go here to access the quiz:  https://themillionaireinsider.com/rrq  Enjoy the episode! Links Referenced in the Show: Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/168 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

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The Millionaire Insider® Podcast is about much more than money. Each episode blends practical strategies, real-world guidance, and powerful mindset shifts to help you create a secure financial future and a retirement you truly love. You will learn how to turn your paycheck into a guaranteed income stream so you can worry less and spend your time as you wish. Your host, Annette Bau, CFP®, and founder of The Millionaire Insider®, brings over 36 years of experience advising individuals and studying the habits of the upper echelon of millionaires. She shares proven insights, thoughtful planning strategies, and the inner and outer game of wealth so you can make confident decisions about your money and your life. Ready to take the next step? Click here if you need personal guidance: https://themillionaireinsider.com/5q If you want a financial checkup, start here: https://themillionaireinsider.com/financial-checkup. You can fast-track to a successful retirement with our Retirement Readiness Quiz. This quiz will show you what stage of retirement preparedness you are at and what you should do next. You can access it here: https://themillionaireinsider.com/rrq The information shared on this podcast is for educational purposes only and is not intended to provide investment, tax, or financial advice. Before implementing any strategy, you agree to consult your team of professional advisors regarding your individual situation. You agree to hold The Millionaire Insider, Estate & Retirement Strategies, LLC, Annette Bau, and all affiliates harmless from the material contained in these episodes. To learn more about our advisory services and disclosures, visit: https://themillionaireinsider.com/ers-disclosure

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