Wealth Inside and Out Podcast

Annette Bau, CFP®
  • 5.0 (18)
  • SELF-IMPROVEMENT
  • UPDATED WEEKLY

The Wealth Inside and Out® podcast is about much more than money. From practical manifestation, real-world how-to, and everything in between, each episode is designed to help you secure a financial future and retirement you love. You will learn how to improve your self-worth, grow your net wealth, and how the two connect and allow you to live fulfilled and wealthy on your terms. Your host, Annette Bau, CFP® and founder of The Millionaire Insider®, shares insight from over 35 years of advising and researching the top 1% of millionaires. If you are ready to achieve your financial and life goals, go to TheMillionaireInsider.com®. Our information is not intended to provide investment, tax, or any financial advice. Before implementing a plan, you agree to consult your team of advisors regarding your situation. You agree to hold millionaireseries.com, Annette Bau, and all affiliates harmless from the material contained in these episodes.

  1. 1D AGO

    4 Money Numbers You Must Know Before Retirement

    Many people believe they're "bad with money" because they don't like numbers. They say things like "I'm just not a numbers person" or "I don't do money." These statements often distract from what's really going on. That's not the real problem. The real issue is that most people have never been shown which numbers matter, or how knowing them can create confidence, clarity, and security in retirement. Often, the solution is simply to create a plan. In this episode, I break down the few essential money numbers you must understand to stop guessing and start making confident financial decisions. In this episode, you will learn: >> (2:37) Insights to reduce anxiety & fear >> (6:00) A big problem in retirement >> (10:11) One of my favorite retirement solutions >> (14:51) Net-worth and retirement readiness Money doesn't need to be complicated, but it does need to be intentional. You should understand: How much you can safely spend Where your income will come from How long your money must last The risk your plan is exposed to Then, everything changes. You're no longer confused or anxious, clarity brings confidence and stability. Even if you're not in the position you want to be in, you now can build a path to get there. If you're within 10 years of retirement—or already retired—this is critical. Without clarity around your numbers, you may: Hoard your money out of fear Overspend and ignore the long-term impact Rely too heavily on Social Security or market performance Feel anxious, nervous, or frustrated about what to do next A solid roadmap transforms feelings of overwhelm into fuel for your journey towards a secure financial future you'll love. Money becomes far less stressful when you understand the numbers that matter. What you need is clarity around how much you can spend, where your income will come from, and how long your money will last. When you have clarity, you make better decisions. You feel more confident. And you can enjoy your life and retirement without constantly worrying about money. That's what a solid financial plan provides: a clear path forward, confidence in your choices, and the freedom to spend your time doing what you love. Enjoy the episode. Links Referenced in the Show: The Retirement Plan Checklist: https://themillionaireinsider.com/rpc Take the Retirement Readiness Quiz https://themillionaireinsider.com/rrq Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/149 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    20 min

  2. FEB 4

    Is Retiring Abroad a Smart Move… Or a Costly Mistake?

    Over the last year, I have had a record number of questions about living and retiring abroad. And while it may sound like the ultimate freedom, with lower living costs, beautiful surroundings, and a slower pace of life, there are considerations you must address before packing your bags and making a permanent move. Without the right plan, it can also introduce unnecessary financial and emotional stress. In this episode, I explain what it really takes to retire abroad successfully, so your dream lifestyle is supported by clarity, confidence, and a solid financial plan. In this episode, you will learn: >> (5:21) The lifestyle benefits of retiring abroad >> (11:15) An often-overlooked factor when moving overseas >> (15:41) Ways to stay connected and build community >> (20:10) What to consider before you move >> (22:15) Financial management when living abroad Retiring abroad isn't just about saving money; It's about the quality of life, freedom, fulfillment, and choice. Many retirees find their dollars go further in countries like Portugal, Costa Rica, Mexico, Spain, and Thailand. With the right planning, guaranteed income, and ongoing guidance, you can enjoy the freedom of living abroad without worrying about running out of money or making costly mistakes. Enjoy the episode. Links Referenced in the Show: The Financial Freedom Formula Guide: https://themillionaireinsider.com/ffg Take the Retirement Readiness Quiz https://themillionaireinsider.com/rrq Have Questions? Need Support? https://themillionaireinsider.com/sr Show notes and more information: https://themillionaireinsider.com/148 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    27 min

  3. JAN 28

    Choosing The Right Financial Advisor

    Choosing the right financial advisor can be one of the most important decisions you make, especially as you approach retirement. At this stage of life, the stakes are higher. You're no longer just accumulating, you're making decisions that will determine how confidently you can retire, how long your money will last, and how much freedom you'll have to enjoy your life. The right advisor doesn't just manage investments. They help you create a plan. As a result, you reduce uncertainty and replace worry with confidence, so you can spend less time thinking about money and more time doing what you love. In today's episode, you'll learn how to determine whether you need a financial advisor, what to look for, and how to avoid costly mistakes that can derail your retirement security. In this episode, you will learn: >> (2:23) Why choosing the right financial advisor is so important >> (5:26) A retirement case study >> (8:33) The value of ongoing advice & support >> (14:55) Where to start >> (17:02) Common red flags to watch for >> (20:22) Mistakes to avoid when choosing a financial advisor Many people delay working with a financial advisor because they feel unsure, overwhelmed, or afraid of making the wrong choice. Others have worked with advisors in the past, but never received a comprehensive plan that clearly shows where they stand and what to do next. The right advisor helps you: Know how much you can safely spend Create a reliable, guaranteed income you can't outlive Coordinate investments, taxes, and protection strategies Reduce worry about running out of money Feel confident about your financial future You deserve a plan and an advisor who truly has your back. Finding the best financial advisor for your situation is a critical step to achieving your financial goals. In today's episode, you will learn insights to help you hire the right advisor at the right time. You will leave with some tools to help find the best financial advisor based on your specific situation. Enjoy the episode. Links Referenced in the Show: The Financial Freedom Formula Guide: https://themillionaireinsider.com/ffg Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/147 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    25 min

  4. JAN 21

    5 Money Habits of Millionaires

    One of the most common questions I hear is: "What money habits actually make the biggest difference—especially as retirement gets closer?" It's such an important question, and I'm excited to answer it today. After more than 35 years of advising women, couples, and families, I've seen that building lasting wealth isn't about taking big risks or chasing the next hot investment. It's about developing the right habits, creating a solid plan, and staying focused on what truly matters. In today's episode, I share five core money habits that helped me build wealth and that continue to help my clients feel confident, secure, and in control of their financial future. In this episode, you will learn: >> (2:29) The single most important habit for growing and protecting wealth, especially as you approach retirement >> (6:19) A critical financial skill every woman needs to feel confident and empowered around money >> (15:04) How long it generally take to change a habit, and why progress matters more than perfection >> (21:44) The greatest benefit of wealth, and why it goes far beyond dollars and cents If you want to create a secure financial future and retirement you love, this episode is for you. The habits I share can support you at any stage of life—but they are especially powerful when you're focused on retirement readiness, peace of mind, and financial independence. You can do this, and with the right plan and guidance, we are here to help you on your journey. Enjoy the episode. Links Referenced in the Show: The Millionaire Mindset Guide: https://themillionaireinsider.com/mmg The Magical Budget Template: https://themillionaireinsider.com/mbt Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/146 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    35 min

  5. JAN 14

    How to Declutter Your Life & Finances

    Clutter isn't just about piles of paper, overstuffed closets, or garages you can no longer park in; clutter creates mental noise, and mental noise makes it harder to make confident decisions about your life, your finances, and your future. For many people approaching retirement, this shows up as: Feeling overwhelmed by financial decisions Procrastinating on planning because it feels overwhelming Worrying about money without knowing exactly why Knowing you should get organized, but not knowing where to start The truth is this: clarity creates confidence, and confidence creates action. When your environment is cluttered, your mind often follows. That's why simplifying your life, physically and mentally, is one of the most powerful steps you can take toward a secure, fulfilling retirement. In this episode, you will learn: >>(3:41) What clutter and chaos really cost you emotionally, mentally, and financially >>(5:52) What happens when your home (and life) becomes simpler and more organized >>(12:58) The very first action step to begin winning your war on clutter >>(20:58) Why an organized life becomes even more important as you approach or enter retirement >>(21:51) The surprising chemical addiction that keeps people stuck in clutter >>(22:22) My personal guarantee to you Letting go of what no longer serves you, whether it's physical clutter, outdated habits, or financial uncertainty, is one of the most powerful ways to create a life that feels calm, intentional, and fulfilling. Decluttering is not about perfection. It's about creating space to think clearly, plan wisely, and enjoy your life. No matter where you are on the organizational spectrum, this episode will help you begin creating more order, clarity, and confidence, so you can move forward knowing you are building a financially secure future you love. Enjoy the episode. Links Referenced in the Show: The Financial Freedom Formula Guide: https://themillionaireinsider.com/ffg Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/145 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    25 min

  6. JAN 7

    How to Reduce Money Anxiety

    A recent report shares that anxiety is the most common mental health challenge people are experiencing today. And money is one of the top reasons people experience anxiety. Today, we explore ways to reduce and manage money anxiety and other stressors more effectively. If you suffer from severe mental health challenges, get support from an expert. This episode is for educational purposes and not meant to replace any mental health expert. In this episode, you will learn: >> (4:12) Ways money anxiety manifests in day-to-day life >> (5:01) One effective strategy to reduce money anxiety >> (8:16) The emotional cost of anxiety >> (11:11) One of the best ways to reduce financial anxiety >> (14:15) Simple but powerful options that get results >> (17:16) Actions you can do now to help yourself Money anxiety is a mental health issue that impacts millions of people. Today, you will learn ways to identify it, better handle it, and make choices that reduce the impact on your mental and physical health. Today, you will learn practical strategies for managing anxiety and stress related to your finances and life. If you suffer from severe mental health challenges, get support from an expert. This episode is for educational purposes and is not meant to replace any mental health professional. Enjoy the episode. Links Referenced in the Show: The Financial Freedom Formula Guide: https://themillionaireinsider.com/ffg Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/144 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    21 min

  7. 12/31/2025

    The Actions to Achieve Results Formula

    Successful people often want to achieve the results they desire, whether in business or in personal life. And yet, so often we don't. Today, I reveal the formula wealthy, healthy, and fulfilled people use to improve their odds of success. In this episode, you will learn: >> (2:19) What to do if you want a different result >> (6:34) An example of what keeps us from achieving our desired goals >> (11:03) One of the most essential skills to achieve good results >> (13:06) What most people do versus what they need to do >> (16:03) My favorite technique I use to achieve results The actions you take produce results, good and bad. So if you want different results, you need to take different actions. Today, you will learn the formula that successful people use to achieve their results and live extraordinary lives. Enjoy the episode. Links Referenced in the Show: The Millionaire Mindset Guide: https://themillionaireinsider.com/mmg Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/143 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    28 min

  8. 12/24/2025

    The Best Podcast Episodes of 2025

    I enjoy browsing through a list of top podcast episodes and comparing them with my favorites. So, today I share the most popular episodes from 2025. Some of them surprised me, and interestingly, some of my favorites were among them. So, grab your favorite beverage and get ready for some binge-worthy insight. In this episode, you will learn: >> (3:49) The mindset shift from millionaire to decamillionaire >> (7:02) The average income of millionaires >> (7:54) One of the easiest ways to build generational wealth >> (10:10) Critical advice if you are within 15 years of retiring Today, I share listeners' favorite episodes from the Wealth Inside and Out® Podcast. I would love it if you could share your favorite as well as your biggest takeaway at The Millionaire Insider's Channel on YouTube! Enjoy the episode. Links Referenced in the Show: The Millionaire Mindset Guide:  https://themillionaireinsider.com/mmg Request Support from our Team: https://themillionaireinsider.com/sr Get your Free Financial Checkup: https://themillionaireinsider.com/fc Show notes and more information: https://themillionaireinsider.com/142 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

    16 min
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About

The Wealth Inside and Out® podcast is about much more than money. From practical manifestation, real-world how-to, and everything in between, each episode is designed to help you secure a financial future and retirement you love. You will learn how to improve your self-worth, grow your net wealth, and how the two connect and allow you to live fulfilled and wealthy on your terms. Your host, Annette Bau, CFP® and founder of The Millionaire Insider®, shares insight from over 35 years of advising and researching the top 1% of millionaires. If you are ready to achieve your financial and life goals, go to TheMillionaireInsider.com®. Our information is not intended to provide investment, tax, or any financial advice. Before implementing a plan, you agree to consult your team of advisors regarding your situation. You agree to hold millionaireseries.com, Annette Bau, and all affiliates harmless from the material contained in these episodes.

Information

  • Creator
    Annette Bau, CFP®
  • Years Active
    2023 - 2026
  • Episodes
    151
  • Rating
    Clean
  • Copyright
    © TheMillionaireInsider.com®
  • Show Website
    Wealth Inside and Out Podcast