Podcast thumbnail for Wealth Inside and Out Podcast

Wealth Inside and Out Podcast

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by Annette Bau, CFP®

4.8(23 reviews)
170 episodes
Updated Daily
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Podcast Authority

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Podcast Overview

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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Publishing Since

1/27/2023

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Recent Episodes

Episode thumbnail for Long-Term Care Planning Without Fear or Pressure

June 24, 2026

Long-Term Care Planning Without Fear or Pressure

<p><span style="font-family: 'times new roman', times, serif;">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.</span></p> <p><span style="font-family: 'times new roman', times, serif;">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.</span></p> <p><span style="font-family: 'times new roman', times, serif;">In this episode, you will learn:</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (4:30) Common myths about long-term care</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (8:44) Critical planning benefits</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (10:43) Why planning early is so critical</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (13:13) The cost of care in retirement</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (17:26) What long-term care planning does and why it's important</span></p> <p><span style= "font-family: 'times new roman', times, serif;">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.</span></p> <p><span style="font-family: 'times new roman', times, serif;">When long-term care planning is coordinated alongside investments, taxes, income planning, and estate strategies, it becomes part of a stronger overall retirement plan.</span></p> <p><span style= "font-family: 'times new roman', times, serif;"><strong>Are You Ready For Retirement?</strong></span></p> <p><span style="font-family: 'times new roman', times, serif;">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. </span></p> <p><span style="font-family: 'times new roman', times, serif;">Go here to access the quiz: <br /> <a href= "https://themillionaireinsider.com/rrq">https://themillionaireinsider.com/rrq</a> </span></p> <p><span style= "font-family: 'times new roman', times, serif;">Enjoy the episode!</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Links Referenced in the Show:</span></p> <p><span style="font-family: 'times new roman', times, serif;">Have Questions? Need Support?<br /> <a href= "https://themillionaireinsider.com/sr">https://themillionaireinsider.com/sr</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">Show notes and more information:<br /> <a href= "https://themillionaireinsider.com/163">https://themillionaireinsider.com/168</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.</span></p>

Episode thumbnail for Happiness in Retirement and Your Numbers Part 2

June 17, 2026

Happiness in Retirement and Your Numbers Part 2

<p><span style="font-family: 'times new roman', times, serif;">Last week, in Part 1, we dove into the habits and inner game of a happy retirement. Today, we are diving into the numbers.</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Retirement planning is not just about growing your investments or reaching a certain net worth. One of the biggest factors that affects retirement confidence is whether you understand your numbers and know how your money will support your lifestyle.</span></p> <p><span style="font-family: 'times new roman', times, serif;">Too often, individuals accumulate significant assets yet remain uncertain that their money will last. When retirees don't have a plan that coordinates their income, taxes, investments, and spending, nothing is working together. The result can be disastrous.</span></p> <p><span style="font-family: 'times new roman', times, serif;">In this episode, we dive into why clarity on the numbers matters, as well as the real drivers of retirement: security, confidence, and peace of mind.</span></p> <p><span style="font-family: 'times new roman', times, serif;">In this episode, you will learn:</span><br /> <span style= "font-family: 'times new roman', times, serif;">>> (5:59) A critical goal when transitioning to retirement</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (9:07) The secret to having peace of mind with your financial numbers</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (10:22) How to reduce making emotional decisions</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (14:32) How to avoid the sequence of returns that can destroy even the best plan</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (16:01) A critical aspect of retirement that is commonly overlooked</span></p> <p><span style="font-family: 'times new roman', times, serif;">The people who feel the most confident in retirement are rarely the ones chasing higher returns or checking the market daily. Instead, they are the people who understand their financial picture, know where their income is coming from, and have a coordinated plan they trust.</span></p> <p><span style="font-family: 'times new roman', times, serif;">When you have clarity around your retirement strategy, financial decisions become easier and less stressful. As a result, you can enjoy the retirement you have worked so hard to create.</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Enjoy the episode!</span></p> <p><span style= "font-family: 'times new roman', times, serif;"><strong>Are You Ready For Retirement?</strong></span></p> <p><span style="font-family: 'times new roman', times, serif;">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. </span></p> <p><span style= "font-family: 'times new roman', times, serif;">Access the quiz here: <a href= "https://themillionaireinsider.com/rrq">https://themillionaireinsider.com/rrq</a> </span></p> <p><span style= "font-family: 'times new roman', times, serif;">Enjoy the episode!</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Links Referenced in the Show:</span></p> <p><span style="font-family: 'times new roman', times, serif;">Have Questions? Need Support?<br /> <a href= "https://themillionaireinsider.com/sr">https://themillionaireinsider.com/sr</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">Show notes and more information:<br /> <a href= "https://themillionaireinsider.com/167">https://themillionaireinsider.com/167</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.</span></p>

Episode thumbnail for 8 Habits of a Happy Retirement Part 1

June 10, 2026

8 Habits of a Happy Retirement Part 1

<p><span style= "font-family: 'times new roman', times, serif;">Money matters in retirement—but it's not the whole story.</span></p> <p><span style="font-family: 'times new roman', times, serif;">Many people spend decades focused on saving, investing, and building wealth. They believe that once they reach a certain amount of money, happiness will follow. But reality and research often show something different.</span></p> <p><span style="font-family: 'times new roman', times, serif;">Once your basic financial needs are met, happiness in retirement is driven by something deeper: your health, relationships, purpose, mindset, and the habits you build each day.</span></p> <p><span style="font-family: 'times new roman', times, serif;">If you were unhappy before retirement, more money won't fix that.</span></p> <p><span style="font-family: 'times new roman', times, serif;">A happy retirement is built intentionally—with both a financial and a life plan that work together.</span></p> <p><span style="font-family: 'times new roman', times, serif;">In this episode, you will learn:</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (4:14) The priority that impacts everything</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (10:36) Real-life examples of finding your passion in retirement</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (17:08) What creates confidence</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (17:53) One thing my happiest clients did</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (19:09) How to determine how much guaranteed income you need</span></p> <p><span style= "font-family: 'times new roman', times, serif;">>> (22:20) The secret of truly happy people</span></p> <p><span style="font-family: 'times new roman', times, serif;">A happy retirement isn't about having the most money.</span></p> <p><span style="font-family: 'times new roman', times, serif;">It's about having the right foundation in place.</span><br /> <span style="font-family: 'times new roman', times, serif;">That includes:</span></p> <ul> <li style="font-family: 'times new roman', times, serif;"> <span style="font-family: 'times new roman', times, serif;">A clear, coordinated financial plan</span></li> <li style="font-family: 'times new roman', times, serif;"> <span style= "font-family: 'times new roman', times, serif;">Reliable income you can count on</span></li> <li style="font-family: 'times new roman', times, serif;"> <span style="font-family: 'times new roman', times, serif;">Strong relationships</span></li> <li style="font-family: 'times new roman', times, serif;"> <span style="font-family: 'times new roman', times, serif;">A sense of purpose</span></li> <li style="font-family: 'times new roman', times, serif;"> <span style="font-family: 'times new roman', times, serif;">The freedom to spend your time the way you choose</span></li> </ul> <p><span style="font-family: 'times new roman', times, serif;">When those pieces come together, something powerful happens:</span></p> <p><span style="font-family: 'times new roman', times, serif;">You stop worrying about money—and start living your life.</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Because the truth is, retirement isn't just a financial transition.</span></p> <p><span style="font-family: 'times new roman', times, serif;">It's a life transition.</span></p> <p><span style="font-family: 'times new roman', times, serif;">And the more intentional you are in designing it, the more confident, secure, and fulfilling your retirement becomes.</span></p> <p><span style="font-family: 'times new roman', times, serif;">Next week, we will dive into Part 2 and the numbers you need to know for a happy retirement.</span></p> <p><span style= "font-family: 'times new roman', times, serif;"><strong>Are You Ready For Retirement?</strong></span></p> <p><span style="font-family: 'times new roman', times, serif;">When you replace uncertainty with facts, including your income, your spending, and your strategy, everything changes. You move from guessing… to knowing. </span></p> <p><span style= "font-family: 'times new roman', times, serif;">Retirement readiness is not just financial; It's your life and future. </span></p> <p><span style="font-family: 'times new roman', times, serif;">Take the quiz: <br /> <a href= "https://themillionaireinsider.com/rrq">https://themillionaireinsider.com/rrq</a><a href="https://themillionaireinsider.com/rrq">.</a></span></p> <p><span style= "font-family: 'times new roman', times, serif;">Enjoy the episode!</span></p> <p><span style= "font-family: 'times new roman', times, serif;">Links Referenced in the Show:</span></p> <p><span style="font-family: 'times new roman', times, serif;">Take the Retirement Readiness Quiz<br /> <a href= "https://themillionaireinsider.com/rrq">https://themillionaireinsider.com/rrq</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">Have Questions? Need Support?<br /> <a href= "https://themillionaireinsider.com/sr">https://themillionaireinsider.com/sr</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">Show notes and more information:<br /> <a href= "https://themillionaireinsider.com/166">https://themillionaireinsider.com/166</a></span></p> <p><span style="font-family: 'times new roman', times, serif;">This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.</span></p>

170 total episodes available

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Frequently asked questions

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What is Wealth Inside and Out Podcast?

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

How often does this podcast release new episodes?

This podcast updates daily.

Where can I listen to this podcast?

This podcast is available on 7 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

Information about guest appearances is not available.

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