Wealth Inside and Out Podcast

About 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

Publisher

Annette Bau, CFP®

Category

business · education

Language

en

Explicit

No

First episode

27 Jan 2023

Latest episode

21 Oct 2026

Latest episodes

187 episodes in the feed.

1. 

   21 Oct 2026

   When Adult Children Ask for Money

   Giving money to an adult child who asks for it can feel like the natural thing to do. You love them, you want to help, and if you have the money, you may not give helping them a second thought. But helping your children financially isn't always as simple as writing a check. The more important question is whether helping them in this way supports their future or jeopardizes your own financial security and independence. Without clear boundaries, ongoing financial support can affect your retirement, create resentment, and even prevent your children from learning important money lessons. In this episode of The Millionaire Insider®, I share how to navigate these difficult conversations, determine when financial help makes sense, and set boundaries without guilt. In this episode, you will learn: >> (12:26) What to say when asked for money >> (17:12) Strategies to avoid conflict when your kids ask for money >> (20:46) Avoiding the comparison game >> (21:12) The power of saying no >> (22:32) The ultimate goal >> (24:06) A great statement when you say no Helping your adult children isn't necessarily a bad thing. Sometimes you may want to help with an emergency, education, a home, or another opportunity that can improve their future. Before you say yes, think about it. Decide what you can afford, what you are willing to fund, and whether your help moves your child toward greater independence or creates more dependence. Sometimes the most loving thing you can do is say no. Instead, offer a different kind of support and allow your adult child to solve the problem themselves. When your financial house is in order, you have more freedom to say yes when it makes sense—and no when it doesn't. 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 isn't just financial; it's your life and 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/185 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

2. 

   14 Oct 2026

   Retirement and Tax Questions You Should Ask Part 2

   In Part 2, we continue the conversation about taxes in retirement. We will explore important questions that can help you identify potential tax-related risks and opportunities before they become costly mistakes. Financial preparation for retirement is an ongoing process. Retirement and tax planning involve much more than looking at how much you owe in taxes each year. Rather, it should look at the bigger picture. A decision that saves you money today could cost you much more later. How and when you withdraw money, your retirement income, Roth conversions, Social Security, Medicare premiums, and even what happens after the first spouse dies can all affect your financial future. That is why the goal isn't to make one tax decision at a time. It is to create a coordinated plan and to understand how the different pieces work together. Seeing the big picture lets you make more informed decisions throughout retirement. In this episode, you will learn: >> (2:05) Critical insight you need to know >> (3:48) Ways to save through gifting strategies >> (7:31) What happens when a spouse dies >> (8:55) The problematic widow tax >> (13:44) Tax scenarios to help you determine your best strategy >> (16:16) One of the most important tax tips Retirement tax planning isn't about finding loopholes or simply paying the least tax in a given year. The goal is to ask the right questions at the right time and coordinate your estate planning decisions. When you understand how the pieces work together, you can make more informed decisions today while preparing for what may happen tomorrow. 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 isn't just financial; it's your life and 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/184 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

3. 

   7 Oct 2026

   5 Retirement and Tax Questions You Should Be Asking Part 1

   Most people spend decades saving and investing for retirement. But far fewer spend enough time planning how they will withdraw that money or considering how taxes will affect what they actually keep. Poor planning can lead to costly mistakes. Many factors can affect how much you pay in taxes throughout retirement. Examples include which accounts you withdraw from, the timing of those withdrawals, Medicare premiums, Roth conversions, and other financial decisions. The goal isn't simply to pay the least tax this year. It's to create a coordinated retirement and tax plan that helps you keep more of your money over your lifetime. In this week's episode, I share important retirement tax questions you should be asking before—and throughout—retirement. In this episode, you will learn: >> (0:59) One of the biggest mistakes retirees make >> (10:25) The ultimate goal and a major opportunity >> (15:06) Examples of actions you can take now >> (17:11) Roth conversion considerations Retirement tax planning isn't about finding a loophole or chasing the latest tax strategy. It's about asking the right questions early enough to still have time and flexibility to adjust your plan. The decisions you make before and during retirement ultimately affect how much money you have available to enjoy your life. A coordinated plan can help you see the potential impact of different choices and give you greater confidence that your decisions will support the retirement and life you want. 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 isn't just financial; it's your life and 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/183 This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

18 ratings

Spotify

4.2 / 5

5 ratings

Podcast Authority Score: 50 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

73

Social presence

0

YouTube

0

Engagement

71