In this episode of She Talks Money, I sit down with certified financial planner Whitney Emanuel, founder of Whitney Wealth Group, to talk about how high-income earners can build smarter, more tax-efficient wealth strategies.

Whitney shares her career journey—from large firms to launching her own—along with the limitations she saw in traditional financial advising. We break down why wealth building is about more than just investment returns, and how tax strategy, asset location, and long-term planning play a critical role.

We also cover common financial missteps, including lifestyle inflation, over-reliance on 401(k)s and stock options, and not balancing pre-tax and Roth contributions.

Finally, we get into actionable strategies like budgeting and automation, HSAs, backdoor Roths, brokerage investing, real estate, business-owner tax planning, and how to think about insurance, legacy planning, and alternative investments.