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 matter 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.

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.

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.

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.

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.

A side hustle is one of the best strategies to secure your financial future. So today, I'm sharing some of my favorite profitable side hustles. If you want ideas for making some extra money, you will love today's episode.

In this episode, you will learn:

>> (5:31) Considerations for side hustle options

>> (10:20) My personal favorite side hustles

>> (14:24) What you must know to make money in this side hustle

>> (15:08) A billion-dollar nugget I wish I had known earlier

>> (17:47) Insights into referral and affiliate marketing

>> (22:16) Making money with real estate

>> (28:50) Options on where to start

The first step in generating additional income is to understand your motivations and identify what will work best for your situation. Today, we explore the various decisions and insights to help you choose the best option for generating additional revenue. I also share some of my favorite options so you can decide which scenario works best for you.

Enjoy the episode.

Links Referenced in the Show:

The Residual Income Guide: https://themillionaireinsider.com/rig

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/141

This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

If you experience anxiety, fear, and overwhelm with money, financial therapy may help you. Today, we delve into the numbers and emotions surrounding your finances. If you want to better manage stress and anxiety with your money and life, you'll love today's episode.

In this episode, you will learn:

>> (5:01) Options to help you deal with your money problems

>> (9:31) The one insight that changes everything

>> (13:12) A great question to ask

>> (19:05) Where to focus your energy & attention

>> (24:45) Free resource to help you with your money plan

If you want practical insight to help you better manage saving, investing, and spending your money, you will enjoy today's episode. You will learn where to focus your attention, questions to help you determine what you want and the cause of your stress, and where to find the support you need.

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/140

This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

Most people dream of a life where they follow their purpose, not just pursue a paycheck.

But where do you begin? How do you create a plan that allows you the freedom to follow your dream without the stress of wondering if you will have enough money to pay your bills now, while creating a financially secure tomorrow?

Today, we dive into that and more.

In this episode, you will learn:

>> (8:32) How to create a personal pension

>> (11:01) Why the amount you need may be lower than you expect

>> (15:39) Where to start if you need help

>> (15:56) My favorite journaling exercise to get organized

>> (18:29) How to determine when to say no

Waking up and doing what you love is priceless and what most people dream of. Today, you will learn how to create a plan to do just that. As a result, you can stop trading your precious time for a paycheck and instead spend your days how you desire. You will learn some unconventional ideas to help you start creating your dream life today.

Enjoy the episode.

Links Referenced in the Show:

The Residual Income Guide: https://themillionaireinsider.com/rig

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/139

This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

A recent study shared that the top mental health challenge facing Americans is anxiety. From rising costs and inflation to gun violence and political unrest, the list of reasons is endless. Today, we share insight on handling anxiety naturally and offer some helpful techniques that may bring you the peace you desire.

If you suffer from mental health challenges, get support from an expert or text the Suicide & Crisis Lifeline at 988. This episode is for educational purposes and not meant to replace any mental health expert.

In this episode, you will learn:

>> (5:04) What's more important than numbers

>> (6:59) Some of the most common causes of anxiety

>> (9:44) A key benefit of meditation

>> (11:51) One of my favorite affirmations

>> (13:50) A simple and powerful way to reduce anxiety

>> (15:35) Foods that help reduce anxiety

Before you pop a pill or pour a drink in an attempt to get some mental health relief, consider one of the healthier options shared in today's episode. You will also learn insights to help you identify stress and several options to manage and reduce it in your life.

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/138

This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.

The first step in managing your money effectively is determining which stage you are in. We will dive into the three different stages, as well as provide insights to help you make better financial choices, enabling you to create a life and retirement you love.

In this episode, you will learn:

>> (3:08) The three money stages

>> (7:24) One of the most important success tips

>> (12:48) What makes managing your money easier

>> (14:09) Examples of guaranteed income

>> (23:03) A real-life example when no one else knows the plan

Most people want to know how to manage their money better and create a financially secure future, regardless of their age.

Today, we outline the three money stages so you can determine where to start and how to create a plan to achieve your desired goal. If you want insight into making better financial decisions, you will love today's episode.

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/137

This information is for educational purposes only and is not intended to provide financial, investment, or planning advice.