From Middle Class to Millions

Shannon Brome-Ward
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From Middle Class to Millions is a weekly podcast packed with practical tips, inspiring stories, and fun pop culture references, all designed to help you go from "just getting by" to seriously getting ahead. Whether you're dreaming of building wealth, setting up passive income, or breaking out of the middle-class mindset, this podcast is your guide to a financially free future. Shannon discusses how you can reach financial independence through acquiring and diversifying assets, enjoying life and having fun. She brings a fresh take for the middle-class earner who wants more spaciousness with their finances.

  1. 21 HRS AGO

    How to Invest While Paying Off Debt: Your Real Money Questions Answered

    Part 1 covered the framework. Part 2 is where it gets personal. This is the full Q&A from Shannon's live training, and the questions are the kind you've probably had yourself but never knew whom to ask. Women stayed on for nearly three hours because the conversation kept going deeper. Shannon answers questions about investing while in debt, what to actually do with a 401k you've been ignoring, whether couples can join together, what the down market really means for you right now, how compound interest actually works, the difference between traditional and Roth accounts, capital gains taxes and why wealthy people pay less than you do, and a lot more. If you haven't listened to Part 1 yet, start there first. Then come back for this. Enrollment for From Middle Class to Millions: Your $100K Portfolio is open now and closes Friday, April 17. In This Episode Should you pay off all your debt before investing? Shannon's honest answer What to do if your 401k has been sitting there for years doing nothing The difference between traditional and Roth accounts in plain English Why capital gains taxes are lower than income taxes and what that means for you How compound interest works and why $100K is the turning point Whether couples can join the program together How much money you actually need to start investing Why now, with the market down, is actually a good time to buy What financial independence really looks like when you're not willing to give up your lifestyle The go-go, slow-go, no-go framework for thinking about retirement Links & Resources Enroll now in From Middle Class to Millions: Your $100K Portfolio (CLOSES FRIDAY, APRIL 17 @ MIDNIGHT) Still have questions? Book a call with Shannon Follow Shannon on Instagram: @shannonbromeward

    2h 22m
  2. You Might Also Like: On Purpose with Jay Shetty

    21 HRS AGO ·  BONUS

    You Might Also Like: On Purpose with Jay Shetty

    Introducing NOAH KAHAN: Imposter Syndrome, Anxiety & The Pressure of Success (What He’s Never Shared Before) from On Purpose with Jay Shetty. Follow the show: On Purpose with Jay Shetty Jay sits down with singer-songwriter Noah Kahan to break down the pressure that comes after “making it” - the imposter syndrome, the constant comparison, and the fear of losing it all. Noah shares how music became his escape from anxiety growing up, what it felt like to finally land the record deal he dreamed of, and why success didn’t silence the doubt, it amplified it. Jay and Noah unpack the myth of the “tortured artist,” and the quiet fear that healing might take away what makes you creative. Noah opens up about his recent OCD diagnosis, how he let go of the belief that he had to suffer for his art, and what it took to find his voice again without relying on pain. Noah speaks candidly about his struggles with body dysmorphia and the unexpected therapy of creating his documentary. Together they explore what it means to find balance and to stop performing for the world so you can finally be seen by the people who matter most. In this episode, you'll learn: How to Stop Defining Your Worth by Your Work  How to Face Your Unseen Fears Through Therapy  How to Stay Present When Life Feels Overwhelming  How to Extract Lessons from Painful Feedback  How to Handle the Fear of Losing Your Success  How to Stay Grounded Between Praise and Criticism   How to Prioritize Your Time Over the Endless Grind Whether you are navigating a major life transition or simply trying to find your footing in a loud world, remember that your self-worth is not a mathematical equation based on your latest achievement. No one should have to navigate their mental health journey alone. Join Noah in the mission to prove that the more we share our stories, the more we empower others to do the same. Visit: https://www.busyheadproject.org/  With Love and Gratitude, Jay Shetty JAY’S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe https://news.jayshetty.me/subscribe   Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast  What We Discuss: 00:00 Intro 01:54 Seeing Yourself Through the Eyes of Others  04:39 The Childhood Memory That Defined My Career  05:42 Middle Child Energy and the Need to Be Heard  06:57 Music Was My Only Plan A  08:44 The Disconnect Between Fitting In and Being Genuine   11:09 Expressing Yourself Without Giving Yourself Away  14:05 Songwriting: The Constant Search for a Simpler Life  17:25 Every Creative Process Is Different  18:52 When What You Do Becomes Who You Are  24:07 The Power of Journaling Your Lessons  27:05 Does Healing Kill Creativity?  29:48 My Biggest Regret in Communicating with Family  32:43 The Vulnerability of Filming Your Private Life  36:32 Healing and Finding Peace as a Family  43:51 Has Success Made Mental Health Harder or Better?  46:19 The Honest Truth about Body Dysmorphia  52:09 Living and Dying by Your Own Honesty  57:40 The Difference Between Going to Therapy and Doing Therapy  01:00:24 Do You Secretly Find Comfort in Your Pain?  01:02:01 Re-evaluating What Truly Matters After Success  01:05:59 Finding the Strength to Believe in Yourself  01:11:04 Protecting Your Heart While Taking Criticism 01:14:06 Stability Rooted in Love and Marriage 01:20:48 Would You Rather? 01:22:55 Gut Reaction 01:25:46 Noah on Final Five   Episode Resources: Website | https://noahkahan.com/  YouTube | https://www.youtube.com/c/NoahKahan  Facebook | https://www.facebook.com/noahkahanmusic  Instagram | https://www.instagram.com/noahkahanmusic/  TikTok | https://www.tiktok.com/@noahkahanmusic  X | https://x.com/NoahKahan See omnystudio.com/listener for privacy information. DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to team@podroll.fm.

  3. APR 2

    How to Build a $100K Investment Portfolio: You Already Have Enough Money to Start

    If you've been making good money but your net worth isn't matching your income, this episode is for you. This is the recording from Shannon's live training, and it covers the exact three-strategy framework she uses to take women from financially scattered to building a real investment portfolio. In Part 1, Shannon breaks down why you already have enough money to start investing today, why debt is not a reason to wait, and what's actually keeping high earners from building wealth. She walks through the Money Finder strategy, how to build a six figure portfolio on a six figure income, and what it takes to get your money working for you through the Growth strategy. Real client stories included. Enrollment for From Middle Class to Millions: Your $100K Portfolio is open now and closes Friday, April 17. If this episode moves you, the link to join is below. In This Episode Why high earners still feel broke and what's actually causing the gap The three strategies: Money Finder, Six Figure Portfolio, and Growth Why you do not need to pay off all your debt before you start investing What a 401k is actually doing (and what it isn't) Why the $100K mark is the inflection point that changes everything Real client stories: a client who had neglected her retirement and inherited money she didn't know how to invest, a client rebuilding after divorce, and a client who lost her grandmother's inheritance and stayed out of the market for a decade and many more Why financial literacy is the missing piece, not income How From Middle Class to Millions: Your $100K Portfolio works Links & Resources Enroll in From Middle Class to Millions: Your $100K Portfolio (closes April 17): https://from-middle-class-to-millions.my.canva.site/middle-class-to-millions-page Still have questions? Book a call with Shannon: https://calendly.com/thewholebudget/60-min Follow Shannon on Instagram: @shannonbromeward

    1 hr

  4. MAR 26

    How I Became a Multi-Millionaire on a Normal Salary (And How You Can Too)

    How I Became a Multi-Millionaire on a Normal Salary (And How You Can Too) In this episode of From Middle Class to Millions, I break down the real reason I became a multi-millionaire and why so many high-earning women are still stuck, even with a six-figure income. It wasn't luck, timing, or being born rich. It was action. I walk you through how I went from having zero "wealth language" to learning the stock market, using my 401(k) and Roth 401(k), buying assets consistently, and building a seven-figure net worth on a very normal salary. We'll talk about the difference between women who keep "researching" personal finance and investing... and the ones who actually organize their money, plug the money leaks, pay off debt, start investing in index funds and ETFs, and move toward financial independence on purpose. You'll hear why six focused months can change the entire trajectory of your wealth, retirement, and lifestyle. No deprivation, no complicated trading, just a clear, simple system. If you're ready to stop feeling behind and start building real wealth with the money you're already making, join me for my FREE live webinar tonight, March 26th at 7 p.m. Eastern! 👉 Register for the webinar here: https://my.demio.com/ref/YggnVGUuBTSRN86Y

    36 min

  5. MAR 20

    Camp Be More with Chalene Johnson and Tiffany Aliche: What 700+ Women Really Want to Know About Building Wealth

    I just got back from Las Vegas, where I had the honor of speaking at Camp Be More alongside Tiffany Aliche and Chalene Johnson, and the money conversations in that room stopped me in my tracks. The women there were high earners, business owners, and breadwinners ranging from their 40s to their 80s. And still, the same fears kept coming up: Is it too late? Do I have enough? Will my money last? In this episode, I'm sharing the three money patterns I saw most in that room. Patterns I see every day with women building wealth: Defaulting to savings accounts and 401k contributions without a real strategy behind either one Waiting to invest until debt is paid off and conditions are "perfect" (spoiler: that day never comes) Hearing about passive income but having no roadmap to make it real Here's what I want you to know: financial independence is not a concept. It's a math problem. And you can solve it. Whether you're just starting to invest, trying to understand your 401k or IRA, or wondering how to build a portfolio that outlasts you, this episode is for you. Free Live Webinar: How to Build an Investment Portfolio: Without A Financial Advisor Or Living Like You're Broke Thursday, March 26 at 7pm ET. Register now. Spots are limited. REGISTER HERE TODAY!

    24 min
  6. Why Your 401k Isn't a Retirement Plan And What a Real Investment Portfolio Looks Like

    MAR 12

    Why Your 401k Isn't a Retirement Plan And What a Real Investment Portfolio Looks Like

    You enrolled in your 401k, you're contributing every paycheck but do you actually know what's happening inside that account? Most people don't. And that missing financial literacy could be costing you hundreds of thousands of dollars in retirement wealth. In this episode, Shannon breaks down everything your employer never told you about the most common retirement account in America. You'll learn where the 401k actually came from, why corporations were so eager to replace pensions with it, and what that shift means for your financial future. Here's what you need to know right now: Your fees (expense ratios) could be silently draining six figures from your retirement savings Your asset allocation determines whether your money grows or stagnates; and most people have never touched it Your employer match is the floor, not the strategy The 401k is a powerful starting point but it is just a starting point. A real investment portfolio includes Roth IRAs, brokerage accounts, and intentional money decisions that reflect your actual life and goals. If you're ready to stop guessing and start building real wealth without a financial advisor and without living like you're broke this episode is your foundation. Then take the next step. Join Shannon live on March 26th at 7pm ET for a free training: How to Build an Investment Portfolio Without a Financial Advisor or Living Like You're Broke. She'll go deeper, answer your questions, and walk you through the exact framework she uses with her clients. Register now! It's free.

    38 min
  7. I Make Good Money. So Why Don't I Feel Wealthy?

    MAR 5

    I Make Good Money. So Why Don't I Feel Wealthy?

    If your paycheck looks great but your financial life doesn't match, you're not alone and you're not doing anything wrong. In this episode, Shannon breaks down exactly why so many high-earning women still feel financially stuck, and what to do about it. You'll learn the four reasons behind the income-to-wealth gap: the W-2 trap, the 401(k) mystery, why income and net worth are not the same thing, and why your money stage matters far more than your age. Shannon walks through what's likely happening inside your retirement account right now — from default target-date funds to hidden expense ratios and why simply contributing to your 401(k) isn't enough to build real, lasting wealth. Whether you're earning $70K or $250K, this episode will help you understand why two women with identical salaries can end up in completely different financial positions a decade from now - and how small, consistent investing decisions are what close that gap. No side hustles. No restrictive budgets. Just a smarter strategy. Topics covered: net worth vs. income | 401(k) allocation and fees | compound interest | building wealth on a W-2 | how to start investing | financial literacy | retirement planning | wealth-building for women Register for the free live training, "How to Build an Investment Portfolio Without a Financial Advisor or Living Like You're Broke" Thursday, March 26 at 7PM ET

    30 min

  8. FEB 26

    Investment Accounts for Beginners: Stop Guessing & Start Building Real Wealth

    Confused about where to put your money? You're not alone and in this episode, we're breaking it all down. Shannon unpacks the most common investment accounts - the 401(k), Roth IRA, Traditional IRA, 529, and brokerage account - using one simple concept that will finally make it all click: think of them as containers, not investments. Whether you're just starting your wealth-building journey or you've been sitting on the sidelines unsure of your next move, this episode gives you a clear framework to evaluate which account makes the most sense for your financial situation right now. We cover the three key differences between every account type - tax timing, accessibility, and purpose - so you can stop overthinking and start taking action toward financial independence. We also touch on the powerful (and often overlooked) Health Savings Account, and why the brokerage account is where serious wealth building happens, especially if you're aiming for financial freedom before age 59½. Plus…something big is coming to this community. A resource specifically designed for women ready to stop leaving money on the table and finally build a real financial strategy. Stay tuned. 📩 Don't miss the announcement - join my newsletter:  Monday Money Message

    48 min
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About

From Middle Class to Millions is a weekly podcast packed with practical tips, inspiring stories, and fun pop culture references, all designed to help you go from "just getting by" to seriously getting ahead. Whether you're dreaming of building wealth, setting up passive income, or breaking out of the middle-class mindset, this podcast is your guide to a financially free future. Shannon discusses how you can reach financial independence through acquiring and diversifying assets, enjoying life and having fun. She brings a fresh take for the middle-class earner who wants more spaciousness with their finances.

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