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. 3D AGO

    How to Build Financial Independence in 2026: Why Planning Beats Resolutions

    Ring in 2026 with a powerful episode about intentional financial planning and wealth building! Shannon shares her personal approach to creating a meaningful financial plan for the new year beyond traditional New Year's resolutions. In this episode, discover why planning is essential for achieving financial independence and building long-term wealth. Shannon opens up about navigating her son's decision to take a gap year, drawing parallels to how many people approach their personal finance journey - with interest and desire, but slow action toward their money goals. Learn why intentional planning is crucial for your financial future, retirement planning, and net worth growth. Shannon discusses how to eliminate financial anxiety through strategic money management and course correction, rather than letting decades pass without taking action toward financial freedom. Key topics include wealth creation strategies, investing in yourself, building a million-dollar net worth, and developing the confidence to pursue your financial goals. Shannon challenges listeners to pick up the pace on their financial literacy journey and stop wandering aimlessly with their money. Whether you're focused on retirement savings, passive income, or achieving financial security, this episode emphasizes that you can accomplish more in one year than you think, but only with intentional planning and action. Ready to create your path to financial independence in 2026? Shannon is helping women build wealth and reach million-dollar net worth milestones. Start your money transformation today!

    30 min

  2. 2025-12-25

    From Paycheck to Paycheck to Wealth Building: A Client Success Story

    Are you a high earner still living paycheck to paycheck? In this episode, we explore how to break the cycle of overspending and finally start building wealth even without a raise or bonus. Discover why traditional budgeting advice fails and learn the real strategy for living within your means while increasing your investment contributions. Shannon shares a powerful case study of clients who were sneaking money from savings accounts, tapping credit lines, and juggling credit card debt despite earning six figures. Through behavioral pattern interruption and strategic financial planning, they achieved something remarkable: paying off credit cards in full and increasing their retirement savings, all without earning additional income. You'll learn about the hidden money leaks preventing you from reaching financial independence, how lifestyle inflation silently destroys wealth-building potential, and why accountability matters more than knowledge when it comes to personal finance success. This episode reveals the exact steps to organize your cash flow, build an emergency fund, and create a sustainable path to a seven-figure net worth. Whether you're struggling with debt management, trying to maximize your 401k contributions, or simply want to align your spending with your financial goals, this episode provides actionable wealth-building strategies for W2 earners ready to take control of their money and retire with confidence. REGISTER for the upcoming webinar: "How to Build a Million-Dollar Net Worth" on December 30th at 7 PM Eastern.

    12 min

  3. 2025-12-18

    How to Open an IRA in 2026: Step-by-Step

    Ever feel like you want to start investing… but you're stuck at the "okay but what button do I click?" stage? In this episode of From Middle Class to Millions, Shannon breaks down the step-by-step process for opening and funding an IRA in plain English - using Fidelity as the example (but the steps are similar at Vanguard and Charles Schwab). You'll learn the difference between employer-sponsored retirement plans, 401(k), 403(b), 457(b), and the TSP (Thrift Savings Plan), and why you can't open those on your own unless your workplace offers them (often with an employer match and vesting schedule). Then Shannon explains how Traditional IRA vs Roth IRA works, including tax benefits, tax-free growth, withdrawal rules at age 59½, and the 2026 contribution limits ($7,500 / $8,600 if 50+). Most importantly, she walks you through how to: Open a Roth IRA or Traditional IRA Link your bank account Transfer money into the IRA Avoid the common mistake of leaving money in cash Invest in a low-cost S&P 500 index fund (example: FXAIX) Set up automatic investing (aka "pay yourself first" + dollar-cost averaging) If you're searching for how to start investing, investing for beginners, retirement planning, or how to build wealth, this is your play-by-play. Want personalized help choosing the right account and strategy? Shannon invites you to book a call and start 2026 off right.

    56 min

  4. 2025-12-11

    Why 'I'll Start Later' Is Costing You Millions And How To Catch-Up Fast

    Are you still telling yourself, "I'll start investing later"? If so, this episode is your wake-up call. Today, Shannon breaks down the real difference between women who retire with options and women who retire in panic — and spoiler alert, it isn't income, intelligence, or age. It's action. Fresh off her interview on The The Chalene Show, Shannon shares insights from dozens of new conversations with high-earning women who know they should be investing but keep postponing it. You'll meet two women — one 42, one 62 — with the same fears, stalled confidence, and a pile of excuses dressed up as "responsible reasons." This episode digs into: 💰 Why financial procrastination destroys wealth 📉 How "I'll start later" becomes a lifelong money pattern 📈 What separates women who build seven-figure net worths 🏦 How to take one money move this week that changes everything 🙋‍♀️ Why investing, retirement planning, earning more, and wealth building aren't optional—they're essential If you're searching for financial freedom, investing for beginners guidance, personal finance education, retirement confidence, and the strategies to turn your six-figure income into a seven-figure net worth, this is your reminder: fear is normal—inaction is expensive. 📌 Register for Shannon's free webinar: Build a Million-Dollar Net Worth → SAVE MY SPOT 🎧 Listen to Chalene's audio podcast → LISTEN HERE 📅 Book a consultation and stop guessing about your money → CATCH-UP FAST

    34 min

  5. 2025-12-04

    How I Became a Millionaire: The Simple 6-Month Money Plan Women Are Searching For

    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 on December 11th at 7 p.m. Eastern. 👉 Register for the webinar here: Build $1M Net-Worth & Become Financially Independent At Any Age! 👉 Join my weekly money email here: WEEKLY EMAIL SIGN-UP LINK

    33 min

  6. 2025-11-27

    Building Wealth to Support Your Family in the Sandwich Generation

    In this Thanksgiving episode of From Middle Class to Millions, I'm taking a step back to say something we don't say nearly enough in the world of personal finance: thank you. This podcast just hit its one-year mark, and every download, message, rating, and share reminds me exactly why I teach women how to build wealth, get financially organized, and create a path to financial independence, even if they didn't grow up talking about money. Today, I'm sharing the real story behind why I started this show: growing up without financial education, learning to invest from scratch, building a seven-figure net worth on a middle-class income, and helping other women move from chaos to clarity, from debt to investing, and from "I should've started 10 years ago" to "I'm finally building wealth." I also open up about navigating the sandwich generation - supporting aging parents while raising kids - and how the systems, assets, and investing habits I built years ago gave me the freedom to slow down, help my family, and still remain financially secure. That's the real luxury. That's what financial freedom actually looks like. If you're a high-earning woman who feels overwhelmed, stretched thin, or behind on your money, this episode is your reminder: it's not too late. You can build wealth, protect your family, and create a financial plan that works. Book your call and stop guessing - let's get your money organized, working hard, and growing into the seven-figure life you've been craving.

    31 min

  7. 2025-11-20

    30-Day Financial Plan for Women 50+

    30-Day Financial Plan for Women 50+ In today's episode of From Middle Class to Millions, Shannon shares the final chapter of Lisa's story, a 53-year-old high-earning woman who spent years avoiding her finances, feeling overwhelmed, and doubting she could ever build a million-dollar net worth. In just 30 days, everything changed. You'll hear how Lisa went from scattered accounts, old 401(k)s, financial anxiety, and analysis paralysis… to a clear net worth plan, an investment strategy she actually understands, and a path to financial independence she never thought was possible. This episode breaks down: Why it's not too late to start building wealth in your 40s, 50s, or 60s How organizing your accounts can relieve years of stress in one month The simple wealth-building strategies high earners overlook Why basic financial literacy, not perfection, is the real unlock How six-figure income earners can grow to seven-figure net worth with a clear plan How to rethink money, investing, retirement savings, and long-term security If you're a high-earning woman who's been Googling "how to start investing," "retirement planning," "how to build wealth," or "is it too late for me?" at 2AM this episode is your permission slip to start now. ➡️ Book your consultation and get the same 30-day money transformation Lisa experienced. ➡️ Share this episode with another woman who needs to know she is not behind. Your million-dollar net worth starts with clarity and clarity starts today.

    30 min

  8. 2025-11-13

    Girl, Get Your Money Organized: Financial Planning Steps for High-Earning Women

    Girl, Get Your Money Organized: Financial Planning Steps for High-Earning Women Part 2 of 3 | Listen to Part 1 here Feeling paralyzed by financial decisions? In this episode, we continue Lisa's story—a 53-year-old professional who outsourced money management for 20 years and now faces the overwhelming task of taking control of her financial future. Discover the three-phase framework for building wealth from the ground up: getting organized, stabilizing your foundation, and entering the growth phase. Learn why financial planning starts with complete clarity—gathering all accounts, calculating your net worth, and understanding actual cash flow, not estimates. For 1099 contractors and self-employed professionals, we discuss critical gaps in benefits coverage including disability insurance and life insurance that W-2 employees take for granted. Plus, explore strategic debt payoff methods that don't sacrifice investment opportunities and time in the market. We tackle the college versus retirement planning dilemma: why your kids can take out loans for education, but you cannot borrow for retirement. Learn to create automated money management systems that work during life's chaos, eliminating daily financial anxiety. Whether you're a high-earning woman, first-generation wealth builder, or someone ready to stop worrying and start building real financial independence, this episode provides actionable steps toward long-term wealth building and security. Book a consultation to start your journey from overwhelmed to in control. Next week: Part 3 - The Growth Phase: Building Real Wealth

    33 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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