From Middle Class to Millions

Shannon Brome-Ward
  • 4.7 (7)
  • Investing
  • Updated Weekly

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. 2d ago

    4 Places to Find Hidden Money to Start Investing (Even If You Think You Don't Have Enough)

    Think you don't have enough money to start investing? You might be wrong, and this episode shows you exactly where to look. In this episode of From Middle Class to Millions, Shannon breaks down the biggest myth holding women back from building wealth: believing they need more money before they can begin. Whether you're just starting your investing journey or working toward your first $100,000, this episode is packed with practical personal finance and money management tips you can use today. You'll learn the four places hidden money is often sitting untouched: old 401(k)s from previous employers, health savings accounts (HSAs) that double as stealth retirement accounts, unclaimed funds in your state's treasury database, and cash sitting idle inside investment accounts instead of actually being invested. Shannon explains the difference between having an investment account and truly being invested, how compound interest and time in the market beat timing the market, and why paying off debt and investing for retirement can happen at the same time. If you're ready to stop feeling anxious about money, get organized, and build real wealth, whether that's your first $100K or your path to financial independence, this episode is your starting point for smarter financial planning, wealth building, and retirement savings. Ready to go deeper? These four places to find money are just the beginning. Inside From Middle Class to Millions: Your 1st 100K, Shannon walks you step by step through organizing your accounts, paying off debt, and investing with confidence, so you can close out the year with a real plan and start building toward your first $100K. 📋 See program details 📅 Ready to get your money working for you? Book a free call with Shannon and get a personalized plan.

  2. Aug 13

    How Everyday People Build Financial Freedom (Redefining What Wealthy Really Means)

    Social media has convinced us that wealth means private jets, Lamborghinis, and seven figure launches. In this episode of From Middle Class to Millions, Shannon breaks down what financial success actually looks like for everyday people quietly building real financial independence, and why those wins rarely make it onto Instagram. This episode covers the "boring" financial decisions that actually create financial freedom over time: increasing your 401k contribution, automating transfers, building a fully funded emergency fund, paying off debt ahead of schedule, and investing consistently instead of spending every bonus. Shannon also shares a client story about building a vacation fund so travel never means going into debt, plus why she believes personal finance isn't just about spreadsheets, it's about creating options. If you're a high earning woman trying to figure out where to start with investing, retirement planning, or simply defining what financial security means for your own life (not your neighbor's, not an influencer's), this episode will help you get honest about your own version of wealthy. Shannon also talks about her group coaching program, where she helps clients build the financial foundation first: understanding debt, investments, mortgage payoff, retirement savings, and timeline, before tackling bigger goals like early retirement or buying a second property. Ready to build your financial foundation? Join From Middle Class to Millions: Your First 100K here Ready for 1:1 support? Book your call here

  3. Aug 6

    Investing for Beginners: The Language of Money

    In this episode of From Middle Class to Millions, we're breaking down the language of money so investing for beginners finally feels approachable. If terms like ETF, stock, bond, mutual fund, 401k, IRA, HSA, or 529 plan make your eyes glaze over, this episode is your starting point. We talk about why building wealth and reaching financial independence isn't just about the numbers on your net worth statement. It's about connecting your money to your actual goals and dreams. You'll hear real talk about tackling debt payoff while still investing, building a sustainable money strategy instead of a restrictive one, and creating multiple income streams through real estate investing, vending machines, and running a side business. This episode is especially for women who want to build wealth, retire early, and stop trading time for money. We cover breaking the cycle of debt, reducing money anxiety, and developing the confidence to make your money work for you instead of the other way around. Plus, details on our free webinar, "How to Build an Investment Portfolio," happening Wednesday, August 12th at 7:00 PM EST. Learn the fundamentals of investing for beginners, debt payoff strategies, and how to build a path toward financial independence, all explained in plain English, no jargon required. Register for the free webinar here

  4. Jul 30

    Am I Bad With Money? Take This 10 Question Quiz

    Think you're on track financially? This episode is a self audit, not a lecture. In this quiz-style episode, personal finance coach Shannon Brome-Ward walks you through 10 questions covering emergency funds, debt payoff strategies, investing for beginners, retirement planning, and tax brackets explained, the same questions she uses to help clients close the gap between where they are and financial freedom. You'll learn how to calculate the right emergency fund for your household, why "something always comes up" is really a planning problem, how to choose a debt payoff strategy that works, and why postponing investing quietly costs you more than you think. Shannon also breaks down how your 401k actually works, why your HSA is one of the most powerful retirement accounts available, how marginal tax brackets really work so a raise never hurts you, why a big tax refund isn't a win, and how to spot fixed expenses that aren't actually fixed. The 10 Questions: Do you have the right emergency fund? Do you keep dipping into your savings? Does something always come up? Are you drowning in debt that won't move? Do you keep postponing investing? Do you actually understand your 401k? Are you using your HSA? Are you afraid of a raise because of tax brackets? Are you getting a huge tax refund every year? Have you actually looked at your fixed expenses? Ready for real answers, not vague advice? Join Shannon live for her free masterclass, How to Build an Investment Portfolio Without a Financial Advisor or Living Like You're Broke, on Wednesday, August 12 at 7pm EST. Register here.

  5. Jul 23

    Investing for Women Over 40: Is It Too Late to Start Building Wealth?

    If you've ever asked yourself "is it too late for me," this episode is for you. I break down why that fear, not the math, is what actually keeps women stuck. We talk life expectancy (women are living to 81+ on average), why boring and consistent beats chasing crypto tips or gambling on catch up strategies, and the real math behind how compound interest and historical market returns can still build significant wealth even if you're starting at 45, 50, or later. I walk through how to calculate your financial independence number, why shame (not lack of intelligence) is the real reason so many women avoid opening their retirement accounts, and the client stories that prove late starters are not behind, they are just untaught. If you're a late starter to investing and retirement planning, or you just want a realistic plan for financial security and financial independence, this episode gives you the mindset shift and the math to get started today. In this episode: Why "is it too late" is a feeling, not a fact The real math on compound growth for late starters (45, 55, and beyond) How to calculate your financial independence number Why boring, consistent investing beats chasing risky tips Catch up contribution strategies for 401k and IRA accounts Mentioned in this episode: Join my free live training, How to Build an Investment Portfolio, on Wednesday, August 12th at 7pm Eastern. Register here.

  6. Jul 16

    Personal Finance for Women: Why a High Income Won't Make You Wealthy

    You can be making $350,000 a year and still lie awake at 3am wondering if you're doing the right thing with your money. In this episode, I break down why income alone will never make you wealthy. And why so many high-earning, financially savvy women still feel confused, behind, and unsure about their financial future. I walk through the four stages of financial growth (from drowning to thriving), explain why budgeting harder is not a wealth-building strategy, and share real stories from clients who went from "mine is at zero" to building real investment portfolios in just 12 weeks. We talk net worth, retirement accounts, investment strategy, and the mindset shifts that separate women who stay stuck from women who become millionaires. If you've ever felt like money is a language you were never taught, this episode is your starting point. In this episode: Why a high income doesn't equal financial security or wealth The four stages of financial growth, and how to know which one you're in Why "I'll start when life settles down" is costing you more than you think The homework: opening the retirement account you've been avoiding Real client stories of going from financial confusion to a working investment portfolio Mentioned in this episode: Join my free webinar, How to Build an Investment Portfolio, on Wednesday, August 12th at 7pm Eastern. Register here. Can't make it live? Sign up anyway for the replay.

  7. Jul 9

    Why Even Smart People Fall for Marketing (And How to Protect Your Investments)

    In this episode, Shannon shares a story from her final week in Toronto that turned into an unexpected lesson in personal finance and money mindset. While visiting a close friend, an intentional spender with zero debt and a clear grip on the difference between needs and wants, Shannon discovers that even the most financially disciplined people can fall prey to marketing psychology. A YouTube ad convinced her debt free friend to buy cookware she didn't need, and that moment sparks a bigger conversation about consumer spending, investing, and financial independence. Shannon breaks down why building wealth requires more than good intentions. It requires a plan. She talks about the difference between being a consumer and being an investor, using her own experience as an Apple product owner turned Apple shareholder as an example of shifting from spending money to making money work for you. This episode is a reminder that marketing companies are studying consumer psychology every single day, and without a clear financial plan, even strong savers can get swept into overspending. If you are working toward financial freedom, learning how to invest with intention, or trying to build a wealth building habit that protects you from impulse spending, this episode offers a real world look at why investing first matters. Share it with someone who needs a nudge to turn their spending into strategy.

  8. Jul 2

    How to Build Wealth While Raising Kids: Investing, Budgeting & Paying Yourself First

    This week, Shannon gets personal: her youngest just graduated high school, and the emotional reality of becoming an empty nester caught her completely off guard. But underneath the feelings is a powerful financial story, one that took decades of intentional money management to write. Shannon walks you through the wealth-building milestones she used to navigate the expensive, chaotic years of raising kids, and how you can use the same simple strategies to reach financial freedom no matter where you are in your journey. In this episode: Why the end of daycare is one of the biggest wealth-building opportunities most families miss and how to redirect those dollars into investments before lifestyle creep absorbs them The car payment strategy: what happens when you drive your car beyond the loan and pay yourself instead of the bank How to budget for family travel and meaningful experiences without putting it on a credit card Why automating your investments removes the monthly temptation to spend that money elsewhere Retirement contributions as a non-negotiable and why saving for yourself is a gift to your kids The role of term life insurance in protecting your family during the wealth-building years Teaching your children a simple framework for earning, saving, investing, donating, and spending Whether you're deep in the paycheck-to-paycheck grind with toddlers at home or approaching your own empty nest moment, this episode is your reminder: you can build wealth right where you are. Ready to build your own wealth-building plan? Book a free discovery call with Shannon and get the personalized guidance you need to start investing, budgeting, and paying yourself first, no matter what season of life you're in. Book your call here → link

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Ratings & Reviews

4.7
out of 5
7 Ratings

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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