From Middle Class to Millions

Shannon Brome-Ward
  • 5.0 (6)
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  • 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

    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

  2. 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
  3. 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
  4. 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

  5. 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

  6. FEB 19

    Investment Fees Cost Tina $1.3 Million (And Could Cost You 12 Years)

    Discover how hidden investment fees could be costing you over $1.3 million and 8-12 extra years of work. In this eye-opening episode of From Middle Class to Millions, I break down a real case study showing how a 47-year-old professional lost $140,000 over just 10 years due to high financial advisor fees - money that vanished without market crashes or bad investments. Learn the crucial difference between paying 2.19% versus 0.17% in investment fees and how this impacts your retirement planning and wealth building strategy. I reveal when it actually makes sense to pay for financial advice versus when you're better off managing your own portfolio with index funds and low-cost investing strategies. This episode covers essential personal finance topics including: Investment portfolio management and fee analysis Retirement savings strategies and financial independence planning When to hire a fee-based financial advisor vs. DIY investing Tax strategies and wealth accumulation techniques Financial literacy and money management fundamentals How to avoid losing years of your working life to unnecessary fees Whether you're focused on early retirement, FIRE (Financial Independence Retire Early), or simply maximizing your investment returns, this episode provides actionable financial planning advice to help you keep more of your hard-earned money and accelerate your path to financial freedom. Ready to uncover what fees are costing YOU? Book a free call with Shannon to analyze your portfolio and discover how much money and time you could be saving. Your financial clarity starts now!

    34 min

  7. FEB 12

    How to Build Multiple Income Streams and Reach Your First Million

    Ready to transform your relationship with money? In this powerful episode, Shannon Brome-Ward joins Cindy Wagman's Confessions podcast to challenge everything you've been told about personal finance and wealth building. Discover why "just getting by" isn't a sustainable financial strategy and how creating abundance benefits not just you, but your entire community. Shannon reveals the critical mistakes keeping business owners stuck in the middle class and the proven strategies millionaires use to build lasting wealth. Key topics include: Why women need to get comfortable talking about money and setting ambitious financial goals The simple investing strategy that beats market timing every time (S&P 500 index funds explained) How to start investing with just $25/month and automate your wealth building Creating multiple income streams through rental properties, passive income, and diversified investments Budget strategies that expand (not restrict) your life Retirement planning on your own timeline, not waiting until 65 Tax-advantaged accounts: 401(k), Roth IRA, and 529 college savings plans Whether you're a nonprofit professional, consultant, or entrepreneur, this episode delivers actionable financial planning advice to help you move from financial stress to financial freedom. Ready to create your own wealth-building strategy? Book a call today to start your journey from middle class to millions!

    43 min

  8. FEB 5

    I Was Wrong About January (And What It Cost Me)

    January is loud, but avoiding your money doesn't make the noise go away. In this episode of From Middle Class to Millions, Shannon breaks from traditional personal finance advice to talk about money mindset, limiting beliefs, and wealth-building for high earners who are tired of feeling unsure despite making good money. This isn't an investing-for-beginners episode or a budgeting how-to. It's a real conversation about why smart, responsible professionals still feel anxious about money - and how the stories you tell yourself can quietly cap your financial growth. Through reflection, real client outcomes, and a surprising January breakthrough, Shannon shares: Why January is actually a powerful time for financial planning The difference between earning well and building lasting wealth How high earners get dismissed and why that keeps them stuck What changed when one belief shifted (and another woman crossed a $1M net worth) Why waiting for the "right time" is the most expensive money habit there is If you're a six-figure earner who wants clarity, confidence, and a plan that works with your real life, and not against it, this episode will hit home. Ready to stop thinking about your money and start using it intentionally? Book a private call now. One conversation can move you out of middle-class money stress and into long-term wealth building.

    29 min
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Ratings & Reviews

5
out of 5
6 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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