From Middle Class to Millions
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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Stop Bleeding Money And Start Building Wealth
05/08/2025
Stop Bleeding Money And Start Building Wealth
You’re earning more than you ever have before—maybe even double or triple what you were making a decade ago. But somehow, the money still disappears before the month ends. No retirement savings. No emergency fund. Still living paycheck to paycheck. Sound familiar? In this episode of From Middle Class to Millions, we’re talking directly to high earners in their 40s and 50s who feel stuck in a cycle of perpetual debt, stress, and shame—even though the income is finally there. Shannon breaks down why this problem exists (hint: it’s not your income), the emotional toll of looking successful but feeling financially unstable, and the most common reason budgeting hasn’t worked for you. You’ll hear: Why more income doesn’t automatically equal financial freedom What “lifestyle creep” really costs you The truth about restrictive budgeting—and why it fails How the WINS Framework (Wants, Investing, Needs, Savings) can create financial clarity fast The real meaning of financial freedom—and how to reach it in 6 months or less This episode is a wake-up call and a lifeline. If you’ve been trying to out-earn your money problems and it still feels like you’re losing, it’s time for a new plan—one that works with your lifestyle, not against it. 👉 Ready to break the cycle? with Shannon and get a customized plan to stop bleeding money and start building wealth.
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What's the Magic Number?
04/30/2025
What's the Magic Number?
Are you feeling overwhelmed by the rising cost of retirement? You're not alone—and this week’s episode of From Middle Class to Millions dives into why the new retirement “magic number” is now $1.46 million, according to the latest Northwestern Mutual study. Shannon breaks down what this number really means, how realistic it is for the average middle-class earner, and why it’s more important to find your number—not just follow a national average. Whether you're a six-figure earner with no plan, or you're just trying to figure out how to balance saving with daycare, debt, and day-to-day expenses, this episode offers actionable guidance for building long-term wealth. You’ll learn: Why a “one-size-fits-all” retirement goal doesn’t work How inflation and healthcare are shifting retirement planning How to start investing—even if you can’t max out your 401(k) Why consistency and time beat perfection in wealth building How to back into your personal retirement number and build a plan around it This isn’t just about retirement—it’s about reclaiming control of your financial future. 🎧 Listen in now and learn how to build wealth without stress, shame, or spreadsheets. And don’t forget to rate, review, and share this episode with someone who uses money (hint: that’s everyone).
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How Much Do You Really Need to Retire? (It’s Not a Percentage)
04/24/2025
How Much Do You Really Need to Retire? (It’s Not a Percentage)
Are you wondering how much money you should be saving for retirement? Tired of hearing the same old advice to “save 15% of your income” — without any real explanation of what that means for you? In this episode of From Middle Class to Millions, Shannon breaks down why the percentage-based retirement advice is not just outdated — it’s misleading. Instead, she introduces a simpler, more effective approach: calculating your personal “work-optional number.” Forget retirement at 65 — this is about knowing exactly how much you need to buy your freedom and start living life on your terms. Learn how to reverse engineer your retirement plan using the 25x Rule (based on the Trinity Study and the 4% safe withdrawal rate). Discover how to figure out your real retirement number by looking at your current lifestyle expenses, and why this method is a game-changer for high earners, moms, entrepreneurs, and anyone ready to stop guessing and start growing their wealth. If you're ready to calcultate your retirement number and start working towards your work-optional life, with me.
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Raising Money-Smart Kids: Breaking the Cycle of Scarcity
04/17/2025
Raising Money-Smart Kids: Breaking the Cycle of Scarcity
In this powerful episode of From Middle Class to Millions, we’re diving deep into how to raise money-smart kids—even if you’re still learning how to manage money yourself. Inspired by real stories from my own childhood, my clients, and incredible moms I met at the Mom 2.0 Summit, this episode explores how to break generational cycles of financial stress and teach kids to build wealth from a young age. I share how growing up in a household shaped by poverty and fear of financial risk impacted my own money mindset—and how I chose to shift that narrative with my kids. I discuss a relatable example from The Real Housewives of Atlanta, where Kenya Moore’s risky business move with her daughter's college fund highlights the importance of intentional money planning and focus. You'll learn: Why children begin to absorb money beliefs by age 7 Four key “money buckets” to teach your kids: Spend, Save, Invest, and Give How to build a household culture where money is talked about openly and without shame How to balance your own financial growth while modeling better habits for your children Plus, I give an exciting update on the coaching series—designed specifically for moms and content creators who want to grow their wealth with confidence and clarity. 🎧 Tune in and learn how to stop the cycle of confusion around money and create a legacy of financial confidence in your family. 👉 Don’t forget to re-subscribe (thanks, Apple updates!) and share this episode with anyone who uses money. Let’s grow together
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Build Wealth Anyway: How Smart Moms Thrive in Any Economy
04/10/2025
Build Wealth Anyway: How Smart Moms Thrive in Any Economy
Fresh from the Mom 2.0 Summit in Orlando, this episode dives into the money questions that moms, entrepreneurs, influencers, and content creators are really asking—from budgeting and debt to investing and legacy building. Shannon shares takeaways from the conference and introduces her upcoming live coaching series, —a powerful space for women ready to take control of their financial futures. Whether you’re navigating a W-2 job, running your own business, or just starting your money journey, this episode covers how to: ✔️ Build emergency savings ✔️ Tackle high-interest debt ✔️ Increase income—even during economic downturns ✔️ Ride out stock market volatility ✔️ Reclaim your financial confidence Money is emotional, but with the right strategies, support, and mindset, you can weather any financial storm. 🎁 Special Offer: $50 off for Mom 2.0 attendees who sign up by Friday, April 11th. - Ways To Maximize Your Day Job To Build Wealth - Everything's A Mess! How Do I Begin To Clean Up My Finances? with me today, so that you can get on the other side of this economic crisis with more money in your pocket!
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How to Create Financial Stability When Your Income Fluctuates
04/03/2025
How to Create Financial Stability When Your Income Fluctuates
In this episode of From Middle Class to Million$, I’m coming to you straight from sunny Orlando, where I’m speaking at the Mom 2.0 Summit—a premier event for content creators, influencers, and media professionals. While everyone’s focused on growing their audience and landing brand deals, I’m bringing something different to the table: how to make the money you’re earning work for you. I dive into the challenges faced by content creators and entrepreneurs who don’t have the security of a steady paycheck. I share my journey from W-2 employee to full-time entrepreneur, explaining how I created multiple income streams to reduce income variability and build lasting wealth. Whether you’re a content creator, business owner, and/or high-income earner, this episode highlights: ✅ How to maintain a steady income despite fluctuating revenue ✅ The importance of diversifying income streams to build wealth ✅ Why reinvesting in your business is smart—but don’t stop there ✅ How to safeguard your financial future so you have the freedom to pivot when creativity evolves Key Takeaways: The dangers of relying solely on one income stream How to create options for yourself with passive income Why money gives you choices—time, security, and flexibility Ready to take control of your money? Book a call with me to start your journey toward financial independence. And don’t forget—share this episode with anyone who uses money! 🎧 Listen now and learn how to make your money grow while you create!
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The Millionaire's Secret: Investment Opportunities They Don't Want You to Know About
03/27/2025
The Millionaire's Secret: Investment Opportunities They Don't Want You to Know About
In this eye-opening episode, we explore how first-generation millionaires navigate wealth preservation and growth. Shannon shares her experience with an exclusive investment group that reviews private equity deals typically only accessible to accredited investors (those earning $200,000+ individually or with $1M+ net worth). The episode highlights two critical wealth-building topics: Investment Access & Wealth Building The barriers preventing middle-class investors from accessing lucrative private equity opportunities How networking and financial education can bridge the investment knowledge gap The importance of diversifying income streams beyond your primary source Strategic micro-decisions that compound into significant wealth over time Women's Financial Independence How career breaks (maternity leave, caregiving) impact women's long-term wealth The gender pay gap and its effect on retirement savings and Social Security benefits A cautionary example from The Breakfast Club controversy where Jess Hilarious lost her position after maternity leave Key financial strategies shared include purchasing multi-family homes, redirecting funds from paid-off debts to investments, and systematically converting small savings into income-generating assets. Whether you're focused on financial independence, retirement planning, or building generational wealth, this episode provides practical wisdom for anyone on the journey from middle class to millions.
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BONUS EPISODE: How To Create Disposable Income in 2025
03/20/2025
BONUS EPISODE: How To Create Disposable Income in 2025
In this bonus episode of From Middle Class to Million, Shannon shares key insights from her highly attended November webinar, How to Create Disposable Income in 2025. If you’re ready to stop trading time for money and start making your money work harder than you do, this episode is a must-listen. Shannon introduces the Middle Class to Millionaire Budgeting Framework, a customized system designed to prioritize what truly matters to you and redirect your income to create financial freedom. She breaks down how to: ✅ Identify leaks in your budget and plug them with ease ✅ Align your spending with your values to eliminate guilt and confusion ✅ Automate and simplify investing to build long-term wealth effortlessly You’ll also hear success stories from real clients, like Rosemary and Jeremy, who went from feeling overwhelmed by their six-figure income to achieving financial security, paying off debt, and even buying their dream lake house. Key Takeaways: 🔹 Why creating disposable income is the first step toward wealth 🔹 How to shift your focus from “working harder” to “working smarter” 🔹 The importance of automating investments to grow wealth over time Ready to create disposable income and unlock financial freedom? Tune in now and start making your money work harder than you do! 🎧 Listen now and take control of your financial future!
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"I Earn Six Figures—Now How Do I Build Wealth?"
03/13/2025
"I Earn Six Figures—Now How Do I Build Wealth?"
In this episode of From Middle Class to Millions, we dive into the unique challenges faced by high earners who are the first in their families to reach this income level. Many of you have worked hard—through education, business, and careers—to earn a great salary, yet the knowledge of how to build and grow wealth is often missing. I explore the mindset shift required to move beyond just earning a high income and into true wealth-building. We discuss the importance of investing beyond your 401(k) and IRA, diversifying your income, and creating assets that generate money for you. If you’ve ever felt unsure about where to start or how to leverage your income for long-term financial freedom, this episode is for you! Key Takeaways: The experience of being a first-generation high earner and why managing wealth feels unfamiliar. The limitations of a traditional middle-class money mindset and how to break free from it. Why a 401(k) and IRA alone aren’t enough to build lasting wealth. How the wealthy use assets to generate money and preserve financial security. The importance of diversifying income streams and making your money work for you. Connect With Me: Instagram: Join the From Middle Class to Millions community on Be sure to subscribe and leave a review if you found this episode helpful! 🚀
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Your Tax Refund IS NOT A Bonus!
03/06/2025
Your Tax Refund IS NOT A Bonus!
In this eye-opening episode, Shannon breaks down critical misconceptions about taxes, income tax refunds, and wealth-building strategies that keep many middle-class individuals financially stuck. Key Insights: Tax Bracket Myths Debunked: Understand how the marginal progressive tax system actually works Strategic Tax Reduction: Learn legitimate ways to lower your taxable income Wealth-Building Approaches: Discover how high-income earners manage their taxes differently The Truth About Tax Brackets Contrary to popular belief, moving into a higher tax bracket doesn't mean all your income is taxed at the higher rate. The U.S. tax system is progressive, with different portions of your income taxed at different rates. Reducing Your Tax Liability Maximize 401(k) contributions to lower taxable income Understand the difference between earned income and capital gains taxes Learn how strategic investing can minimize your tax burden Breaking the Income Tax Refund Cycle Stop treating your tax refund like a bonus. Instead, learn how to: Keep more money in your paycheck throughout the year Invest strategically Build an emergency "life happens" fund Create multiple income streams Actionable Takeaways: Review your W-4 withholdings Create a robust budgeting strategy Build an emergency "life happens" fund Explore investment opportunities beyond traditional income It's time to stop relying on this artificial bonus and start investing for your future, with me today!
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Everything's a mess! How do I begin to clean up my finances?
02/27/2025
Everything's a mess! How do I begin to clean up my finances?
Feeling overwhelmed by your finances despite bringing home a good income? You're not alone! In this down-to-earth episode of "From Middle Class to Millions," we tackle the question so many six-figure earners are afraid to ask: "Why am I still struggling financially?" Let's face it – making money is one thing, but knowing what to do with it is another story entirely. We break down why 80% of Americans (yes, even high earners!) are trapped in debt, and share the straightforward steps to join the wealth-building 20%. What you'll learn: How to finally get real about what's coming in and where it's actually going (no judgment, just clarity!) Why you need a "Life Happens Fund" of $500-1000 to stop the debt cycle in its tracks The Snowball vs. Avalanche debt methods – which fits your personality and will keep you motivated? How to set a concrete debt-free date (and why this changes everything) Why you shouldn't wait to start investing until you're debt-free The importance of building multiple income streams in today's unpredictable economy Whether you're staring at a mountain of credit card statements or just feeling like your finances need a reset button, this episode gives you the simple, actionable framework to take control of your money and start your journey toward financial independence. Stay tuned for next week when we dive into the next level: investing strategies and creating additional income streams that work while you sleep! New episodes drop every Thursday. Subscribe, rate, and share with anyone who uses money (so... everyone!) Want to talk to Shannon directly? and get the support you need on your personal financial journey.
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Support Your Parents AND Build Your $1M Net Worth (At The Same Time!)
02/20/2025
Support Your Parents AND Build Your $1M Net Worth (At The Same Time!)
In this episode of From Middle Class to Millions, I’m tackling an important yet often unspoken challenge for first-generation six-figure earners and millionaires: financially supporting aging parents while building your own wealth. Whether this expectation was ingrained culturally or it has recently become a pressing reality, the emotional and financial weight of this responsibility can feel overwhelming. Join us as we discuss: The cultural and personal expectations surrounding financial support for parents How to navigate these financial obligations without jeopardizing your own future The importance of securing your own financial foundation first A strategic approach to balancing family support using the WINS™ budgeting framework How to have tough but necessary conversations with your parents about their financial situation You don’t have to choose between your family’s well-being and your own financial freedom. to learn how.
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Why Debt Consolidation Tanks Your Credit Score (and What to Do Instead)
02/13/2025
Why Debt Consolidation Tanks Your Credit Score (and What to Do Instead)
Welcome back to From Middle Class to Millions! It’s 2025, and it already feels like a wild ride. With everything happening in our world—politically, culturally, and financially—it’s easy to feel overwhelmed. But today, I want to help you stay focused on what you can control: your money. In this episode, we’re breaking down one of the biggest financial traps out there—debt consolidation programs—and why they’re often not the solution you think they are. What You'll Learn in This Episode: ✅ The real reason debt consolidation programs don’t work as promised ✅ How they affect your credit score and financial future ✅ Why tackling debt the right way can actually help you build wealth ✅ How to create a debt payoff plan that keeps you out of financial trouble ✅ The importance of an emergency fund to avoid falling into debt cycles If you’ve ever felt like you’re making more money than ever but still not getting ahead, this episode is for you. The key to financial freedom isn’t just making money—it’s about managing it wisely and investing for your future. Take Action: 📞 with me to create a personalized plan for paying off debt and building wealth. 📢 Share this episode with someone who needs to hear it—whether they’re considering debt consolidation or just need better financial guidance. Let’s take control of our money and make 2025 the year of financial empowerment!
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Millionaires Are Made During Trade Wars
02/06/2025
Millionaires Are Made During Trade Wars
In this episode of From Middle Class to Millions, we dive into the importance of financial awareness and preparation amid economic shifts. With the possibility of new tariffs impacting prices on everyday goods, now is the time to take control of your finances, refine your budget, and ensure you're investing wisely. Key takeaways: 💰 Why becoming a millionaire starts with your mindset, not just your bank account. 📉 How economic downturns create opportunities for wealth-building. 📊 The power of "set it and forget it" investing—why you should stay the course. 💡 Multiple income streams: A critical safeguard in uncertain financial times. If you're looking to navigate financial uncertainty while staying on track to financial independence, this episode is for you. Share with anyone who uses money, and don’t forget to rate and review on Apple Podcasts and Spotify! #PersonalFinance #Investing #FinancialIndependence #WealthBuilding #EconomicTrends #MiddleClassToMillionaire #MoneyManagement #SideHustles #StockMarket #Budgeting #Canada #tarriffs #freetradeagreement #tradewars with me to learn how to get rich when the stock market is having a sale!
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DITCH Your Parent's Money Advice AND Get RICH!
01/30/2025
DITCH Your Parent's Money Advice AND Get RICH!
In this eye-opening episode of From Middle Class 2 Millions, we dive deep into why traditional financial advice – even from well-meaning parents – may need updating for today's economic reality. Learn why the path to financial independence looks different in 2025 and discover strategies for building sustainable wealth in the modern economy. Key Topics Covered: Why old-school financial advice about college, homeownership, and career paths needs updating The critical importance of acquiring marketable skills over just collecting degrees Modern approaches to real estate: buying assets vs. buying homes Why the "job for life" mentality no longer serves today's professionals The power of multiple income streams in building lasting wealth Featured Insights: How to avoid the common trap of over-investing in education without clear ROI Smart strategies for approaching homeownership in today's high-interest environment Why traditional savings accounts alone won't build significant wealth The importance of developing multiple income streams for financial security Shannon breaks down why updated strategies matter for middle-class earners looking to build significant wealth and achieve financial independence in today's economy. Connect with From Middle Class 2 Millions: DM or email me with your thoughts and topics you'd like covered in future episodes. Don't forget to rate, review, and share this podcast to help others on their journey from middle class to millions. to learn about my 1:1 coaching and get the simple, current, actionabale steps for becoming rich in today's economy.
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TikTok, Taxes, and the Truth About Investing: Building Wealth Regardless of Who's in Office
01/23/2025
TikTok, Taxes, and the Truth About Investing: Building Wealth Regardless of Who's in Office
Welcome back to From Middle Class to Millions! This episode is your guide to achieving financial freedom through multiple income streams, smart investing, and building wealth—no matter what the economy throws your way. 🎯 What You’ll Learn: Creating Passive Income Streams: Discover how one listener earned $4,000/month on TikTok and used the income to pay off debt, invest, and save for taxes. Stock Market Insights: Why the S&P 500 has historically grown under both Republican and Democratic administrations and why you shouldn’t let politics dictate your financial strategy. Getting Started with Investing: Practical steps to open a Roth IRA, start with as little as $1, also grow your wealth through diversified investment accounts like brokerage accounts and 529 plans. Financial Independence Strategies: How to protect yourself from job loss by building additional income streams and taking control of your financial future. 📈 Key Takeaways: Millionaires rely on multiple paychecks, not just one salary. Investing is essential, and the best time to start is now—regardless of who’s in office. Financial security is about preparation, not luck. ✅ Take Action Today: Receive the : Get your free guide to opening a Roth IRA and take your first steps toward financial independence. Share the Wealth: Send this episode to anyone ready to take control of their money, start investing, or explore new income opportunities. Financial freedom starts with a plan. In order to create one AND follow it, with me today. Let’s move from middle class to millions—together!
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3 Simple Steps My Middle Class Clients Take to Their First Million
01/16/2025
3 Simple Steps My Middle Class Clients Take to Their First Million
Is financial independence possible for middle-class families? In this compelling episode, Shannon breaks down the path from middle-class living to financial freedom, inspired by watching luxury real estate shows like "Selling the City." As we enter 2025, nearly five years post-COVID, it's time to evaluate your financial progress and take control of your money management. Shannon explores three distinct mindsets towards financial independence: the disbelievers, those who see it as improbable, and the curiosity seekers. Through real-life examples, including the inspiring story of Ronald Reed (a former janitor who amassed $8 million), she demonstrates that financial independence is achievable regardless of your starting point. Key Topics Covered: Definition of true financial independence Breaking free from the consumer debt cycle Essential steps to achieve financial freedom within 10-15 years The importance of automated investing strategies Creating multiple streams of passive income The FIRE (Financial Independence, Retire Early) movement Strategic wealth-building during Republican administrations Ready to transform your financial future? with Shannon to develop your personalized pathway to financial independence. Whether you're dealing with debt, starting to invest, or looking to optimize your wealth-building strategy, learn how to make your money work for you.
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53 Years Old and $500,000 in Debt: Should He Declare Bankruptcy?
01/09/2025
53 Years Old and $500,000 in Debt: Should He Declare Bankruptcy?
In this episode of “From Middle Class to Millions”, we dive into the power of leveraging credit card points for travel and uncover the financial strategies to tackle substantial debt while preparing for a prosperous future. Our featured story highlights a 53-year-old client with $500,000 in debt, grappling with decisions about bankruptcy, lifestyle adjustments, and retirement planning. Discover how applying the WINS Framework™ (Wants, Investments, Needs, and Savings) can transform financial chaos into clarity. Learn why starting or increasing pre-tax retirement contributions, even while in debt, is a game-changing move, and how building multiple income streams ensures long-term wealth and financial independence. Whether you’re drowning in high-interest debt, balancing alimony and child support, or just want to make smarter money moves, this episode equips you with actionable advice to stay on the millionaire track without grinding yourself into exhaustion. Key Takeaways: Why using credit card points responsibly is a must for savvy travelers. How the WINS Framework™ helps you take control of your finances. The importance of pre-tax retirement savings, even with significant debt. Why six-figure earners should focus on multiple income streams for financial freedom. Practical steps to eliminate debt and create a sustainable wealth-building plan. Ready to transform your finances? today to FINALLY eliminate your debt and become debt-free!
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New Year, New Wealth: Creating a Financial Plan That Works for You
01/02/2025
New Year, New Wealth: Creating a Financial Plan That Works for You
Welcome to 2025: Setting Goals for Financial Freedom and Wealth Happy New Year! In this episode of “From Middle Class to Millions”, Shannon dives into the power of starting fresh with a financial plan that works for you. Whether you’re looking to crush debt, boost investments, or create a life you love, Shannon shares how focusing on a few key goals can help you achieve financial independence without feeling deprived. Tune in to learn: The importance of creating a personal financial plan tailored to your goals. How to balance debt repayment with investing for the future. The transformative power of a budgeting framework that prioritizes your wants, investments needs and savings. Why understanding your 401(k) and other investments is essential for long-term success. Tips on avoiding common financial mistakes that hold people back from building wealth. Shannon also shares her personal goals for 2025, including strategies for maintaining a healthy work-life balance, exploring expat living, and making money work harder through private equity and multiple streams of income. Ready to take control of your finances? Book a call with Shannon and start your journey to financial freedom today! Links & Resources: Don’t forget to subscribe, leave a review, and share this episode with anyone ready to go From Middle Class to Millions!
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2024 Finale - If Money Can Solve the Problem, You Don't Have A Problem
12/26/2024
2024 Finale - If Money Can Solve the Problem, You Don't Have A Problem
As we wrap up 2024, this episode of From Middle Class to Millions delivers crucial insights on wealth building, emergency financial planning, and creating multiple income streams. Shannon shares a personal story about navigating unexpected medical expenses with her father's emergency surgery, highlighting why having strong financial foundations is critical for life's uncertainties. Key topics covered: Financial planning strategies for 2025 Emergency fund importance and wealth preservation Current economic trends: layoffs vs. record-low unemployment Investment property considerations and passive income streams Retirement planning and debt management strategies The value of professional financial coaching for middle-class wealth builders The episode explores the common financial challenges facing middle-class professionals, including managing investment properties, retirement accounts, and creating financial security through multiple income streams. Special focus is given to avoiding the trap of ineffective DIY financial planning and the benefits of structured wealth-building guidance. Featured insights include the "money solves problems" principle and why focusing solely on debt reduction without building wealth can be counterproductive. Shannon also shares exclusive insights from her "Rich Ladies" group, featuring strategies used by successful multi-millionaire women. For listeners ready to transform their financial future, one-on-one coaching opportunities are available to start 2025 strong. . Follow me on Share, Rate, and Review: If you enjoyed this episode, please rate it 5 stars and share this podcast with someone who uses money. Let’s help more middle-class earners create wealth and freedom!
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EVERYTHING goes on my credit card
12/19/2024
EVERYTHING goes on my credit card
In this episode of From Middle Class to Millions, we dive into the critical topic of creating disposable income so your money works for you in 2025 and beyond. Fresh off hosting a powerful webinar, I share insights on how to stop spinning your wheels and start freeing up money to invest, enjoy life, and build wealth without sacrificing the lifestyle you love. We tackle the biggest misconceptions about wealth building in the middle class—you don’t have to work harder to make more money! I’ll show you how small, strategic changes can unlock financial freedom and set you on the path to millions. I also touch on smart credit card rewards strategies, effective debt management, and how investing the right way allows your money to grow in your absence. If you’re tired of working more without seeing results, this episode is your wake-up call to make 2025 the year your finances finally change. Key Topics: How to create disposable income in 2025 Why working harder isn’t the key to building wealth Smart strategies for investing money that grows without your presence Understanding debt as a tool: student loans, credit cards, and more Why forward-thinking with money beats short-term cost obsession Travel hacks using credit card rewards for free trips Take Action: Ready to take control of your money in 2025? Book a strategy call with me and start making your money work harder than you do! Don’t wait—the time to act is now. Share, Rate, and Review: If you enjoyed this episode, please rate it 5 stars and share this podcast with someone who uses money. Let’s help more middle-class earners create wealth and freedom! Connect: |
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From Debt to Freedom: Building Wealth Before 2025
12/12/2024
From Debt to Freedom: Building Wealth Before 2025
In this episode of From Middle Class to Millions, Shannon dives into an eclectic mix of topics, from the lessons of Netflix's Later Daters and The Ultimatum to the deeper reflections inspired by a recent webinar and personal conversations with her college-aged son. Shannon explores how building strong financial foundations and intentionality in life go hand in hand, especially as we approach a new year. Key Highlights: Reflections from Reality TV: Lessons from Later Daters about merging lives in later stages and from The Ultimatum about making pivotal life decisions in your 20s and 30s. Webinar Insights: Why creating a supportive financial environment is crucial, and how the end of the year is the perfect time for self-assessment and future planning. Family Conversations: The value of open dialogue and support networks in building confidence, taking risks, and shaping financial decisions. Breaking the Cycle of Financial Stress: How to identify where your money is going, overcome past financial mistakes, and take control of your financial future. Investing While Paying Down Debt: Why you shouldn’t wait until you're completely debt-free to start investing, and how to build the skills necessary to grow wealth over time. As Shannon explains, achieving financial freedom is about more than money—it’s about having the space to live intentionally in all areas of life, including health, relationships, and career. She encourages listeners to take the first step by to create a personalized plan for 2025 and beyond.
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You're NOT dumb! This is why you don't get it
12/05/2024
You're NOT dumb! This is why you don't get it
Welcome back to From Middle Class to Millions! In this episode, Shannon dives into the power of intentional financial planning as we approach 2025. After sharing reflections on Thanksgiving and the joys of a four-day weekend, Shannon introduces the key strategies to unlock disposable income and make your money work smarter—not harder. Tune in as Shannon explores: Why working harder isn’t the answer to financial freedom. Common money myths rooted in middle-class conditioning. The critical steps to optimize your income, unlock hidden funds, and automate investing. How planning across all areas of life—finances, health, and personal growth—drives success. Shannon also discusses a free upcoming webinar: "How to Create Disposable Income in 2025." Learn how to reframe your money mindset, build wealth on your current income, and stop feeling stuck despite a six-figure salary. Don’t miss out! Whether you’re dreaming of exotic vacations, home renovations, or securing your financial future, this episode is packed with actionable insights to help you achieve your goals. Links: ! Let’s turn your income into a tool for freedom and fulfillment in 2025!
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All That Glitters Is Not Gold – Why Comparison Can Hurt Your Wealth Journey
11/28/2024
All That Glitters Is Not Gold – Why Comparison Can Hurt Your Wealth Journey
Welcome back to From Middle Class to Millions! On this special Thanksgiving episode, Shannon dives into the deceptive allure of curated lives on social media and how they can fuel feelings of inadequacy about your finances. Using the story of a TikTok influencer caught living a facade, Shannon highlights why comparing yourself to others is a trap and what’s truly behind those "perfect" lifestyles. Key takeaways from this episode include: Why "All That Glitters Is Not Gold" applies to social media and real life. How to focus on your financial journey without self-judgment. The importance of building diversified income streams to create financial independence. Why comparing your progress to others is not just unhelpful but harmful. Strategies to take control of your finances, start saving for retirement, and create disposable income for 2025. PLUS: Shannon shares details about her upcoming free webinar on December 11th that will teach you how to turn financial confusion into clarity, allocate your money strategically, and automate your investments for long-term success. 👉 Ready to stop comparing and start building wealth? for Shannon’s Wealth Builders 1:1 coaching program to plan your financial goals for 2025. Be sure to subscribe, rate, and share this episode with someone who could benefit from financial freedom. Don’t miss next week’s episode!
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How to go from Middle Class to Millions
11/21/2024
How to go from Middle Class to Millions
Welcome to the first episode of *From Middle-Class to Millions*! In this introductory episode, Shannon Brown-Ward, your Money Mindset Coach and Financial Educator, shares her personal journey and the mission behind the podcast. If you're looking to improve your financial future, increase your wealth, or make your money work for you, this podcast is for you. Shannon dives into the concept of the "middle class" and why so many high-earning professionals find themselves struggling despite great careers, raises, and bonuses. She highlights how financial education and mindset play crucial roles in breaking free from the middle-class income trap. Shannon believes anyone can transition from the middle class to millions with the right strategies—starting with understanding how money works and learning to invest. In this episode, Shannon also opens up about her upbringing in a family with a scarcity mindset and how her immigrant parents prioritized security over spending. Through her personal experience of learning to manage money, Shannon outlines the importance of talking about money openly—a practice that's often missing in middle-class families. Whether you're in debt, looking to invest, or simply want to grow your wealth, Shannon will guide you through the mindset shifts and actionable steps to take your finances to the next level. Stay tuned for practical financial tips, strategies for wealth-building, and insightful stories that will empower you to take control of your financial future. Don’t forget to rate, comment, and subscribe to *From Middle-Class to Millions*. Join Shannon each week as she shares the tools and knowledge to transform your financial mindset and your wealth-building strategies. Follow Shannon on Follow Shannon on Follow Shannon on
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Ways To Maximize Your Day Job To Build Wealth
11/21/2024
Ways To Maximize Your Day Job To Build Wealth
In today’s episode of *From Middle Class 2 Millions*, Shannon dives into strategies for maximizing the potential of your day job, whether you're working a 9-to-5 W-2 job or running your own small business. She discusses the importance of optimizing your skills, salary, and benefits to unlock more financial opportunities and set yourself up for long-term success. Shannon explores the concept of "money mindset" and why it's crucial to shift your perspective on income. She shares how many people undervalue their skills, especially women who often hesitate to negotiate salaries. She also highlights the power of employer-provided benefits like 401(k) matches, HSAs, and IRAs to accelerate wealth building. Whether you’re thinking of climbing the corporate ladder, transitioning to a new role, or growing a side hustle, Shannon urges you to use your current job as a stepping stone. It's about not just the paycheck, but about accumulating skills, expanding your network, and learning how to advocate for yourself. For small business owners, Shannon shares how your rates and business mindset play a pivotal role in your financial future. Ultimately, the episode emphasizes that your day job is a critical tool in your wealth-building journey, and with the right mindset, it can be leveraged to create lasting financial freedom. **Key Topics Covered:** - How to maximize your salary and career growth - The importance of negotiating your pay (especially for women) - Optimizing employer benefits like 401(k)s, HSAs, and IRAs - Shifting your money mindset for financial success - Leveraging your job skills for side hustles and entrepreneurship Don’t forget to rate and share the podcast with friends and family, and join the conversation about how you’re maximizing your career and financial opportunities!
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Understanding Tax-Advantaged Accounts To Build Wealth - PART 1
11/21/2024
Understanding Tax-Advantaged Accounts To Build Wealth - PART 1
In this episode of *Middle Class to Millionaire*, I dive into the world of tax-advantaged accounts and how they can help you build long-term wealth. If you're looking to get ahead financially, understanding retirement accounts like 401(k)s, IRAs, and Roth IRAs is essential. These accounts can be the key to breaking free from living paycheck to paycheck and setting yourself up for a secure future. I discuss how contributing to your employer-sponsored 401(k) can reduce your taxable income, grow your savings tax-deferred, and even include employer matching contributions. Whether you’re already contributing or looking to start, I explain how these accounts are one of the first steps to building wealth, especially for middle-class Americans. For those without access to a 401(k), I also cover how Individual Retirement Accounts (IRAs) – including Traditional and Roth IRAs – offer tax benefits to help you save for retirement, regardless of your employer. This episode is packed with actionable advice, whether you’re new to retirement accounts or looking to optimize your contributions. Don't let the fear of locking up your money stop you from taking advantage of these powerful wealth-building tools. And remember, building wealth is a journey, not a race. **Key Takeaways:** - Learn the benefits of tax-advantaged accounts like 401(k)s, IRAs, and Roth IRAs. - Understand how employer matching contributions work and why you should contribute at least up to the match. - Discover how compound interest and long-term investing can help you build generational wealth. - Start saving today, even if it’s just a small amount. The earlier you start, the more you’ll benefit.
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Protecting Yourself Financially After Divorce: A Real Life Example
11/21/2024
Protecting Yourself Financially After Divorce: A Real Life Example
In this episode of *Middle Class to Millions*, Shannon deviates from her planned content to address an important issue she’s seen arise frequently: the financial impact of divorce, particularly for women. She shares the story of a client who, nearly two years post-divorce, is navigating a difficult financial situation after a lengthy marriage marked by financial infidelity. **Key Takeaways:** - **Financial Infidelity in Divorce:** Shannon explains the effects of financial infidelity during divorce, where one spouse hides assets or stashes money, leaving the other spouse in a vulnerable position. Even in high-income households, the lack of financial awareness can lead to devastating consequences. - **Lifestyle Adjustments Post-Divorce:** After an 18-year marriage and a high household income, the client finds herself adjusting to a drastically different financial reality. Despite earning six figures, she's accumulated debt, particularly from the cost of mental and emotional self-care during the divorce process. Shannon highlights how important it is to adjust spending habits to avoid accumulating unnecessary debt after major life changes. - **The Panic of Debt:** Shannon discusses the common emotional response to accumulating debt: panic. This emotional state often leads to poor financial decisions. She reassures listeners that debt can be tackled methodically with a clear strategy and timeline. - **Bad Financial Advice and Avoiding Impulsive Decisions:** The client received advice to sell her home in order to deal with her debt, but Shannon advises against this. Selling a home, especially one with significant value, is often an impulsive decision driven by panic. Shannon emphasizes the importance of seeking professional advice before making big financial decisions. - **A New Path Forward:** The client, who’s been in an unfulfilling job for 12 years, dreams of taking a six-month sabbatical to reset her life. Shannon supports her vision and works with her to develop a plan to pay off debt, manage her finances, and set up new income streams, all while taking time for self-care. - **Financial Literacy for Empowerment:** Shannon highlights the importance of financial literacy, particularly for women. Knowing how to manage and invest money empowers individuals to create financial freedom, reducing dependency on a job or a partner. The goal is to have money working for you—not just working for money. - **Living Beyond Basic Needs:** Shannon challenges the idea that financial security means just having a roof over your head and food on the table. She advocates for a fuller life, which includes enjoying travel, hobbies, and pursuing passions, without financial worry. - **A Strategic Approach to Debt:** Shannon encourages listeners to have a strategy for managing debt, but also to keep living their lives in the meantime. It's not about waiting until every debt is cleared to move forward; it's about taking a proactive, well-thought-out approach to debt management. **Actionable Insights:** - **Know Your Finances:** Don’t rely solely on your partner (or ex-partner) for financial information. Understand where the money is, what it’s doing, and make sure you’re not in the dark about your household finances. - **Seek Professional Guidance:** If you’re dealing with complex finances post-divorce, consider working with a financial advisor or coach who can guide you through the process of creating a debt repayment plan, building assets, and investing for your future. - **Take Control of Your Financial Future:** Whether you’re dealing with a divorce or not, Shannon encourages everyone to take charge of their financial future by learning how to invest, create income streams, and grow assets. This can give you the peace of mind to live the life you want, without relying on your job or a partner. **Listener Action:** - Have questions about divorce, financial protection, or how to navigate a major life transition? Leave a comment or reach out to Shannon to learn more about creating financial security for yourself. This episode offers a relatable and practical approach for women (and anyone) who may be navigating financial challenges after a major life event like divorce. Shannon’s candid advice and emphasis on financial literacy are powerful reminders of how important it is to be in control of your financial future, no matter the circumstances.
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The Budgeting and Saving Basics You Need In This Economy
11/21/2024
The Budgeting and Saving Basics You Need In This Economy
In this episode, Shannon dives deep into the foundations of budgeting and saving, two key components of building lasting wealth. If the thought of budgeting makes you cringe, this episode will change your perspective. Shannon explains how budgeting isn’t about limiting your fun, but about providing a structure that allows you to make intentional choices with your money, creating more abundance for your future. **What You’ll Learn in This Episode:** - **The True Purpose of Budgeting**: How budgeting is a tool for freedom, not restriction, and why it’s essential in building wealth, especially for those transitioning from middle class to millionaire status. - **The 3-Part Budgeting Process**: Learn why budgeting is not just a list of bills but a strategic plan for your financial future. Shannon breaks down how to plan, track, and evaluate your spending each month. - **How to Track Your Money Effectively**: Discover how simple tracking can reveal surprising spending habits that are draining your finances without you even realizing it. - **How to Reallocate Money for Wealth Building**: Get actionable tips on how to redirect funds from areas where you’re spending mindlessly to investments that align with your long-term goals. - **The Importance of Savings**: Learn how to start saving for both short-term goals (like a new car or vacation) and long-term wealth building. Shannon shares practical advice on automating your savings and the concept of "paying yourself first." - **When to Reassess Your Budget**: Learn the key life moments, such as debt repayment or major expenses (like daycare or tuition), when it’s essential to reintroduce or update your budget to maximize your financial control. **Key Takeaways**: - Budgeting is about awareness, not deprivation. - Saving and budgeting are the first steps in your wealth-building journey. - Automating savings and paying yourself first is a game-changer for consistent financial growth. If you're ready to move from middle class to millions, mastering budgeting and saving is your first big step! Whether you're just starting or looking to refine your financial strategy, this episode offers practical tools to take control of your money. **Resources Mentioned**: - **“I Want to Be Debt-Free” Group Program** – If you're looking to tackle high-interest debt, Shannon’s group program is your first step in your wealth-building journey. - **Automating Your Savings** – Learn about tools like "Keep the Change" that make saving money effortless. --- **Don’t forget to subscribe, share, and leave a review!** If you enjoyed this episode, please share it with your friends, family, or anyone who could use a little guidance on their financial journey. Let’s build wealth together and go from middle class to millions!
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Shift your thinking to Build Wealth
11/21/2024
Shift your thinking to Build Wealth
Welcome back to *From Middle-Class to Millions*! In this episode, Shannon Brown-Ward, your Money Mindset Coach and Financial Educator, dives deep into the critical mindset shifts required to build wealth and break free from the middle-class financial squeeze. Shannon discusses how the definition of "middle class" has evolved and how rising costs and inflation make it harder to maintain financial stability. While staying middle class may be comfortable for some, Shannon challenges you to rethink your approach to money in order to move from survival to thriving and wealth-building. A key takeaway from this episode is the importance of **openly discussing money**—a step that can empower you to shift your thinking and gain the confidence to build wealth. Shannon encourages you to surround yourself with like-minded people who are also committed to financial growth. **The company you keep** plays a huge role in shaping your financial mindset. Whether it's seeking out financial mentors, joining communities, reading books, or listening to podcasts, the more you engage with financial education, the more money you'll make. Shannon also emphasizes the power of **transforming your money habits**. She shares how one small shift, like directing extra funds towards investments instead of increasing spending, can compound over time and create wealth. For Shannon, this transformation happened when she paid off her car early and decided to invest that freed-up money instead of using it for lifestyle inflation. **Small, consistent actions** can lead to significant financial growth. This episode is packed with practical advice on how to break free from limiting money beliefs and start thinking like someone who is on the path to financial freedom. If you’re ready to increase your net worth, build wealth, and make money work for you, this episode is for you! Don’t forget to **rate, comment, and subscribe** to *From Middle-Class to Millions*. Share this episode with anyone who wants to take control of their financial future. Follow Shannon on , and
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