Financial Advisor Scam Alert: Protect Your Money & Max Out Your 401K

It's the final quarter of 2025, and there's still plenty of time to take intentional steps with your money. In this episode of From Middle Class to Millions, Shannon breaks down how to finish the year strong, both in your finances and in your mindset. From boosting your 401(k) contributions before the December 31 deadline to maximizing your HSA and IRA, Shannon shares practical strategies to grow wealth while avoiding costly financial mistakes. But this episode isn't just about year-end planning—it's also a cautionary tale. Shannon highlights the shocking story of Chalene and Bret Johnson, who lost hundreds of thousands of dollars to a fraudulent financial advisor. Their experience, along with the stories of Shannon's clients, illustrates why financial literacy and intentional money management are non-negotiables—especially for high earners who don't want to feel broke or be taken advantage of. If you're a first-generation high earner, navigating retirement planning, investing, and building generational wealth can feel overwhelming. But with the right approach, you can protect yourself, grow your money, and avoid financial pitfalls. What You'll Learn in This Episode: Year-end personal finance strategies (401k, HSA, IRA contributions) How to protect yourself from financial advisor fraud Why high earners must prioritize financial literacy How intentional money habits build long-term wealth Tune in to start closing out the year with confidence and clarity.