What does it really take to go from small-town roots to financial freedom and build a life you actually love along the way?

In this episode, Shelby sits down with Cullen Hughes, financial advisor, husband, and dad of two, to talk about what it means to grow up, take risks, and create a career that truly matters. From high school dreams to managing portfolios at Merrill Lynch, Cullen shares his journey, the lessons he’s learned, and the advice he wishes more people heard sooner about money, confidence, and balance.

They dive into everything from when to actually hire a financial advisor (even if you think you’re “not ready”) to how parents can set their kids up for success with simple tools like 529s, Roth IRAs, and smart saving habits that actually work in real life.

You’ll hear about:

• Cullen’s path from high school to Merrill Lynch
• When and why to hire a financial advisor
• How to invest for your kids’ future (and your own)
• The importance of self-care, confidence, and trusting your gut
• The reality of balancing business, marriage, and parenthood
• And yes… that infamous fantasy football bet that ended with a dress 😂

This episode is packed with honest conversations, real-life stories, and takeaways you can actually use whether you’re growing a business, raising a family, or just figuring out your next big move.

Listen now to hear how Cullen turned small-town beginnings into a life built on purpose, planning, and passion and how you can do the same.

Connect with Shelby Clement:

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