Money Ripples Podcast

Money Ripples Podcast

Ditch the grind. Build cash flow. Live free. If you're tired of working harder just to stay financially stuck, this podcast is your way out. Welcome to The Money Ripples Podcast, where cash flow expert and Anti-Financial Advisor Chris Miles shares how high-income earners are unlocking financial freedom faster without relying on the stock market, risky startups, or waiting until they're 65. Chris became financially independent twice by age 39 and now helps others create real passive income through strategic investing, smarter money systems, and values-driven stewardship. Here's what you'll get every week: - Proven ways to create passive income through real estate and alternative investments - How to use life insurance the right way to build lasting wealth - Why the 401(k) may be holding you back—and what to do instead - The mindset shifts and money strategies of people living work-optional lives Whether you're an entrepreneur, investor, or high-income professional looking for better answers, this podcast is packed with practical insights, client case studies, and expert interviews. New episodes drop every Monday, Wednesday, and Friday. Ready to take control of your time, money, and future? Subscribe now and learn how to make your money work harder, so you don't have to.

  1. hace 4 h

    How to Turn $15,000/Year Into $15,000/Month of Passive Income (Full Blueprint)

    Is it actually possible to save $15,000 a year for 15 years and create $15,000 a month of passive income? Chris Miles — former financial advisor turned Cash Flow Expert — spent 30+ hours running the numbers, testing every scenario, and building the exact blueprint in this video. Inside, you'll see the real math behind combining Max ROI Infinite Banking (the specific whole life insurance strategy his firm uses) with alternative real-estate-backed investments to build safe, certain, predictable, and perpetual passive income — the four qualities most people say they want but almost nobody's advisor delivers. This is the same framework Chris presented to Money Ripples' VIP work-optional clients — condensed, simplified, and shown with the exact spreadsheets so you can follow along. If you have $200K+ ready to invest, or you're saving aggressively toward that number, this is the video to bookmark. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 KEY TAKEAWAYS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✅ Why the Ernst & Young 70/30 study beats a pure 401(k) strategy ✅ How Max ROI Infinite Banking beats traditional whole life by $600K+ over 25 years ✅ Why you should NOT fund your policy in the first 3 years with investment money ✅ How to use your emergency fund to cover premiums during the "insurance-heavy" years ✅ The exact "cash flow + savings" loan-paydown strategy that adds $22K+/year ✅ The 4-legged stool: whole life + alternative investments + Social Security + reverse mortgage ✅ Why rentals are one of the worst investments right now — and what to buy instead ✅ How the death benefit protects mortgages and creates generational wealth ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎙 ABOUT CHRIS MILES & MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor. He left traditional financial advising in 2006 after realizing what he was teaching didn't actually work for his own family. Since then he has helped hundreds of clients become work-optional through cash flow strategies, Max ROI Infinite Banking, and alternative investments most advisors won't mention (because they don't get paid on them). ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔗 CONNECT & LEARN MORE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌐 Website 📺 Subscribe 🎧 Podcast

    36 min
  2. You Might Also Like: Morning Brew Daily

    hace 4 h ·  Contenido extra

    You Might Also Like: Morning Brew Daily

    Introducing American AI Companies Fend Off Chinese Copy Cats & Gen Z Loves Love Island from Morning Brew Daily. Follow the show: Morning Brew Daily #884: American AI companies are sounding the alarm on Chinese companies copying their models through “distillation.” Stellantis officially opens its doors to the sale of the tiny car priced at under $15,000. The US is seeing its middle-aged population slowly shrinking and which could harm the economy. Love Island USA has been a rare hit that has captured and retained Gen Z’s attention.  Get 10% off using MORNINGBREW10 at altrarunning.com/morningbrew  Get tickets for our trivia tournament! https://caveat.nyc/events/the-morning-brew-trivia-tournament-2026-07-30  Grab tickets to our Performance Revue show! https://www.morningbrew.com/events/brew-performance-revue-2026?utm_campaign=performance_revue_2026&utm_source=mbd Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to team@podroll.fm.

  3. hace 2 días

    Goldman Sachs Says 300M Jobs Are Exposed to AI — NY Fed Data Says Few Are Lost Yet

    Everyone is blaming AI for the 2026 job market slowdown — but the data from the NY Federal Reserve, Goldman Sachs, and Oxford Economics tells a very different story. In this video: (1) what the NY Fed's firm-level hiring surveys actually show, (2) why the Goldman Sachs 300M 'exposed-to-AI' figure gets misquoted, (3) the real reason entry-level hiring froze in 2026, and (4) what it means for your career pivot. ⏱ Timestamps below. Sources: NY Fed Liberty Street Economics (Sept 2024 / Sept 2025 / May 2026), Goldman Sachs Research (Briggs/Kodnani), Oxford Economics AI labor outlook. This isn't a pro-AI or anti-AI episode. It's a reality check on what's actually happening in the economy — and how to think about your job, your business, and your financial future in a market where everything feels more expensive and less certain. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💰 FREE TOOLS FROM MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ▶ Work Optional Calculator — See how much passive income you could create in the next 12 months: https://moneyripples.com/passive-income-calculator/ ▶ Money Leaks Quiz — Find where your money is leaking every month (takes 2 minutes): https://win.moneyripples.com/quiz2 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⏱ WHAT WE COVER IN THIS EPISODE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • What three major research institutions (NY Fed, Goldman Sachs, Oxford Economics) found about AI and the labor market • Why layoffs are hitting management AND entry-level jobs — sectors AI literally cannot replace • The real culprit: an affordability crisis fueled by inflation, money printing, and tightening consumer confidence • How small business owners are actually responding to the slowdown (it's not what the headlines say) • Why AI is being used as a scapegoat — and what smart businesses are actually doing with it • How cash flow thinking helps you stay ahead no matter what the economy does next ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 KEY TAKEAWAYS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✅ The NY Fed data that directly contradicts the "AI is taking jobs" narrative ✅ Why blaming AI is convenient for CEOs, politicians, and financial media ✅ The two economic pressures actually freezing the labor market in 2026 ✅ Why hiring slowdown is showing up in industries AI has zero exposure to ✅ How to protect your income when the "safe" job path stops being safe ✅ The cash flow strategy that survives ANY economic environment ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎙 ABOUT CHRIS MILES & MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor®. He helps high-income earners become work optional faster through passive income, Max ROI Infinite Banking, and alternative investments. Featured in US News and CNN Money, Chris built his own passive income twice — the second time after losing it all — and now teaches the exact frameworks that got him there. This channel is for people who are doing everything "right" financially but still feel like they're falling behind. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔗 CONNECT & LEARN MORE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌐 Website 📺 Subscribe 🎧 Podcast

    18 min
  4. 25 jun

    The Real Reason Jobs Are Disappearing (It's Not AI)

    New research from the NY Fed, Goldman Sachs, and Oxford Economics says AI is NOT the main driver of the job slowdown — so what actually is? Chris Miles breaks down the real economic forces at play, and why blaming AI is just a convenient scapegoat. If you've been worried about AI replacing your job, the data tells a very different story. In this episode, Chris unpacks why hiring has slowed across ALL sectors — including the ones AI supposedly can't touch — and what's really creating the economic pressure Americans are feeling right now. Here's what we cover: - What three major research institutions found about AI and the labor market - Why layoffs are hitting management AND entry-level jobs — sectors AI can't replace - The real culprit: an affordability crisis fueled by inflation, money printing, and tightening consumer confidence - How small business owners are actually responding to economic slowdown (it's not what the headlines say) - Why AI is being used as a scapegoat — and what smart businesses are actually doing with it - How cash flow thinking helps you stay ahead no matter what the economy does This isn't a pro-AI or anti-AI episode. It's a reality check on what's actually happening in the economy — and how to think about your job, your business, and your financial future in a market where everything feels more expensive and less certain. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor® — helping high-income earners become work optional faster through passive income, infinite banking, and alternative investments. This channel is for people who are doing everything "right" financially but still feel like they're falling behind. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Find out how much passive income you could create in the next 12 months: Work Optional Calculator → https://moneyripples.com/passive-income-calculator/ ► Find out where your money is leaking every month (takes 2 minutes): Money Leaks Quiz → https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: https://moneyripples.com ───────────────────────────────────── ⚠️ DISCLAIMER ───────────────────────────────────── This content is for educational and informational purposes only and does not constitute financial, legal, or investment advice. Chris Miles is not a licensed financial advisor. Always consult a qualified professional before making financial decisions. Past results are not a guarantee of future performance.

    19 min
  5. 18 jun

    Warren Buffett's Final Warning — And Why Most Investors Aren't Ready

    "Warren Buffett recently stepped down as CEO of Berkshire Hathaway — and before he left, he issued a warning that most investors are completely ignoring. In this episode, Chris Miles breaks down what Buffett actually said, why it matters right now, and what you should be doing with your money instead. Warren Buffett called it out directly: the stock market is looking more like a casino than an investment vehicle — and most people have no idea how exposed they really are. In this episode, Chris Miles (Cash Flow Expert and Anti-Financial Advisor) breaks down Warren Buffett's surprise warning after stepping down as CEO of Berkshire Hathaway. From one-day options trading to AI-driven market speculation, Chris explains why Buffett's final message should concern every investor, entrepreneur, and high-income earner trying to build real wealth. What you'll learn in this episode: — Why one-day options aren't investing, speculating, or even trading — they're gambling — How excessive speculation and debt have caused every major market crash in history — Why politicians and financial advisors will never warn you when the market is in trouble — The real difference between riding a market wave and being an actual investor — What Warren Buffett actually buys — and why it's nothing like what retail investors do — Why diversification is widely misunderstood (stocks + bonds is NOT diversification) — How to start pulling chips off the table and creating cash flow outside Wall Street This is not a doom-and-gloom episode. It's a clarity episode. Chris isn't telling you to sell everything — he's telling you to wake up, take responsibility, and start building wealth that doesn't depend on markets going up forever. If you've ever followed Dave Ramsey, trusted a financial advisor, or felt like you're doing everything right but still not getting ahead — this episode is for you. 🔗 RESOURCES & LINKS ► Find out how much passive income you could create in the next 12 months: Work Optional Calculator → https://moneyripples.com/passive-income-calculator/ ► Take the Money Leaks Quiz (find hidden income in 2 minutes): https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast Playlist: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: https://moneyripples.com ⚠️ DISCLAIMER: Chris Miles is not a licensed financial advisor. This content is for educational and informational purposes only and does not constitute personalized financial, investment, legal, or tax advice. Always consult a qualified professional before making financial decisions."

    19 min
  6. 11 jun

    How to Use Your IRA to Invest in Real Estate (What Your Advisor Never Told You)

    Most people have 7x more money sitting in retirement accounts than in their bank — and almost none of them know they can put it to work in real estate, private lending, and alternative investments. This changes everything. If you've ever stared at an old 401(k) or IRA and thought there has to be something better than just leaving it in mutual funds, this episode is for you. Chris sits down with Matt Moore from CAMAPlan — a self-directed IRA custodian with 23+ years of experience, clients in all 50 states, and over $1 billion in assets under administration — to break down exactly how self-directed IRAs work, what you can actually invest in, and how to move your retirement money out of Wall Street and into real assets. In this episode: - Why 95% of investors don't know self-directed IRAs exist — and why the industry prefers it that way - The 3-step process to roll over an old 401(k) or 403(b) into a self-directed IRA - What you can (and can't) invest in — real estate, private lending, oil and gas, precious metals, and more - IRS prohibited transaction rules that catch investors off guard - Why active real estate investors often do better lending from their IRA than managing properties directly - How CAMAPlan's fees compare to traditional brokerages - Why speed matters when retirement money meets time-sensitive deals 🔗 RESOURCES & LINKS 📊 Find out how much passive income you could create in the next 12 months: ► Work Optional Calculator: https://moneyripples.com/passive-income-calculator/ ► Money Leaks Quiz: https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: https://moneyripples.com/

    27 min
  7. 20 may

    Why Half of Gen Xers Don't Think They'll Ever Retire (And What to Do Instead)

    Nearly half of Gen Xers don't believe they'll ever retire — and if you're one of them, you're not wrong to be skeptical. The traditional retirement model is failing your generation, and Chris Miles breaks down exactly why — and what to do instead. If you're a Gen Xer in your 40s, 50s, or early 60s and you're not confident your retirement savings will last, this episode is for you. According to a recent Fidelity report, nearly half of Gen Xers don't believe they'll be able to retire at all — and two-thirds say their current savings won't last their lifetime. Chris Miles, Cash Flow Expert and Anti-Financial Advisor, shares why this is happening and what the financial industry isn't telling you. In this episode, Chris covers: - Why the 401(k) and IRA model is failing Gen X — backed by real data - How he personally retired twice before age 39 (and the mistake he made the first time) - A real client story: how one woman turned $600,000 into over $6,000/month in passive income - How another investor escaped the 401(k) trap and now earns $100,000/year passively - Why accumulation thinking is keeping you broke — and what to focus on instead - The difference between compounding interest and compounding income - How to start repositioning your savings into cash flow-producing assets — even if you feel behind The answer isn't working until you're 70. It's not saving more into the same broken system. It's shifting from accumulation to acceleration — and building passive income that works whether you do or not. 🔗 Find out how much passive income you could create in the next 12 months: 👉 [Work Optional Calculator — moneyripples.com] 🔗 RESOURCES & LINKS ► Work Optional Calculator: https://moneyripples.com/passive-income-calculator/ ► Money Leaks Quiz: https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: www.moneyripples.com Chapters: 0:00 – Why Gen Xers Are Losing Hope for Retirement 0:58 – The Gen X Mindset Around Money 1:37 – How I Retired Twice Before 39 2:19 – Fidelity Report: The Retirement Fear Data 3:14 – Why Traditional Retirement Plans Are Failing 4:38 – The Reality of Running Out of Money 6:02 – Where Your Money Is Really Going 6:37 – Why Working Longer Isn't the Answer 8:11 – Why Doing the Same Strategy Won't Get Different Results 8:53 – Client Story: Turning $600K into $6K/Month 10:23 – Why Passive Income Beats Accumulation 11:50 – How One Investor Escaped the 401(k) Trap 14:10 – The Tax Advantages of Real Estate Over IRAs 14:52 – How to Turn Retirement Savings Into Cash Flow 17:12 – Compounding Interest vs. Compounding Income 18:00 – Why Most Financial Advisors Get Retirement Wrong 18:42 – Your Next Step 📌 DISCLAIMER This content is for educational purposes only and does not constitute personalized financial, legal, or investment advice. Past client results are shared as examples and are not guarantees of future performance. Always consult a qualified financial professional before making investment decisions.

    19 min

Acerca de

Ditch the grind. Build cash flow. Live free. If you're tired of working harder just to stay financially stuck, this podcast is your way out. Welcome to The Money Ripples Podcast, where cash flow expert and Anti-Financial Advisor Chris Miles shares how high-income earners are unlocking financial freedom faster without relying on the stock market, risky startups, or waiting until they're 65. Chris became financially independent twice by age 39 and now helps others create real passive income through strategic investing, smarter money systems, and values-driven stewardship. Here's what you'll get every week: - Proven ways to create passive income through real estate and alternative investments - How to use life insurance the right way to build lasting wealth - Why the 401(k) may be holding you back—and what to do instead - The mindset shifts and money strategies of people living work-optional lives Whether you're an entrepreneur, investor, or high-income professional looking for better answers, this podcast is packed with practical insights, client case studies, and expert interviews. New episodes drop every Monday, Wednesday, and Friday. Ready to take control of your time, money, and future? Subscribe now and learn how to make your money work harder, so you don't have to.

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