Money Ripples Podcast

Money Ripples Podcast
  • 4.6 (138)
  • Investing
  • Updated Weekly

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. 2d ago

    Whole Life vs. IUL vs. Term: The Real Numbers Nobody Shows You

    A popular financial author called whole life insurance one of the three worst places to put your money. In this episode, Chris Miles — a former financial advisor who used to agree — breaks down exactly where that argument has a kernel of truth, where it's a dangerous overgeneralization, and what the actual side-by-side numbers between a well-designed whole life policy and a well-designed IUL actually show. Spoiler: the whole life outperformed the well-designed IUL by nearly $20,000 by year nine — despite a lower stated return. Here's what we cover: - Why financial gurus conflate whole life, UL, and VUL as if they're the same product (they're not) - The kernel of truth in every anti-whole-life argument — and where the overgeneralization starts - Why "buy term and invest the difference" is literally what universal life IS - The 75% surrender rate claim — why Chris couldn't find that number anywhere - Universal life surrender fees: why $20,000 in account value can mean only $1,500 accessible - Why Nelson Nash — the godfather of infinite banking — said IUL does not work for infinite banking - Whole life has no surrender fees — that's the key structural difference - The real numbers: IUL vs. whole life, year 1 through year 11, side by side - Year 9: IUL $168,000 / whole life $186,000 — despite the IUL projecting a higher return - The Ernst & Young study: whole life combined with aggressive investing wins in Monte Carlo simulations - The client with $2M in whole life pulling $150K/year tax-free in his 40s - Why design is everything — and how a traditionally designed whole life policy IS a waste of money This is not a pro-whole-life sales pitch. It's an honest, data-driven breakdown of a debate that has real consequences for your financial plan. 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. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Learn more about infinite banking and properly designed policies: Infinite Banking Resource → https://moneyripples.com/infinite-banking/  ► 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 (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. Life insurance products involve costs, risks, and surrender charges that vary by product and design. Always consult a qualified professional before making financial decisions. Past results are not a guarantee of future performance. Individual results will vary.

  2. 2d ago ·  Bonus

    You Might Also Like: The Oprah Podcast

    Introducing The Optimism We All Need Right Now with Simon Sinek from The Oprah Podcast. Follow the show: The Oprah Podcast BUY THE BOOK! Start with Why by Simon Sinek  https://amzn.to/4xQ0ETD Simon Sinek’s landmark New York Times bestseller Start with Why transformed how leaders, entrepreneurs and employees think - inspiring them to shift their focus from what they do to why they do it. Simon brought this revolutionary concept to life with his Ted Talk, "How Great Leaders Inspire Action" which instantly went viral - and now ranks as the fourth most-watched Ted talk of all time with more than 90 million views.  In this conversation, Oprah and Simon talk about how to feel more energized, optimistic and engaged in your work and life - especially at times of high anxiety and uncertainty. Simon answers questions from several viewers including a woman who is considering leaving her 9-5 job to become an entrepreneur, one who is still looking for her dream job at age 49 and another who is terrified about losing her identity as she faces retirement. This conversation is a must-listen for anyone who may be feeling a little lost and looking for clarity, direction and optimism.  00:00:00 - Welcome Simon Sinek, author of “Start with Why”  00:05:15 - The golden circle  00:09:15 - Asking for help 00:10:30 - Why vs. intention  00:13:30 - The thread of your life  00:17:40 - The age of the Influencer  00:20:10 - Optimism meaning 00:27:10 - Introverts and extroverts 00:28:40 - Blocking out doubt when chasing your why 00:32:30 - Jobs are not safe 00:34:50 - Find your guiding question 00:41:40 - Is a "dream job" a goal? 00:48:39 - The friend test  00:54:00 - The importance of relationships  00:55:20 - The key to finding your why 00:57:00 - A well-lived life Follow Oprah Winfrey on Social: https://www.instagram.com/oprahpodcast/ https://www.facebook.com/oprahwinfrey/ 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.

    You Might Also Like: The Oprah Podcast

  3. Sep 24

    The 2008 Real Estate Crash Taught Me This. Here's What I Do Differently Now.

    Stuart Heath built a real estate portfolio on debt, leverage, and banker approval — until 2008 wiped it out. Now a CPA with 40 years in the market, Stuart runs Harvard Grace Capital with a radically different philosophy: boring stabilized properties, 12 months of cash reserves, fixed-rate debt only, and cash flow from day one. In this episode, he explains exactly what that looks like — and how passive investors can spot the red flags in proformas before they commit. This is not a "real estate is great, here's how to get rich" episode. It's a "here's what actually works after you've been through a crash" episode — from someone who lost everything and rebuilt it smarter. Here's what we cover: - How Stuart built a portfolio on 100% debt in 2005–2006 — and what happened in 2008 - Why 12 months of interest reserves in every deal changes everything - Stabilized cash-flowing properties only — no development, no value-add rehab - Fixed-rate debt only: why he locked in 3.25% for 10 years when floating looked tempting - The 70% LTV cap — why real equity makes deals safer and easier - Cap rates explained: how to use them to evaluate any commercial deal - The proforma red flag: going in at an 8 cap but projecting to exit at a 6 - How operators manipulate IRR with entrance and exit cap rates - "Figures don't lie, but liars figure" — how to protect yourself - Value-add vs. professional management: what Stuart does instead - Asset classes he's most excited about: medical office, suburban office, industrial - Why multifamily doesn't pencil for day-one cash flow right now - Free book: "Don't Do What I Did" — 10 biggest real estate mistakes If you're a passive investor evaluating real estate deals — or you've been burned by value-add promises — this episode gives you the framework to tell a great operator from a risky one. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor®. Stuart Heath is a CPA, 40-year real estate investor, and managing partner at Harvard Grace Capital. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Stuart Heath — Harvard Grace Capital: Website → https://harvardgrace.com  Free Book "Don't Do What I Did" → available at harvardgrace.com  Schedule a Call → Calendly link at harvardgrace.com   ► 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  ───────────────────────────────────── ⚠️ DISCLAIMER ───────────────────────────────────── This content is for educational and informational purposes only and does not constitute financial, legal, or investment advice. Chris Miles and Stuart Heath are not licensed financial advisors. Always consult a qualified professional before making investment decisions. Past results are not a guarantee of future performance. Individual results will vary.

  4. Sep 17

    The Reverse Mortgage Truth Dave Ramsey Gets Wrong (An Expert Explains)

    What's the yield on your home equity right now? Zero. In this episode, Chris Miles sits down with reverse mortgage expert Kevin Guttman — 20+ years of experience, three-time Amazon bestseller, one of only 206 certified reverse mortgage professionals in the country — to explain exactly how homeowners 62+ can access their equity tax-free, eliminate their mortgage payment, and even invest that money to create passive income. Dave Ramsey says reverse mortgages are from Satan. Kevin says Dave is misinformed. Here's the full picture. Here's what we cover: - What a reverse mortgage actually is — and the biggest myths that keep people from considering it - The #1 misconception: "I give up the title to my home" (you don't) - The three ways to use a reverse mortgage: eliminate your mortgage payment, lump sum access, or a growing line of credit - How a family in Tennessee freed up $7,000 a month in cash flow with one transaction - The reverse mortgage line of credit: tax-free, market-protected, grows by compound interest - The $200K line of credit that doubles to $400K at 74 and $800K at 86 — without touching it - How one couple used equity to buy a Florida condo cash and create Airbnb income — two properties, zero monthly payments - Why Dave Ramsey and Suze Orman are wrong — and what they don't know - Chris's personal story: why his father should have done this years earlier - Minimum age requirements: 62 for FHA, 55 for jumbo proprietary - How to use reverse mortgage proceeds to invest and generate passive income If you or someone you love is house-rich and cash-poor — this episode could change how you think about your most valuable asset. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor®. Kevin Gutman is a senior reverse mortgage broker and three-time Amazon bestselling author. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Kevin Guttman — Reverse Mortgage Expert: Website → https://reversemortgagerevolution.com  Free Consumer Guide → download at reversemortgagerevolution.com Toll-Free → 877-251-9797 ► 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 (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. Reverse mortgages are complex financial products — always consult a qualified professional before making decisions. Terms, rates, and eligibility requirements vary. Past results are not a guarantee of future performance. Individual results will vary.

  5. Sep 10

    Graham Stephan Says Real Estate Was a Mistake. A 20-Year Investor Responds.

    Graham Stephan just admitted that his real estate investing — seven properties, low mortgage rates, massive appreciation — delivered only a 4–5% annual return once he backed out repairs, vacancies, insurance, and hassle. In this episode, Chris Miles reacts to Graham's honest breakdown, agrees with everything he got right, and shows exactly what he could have done differently from day one. This is not a "real estate is bad" episode. It's a "real estate done wrong is a part-time job with mediocre returns — and here's how to do it right" episode. Here's what we cover: - Graham's five biggest real estate regrets: rent increases, repairs, returns, depreciation, and hassle - Why not raising rents compounded into a massive problem — and the LA rent control trap - Why 4–5% cash on cash return is unacceptable and what Chris targets instead (8–10% minimum) - The #1 location mistake: why blue states and tenant-friendly cities destroy landlord returns - How to minimize repair risk upfront with proper home inspections and seller conditions - Why a great property manager is make-or-break — and what happens when you get a bad one - The depreciation recapture reality and when it makes sense to just pay the tax and move on - The 1031 exchange explained — including rolling equity into oil and gas and raw land - Why Chris sold off Alabama rental properties and moved into private lending - Is rental property worth buying in 2026? Chris's honest answer. - What Chris is doing with his own money right now: lending, raw land, oil and gas Chris agrees with Graham's honesty — and adds 20 years of hard-won lessons on how to make real estate actually work. 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. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Have questions about real estate or passive investing alternatives? Visit → https://moneyripples.com  ► 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 (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. Individual results will vary.

  6. Sep 8

    The Average Worker Is Productive for 2 Hours and 48 Minutes a Day. Here's the Fix.

    Studies show the average worker is productive for just 2 hours and 48 minutes in an eight-hour workday — because they're pushing through instead of recovering. In this episode, Chris Miles sits down with CPA and author John Briggs to break down the science of why working harder is making you less effective, and the 3.3 Rule that grew his 290-person firm by nearly 500% in four years. This is not a "slow down and smell the roses" episode. It's a "you can get twice as much done if you stop trying to power through" episode — backed by brain science, real business results, and one of the best sports analogies you'll hear all year. Here's what we cover: - Why the 40-hour work week was invented by a car salesman — and why we're still using it - The Princeton brain science study: your brain naturally cycles between focus and distraction - The 3.3 Rule: work up to 3 hours, then take a 30% recovery period - Why the average worker produces only 2 hours and 48 minutes of real output per day - What actually counts as a good break (scrolling your phone doesn't qualify) - The gold standard recovery activity — and why walking outside beats everything else - How John implemented the 3.3 Rule and hit nearly 500% growth in 4 years - The NASCAR pit stop analogy — why strategic breaks win races - Why hustle culture has a misplaced definition of success - John's new book: Take Breaks, Work Better If you've been grinding harder and getting less in return — this episode is your permission slip to stop. 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. John Briggs is a CPA, owner of Insight Tax, and author of Take Breaks, Work Better. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► John Briggs' book: Take Breaks, Work Better Search "Take Breaks Work Better John Briggs" on Amazon ► 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 (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. Individual results will vary.

  7. Aug 20

    The US Is Borrowing $2 Trillion This Year. Here's What That Means for Your Money.

    The US Treasury just announced it needs to borrow $2 trillion this year — $166 billion a month just to break even. In this episode, Chris Miles sits down with Dr. David Phelps (Freedom Founders, 40+ years in real estate and alternative investing) to talk about what's really happening in the economy, what the mainstream narrative is getting wrong, and what two experienced investors are doing with their money right now. This is not a doom and gloom episode. It's a "read the tea leaves honestly and position yourself well" episode — for investors who are tired of being told everything is fine while they watch their purchasing power erode. Here's what we cover: * The $2 trillion borrowing problem — and why it's a tax on future generations * The Minsky moment: why we may be one grain of sand from a major market shift * Why David holds more liquidity today than at any point in his investing career * What Warren Buffett's cash position signals — and why David is mirroring it * The real 30-year S&P average is 8.2% — not the 14–15% of the last 15 years * Cracks in private credit and private equity that most investors aren't seeing * Why strong operators and longer hold periods matter more than ever right now * What David is personally doing: more cash, lower leverage, stronger underwriting If you're a high-income earner wondering whether now is the time to take chips off the table — this conversation is for you. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor® — helping high-income earners become work optional through passive income, infinite banking, and alternative investments. Dr. David Phelps is the founder of Freedom Founders. ───────────────────────────────────── ⏱️ CHAPTERS ───────────────────────────────────── 0:00 What's Coming on the Economic Horizon 1:27 Introducing Dr. David Phelps 2:18 The $2 Trillion Borrowing Announcement 3:23 Why Borrowing to Look Prosperous Always Ends the Same Way 4:13 The Debt Is a Tax on Future Generations 5:52 Stablecoin: How the Government Is Capturing Crypto Skeptics 6:17 The Cashless Society Risk 8:48 Why David Isn't Pessimistic — Just Realistic 9:53 Asymmetric Risk: Downside Now Outweighs the Upside 10:41 Taking Chips Off the Table: The Waiting Game 11:07 The Real 30-Year S&P Average 12:24 Why a 15% Return Over 7 Years Is Just the Bubble Talking 13:04 Structural Fragility: Geometric Debt Growth 13:37 Countries Moving Away from the Dollar 14:52 Higher-for-Longer Rates and Asset Repricing 15:55 Cracks in Private Credit and Private Equity 17:12 The Minsky Moment: One Grain of Sand Away 18:08 Liquidity Is Not Sexy — But It Buys You Time 20:26 What David Is Actually Doing Right Now 22:04 Evaluating Real Estate Operators in Today's Market 23:16 Longer Hold Periods and Lower Return Expectations 24:41 The Power of Community and Masterminds 25:31 How to Follow Dr. David Phelps 27:06 David's Ripple Effect 28:13 Final Takeaway: Be a Doer, Not Just a Hearer ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Freedom Founders Podcast → Search "Freedom Founders Podcast" ► Work Optional Calculator → https://moneyripples.com/passive-income-calculator/  ► Money Leaks Quiz → https://win.moneyripples.com/quiz2  ► Money Ripples Podcast → https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9  ► Website → https://moneyripples.com/

  8. Aug 13

    Caleb Hammer vs. Dave Ramsey: Who's Actually Right About Your Money?

    Caleb Hammer and George Kamel sat down to debate the biggest financial headlines — and Chris Miles crashed the party uninvited. In this episode, the Cash Flow Expert and Anti-Financial Advisor reacts to every take, agrees where they're right, and fires back where the math simply doesn't hold up. Spoiler: Chris sides with Caleb Hammer more than you might expect. But the 7% withdrawal rate debate is where things get real — and where Dave Ramsey's camp gets called out with actual numbers. Here's what we cover: - Sports betting ruining young men's finances — agree or disagree? - Is a $100K salary still middle class? The location and lifestyle nuance nobody mentions - Can you retire on $100,000 total? (Spoiler: absolutely not) - Good debt vs. bad debt — where Kiyosaki is right and where he goes too far - Renting vs. buying right now — why the math actually favors renting in 2025 - US Bitcoin stockpile — why Chris thinks it's about control, not diversification - Is inflation really Americans' #1 financial problem? What a 12,000-person poll actually found - The 7% withdrawal rate debate — why George Kamel's defense made Chris's blood boil - The real math on $1M at 7% over 30 years (51% failure rate — this is not a drill) - Why Dave Ramsey's 8% withdrawal claim is even worse — and Chris ran the Monte Carlo to prove it - What actually works: 5 years of non-market reserves + alternative investments - Why Chris sides with Caleb Hammer over Dave Ramsey — and where he parts ways with both This is not a "let's trash financial gurus" episode. It's a "let's actually run the numbers" episode — and some of those numbers will make you rethink everything your financial advisor told you. 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. ───────────────────────────────────── 🔗 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. Individual results will vary.

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4.6
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About

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.

Information

  • Creator
    Money Ripples Podcast
  • Years Active
    2014 - 2026
  • Episodes
    300
  • Rating
    Clean
  • Copyright
    © Copyright Chris Miles (C/O Blogtalkradio)
  • Show Website
    Money Ripples Podcast

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