Money Ripples Podcast

Money Ripples Podcast
  • 4.6 (137)
  • 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. 4d ago

    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

  2. May 20

    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

  3. May 18

    6 Smart Money Moves to Make While in Your 20's

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. If you're in your 20s and you want to create financial freedom faster than the traditional retirement path, this episode is for you. In this episode, I break down the six biggest money moves young adults are told to make and then I show you what actually works if your goal is to become financially free before your 60s. Most financial advice tells you to max out your 401(k), get your employer match, open a Roth IRA, and hope compound interest saves the day decades from now. But after retiring twice by age 39, I can tell you firsthand there's a much faster and smarter way to build wealth, increase cashflow, and create passive income. In this episode, I walk through the traditional financial advice that most people hear from financial advisors, Dave Ramsey-style personalities, and mainstream finance articles. Then I contrast it with the exact strategies I've used personally and the same principles we've used at Money Ripples to help clients improve cashflow by over $350 million over the last 16 years. I explain why simply relying on a 401(k) match isn't the financial home run people think it is, how hidden fees and underperformance eat away at returns, and why increasing your income is often more powerful than focusing solely on investing early. If you've ever wondered whether the employer match is really "free money," I break down the actual math behind it. I also dive into why building a strong emergency fund matters more than most people realize especially in today's economy with layoffs, inflation, and rising costs of living. I share exactly how I structure my own emergency reserves using savings accounts, high-yield savings accounts, whole life insurance, and even gold and silver. You'll also hear my thoughts on Roth IRAs versus whole life insurance, why Infinite Banking can create more flexibility and control, and how to think differently about money if you want to retire decades earlier than the average American. Most importantly, I talk about one of the most overlooked wealth-building strategies: increasing your value. Instead of just asking how to invest more money, I challenge you to ask how you can become more valuable to employers, clients, customers, and the marketplace. The people who create financial freedom fastest are usually the ones who learn how to solve bigger problems and create more value. This episode is especially important for Millennials, Gen Z, entrepreneurs, young professionals, and anyone in their 20s who wants to avoid financial mistakes that can delay wealth for decades. Whether you're trying to pay off debt, build passive income, learn Infinite Banking, or create financial independence early in life, this episode gives you a practical roadmap you can start using immediately. If you're tired of generic financial advice and want real-world strategies that can actually accelerate your wealth-building journey, this episode will challenge the way you think about money, retirement, investing, and financial freedom.

    30 min

  4. May 15

    Paul Musson Returns to Give Advice How You Can Prepare In This Uncertain Economy

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. What do you actually do when you realize the economy isn't nearly as stable as the headlines claim? A few months ago, I sat down with Paul Musson to talk about what's really happening behind the scenes with inflation, central banks, government debt, and the Federal Reserve. But this episode goes a step further. Now we're answering the question everyone is really asking: "What should I do with my money right now?" In this conversation, Paul and I unpack the real dangers facing investors today, including excessive government spending, market manipulation, inflation, passive investing bubbles, and the growing disconnect between Wall Street and the real economy. Paul shares insights from his background as a professional global equity investor and explains why so many investors, financial institutions, and even central banks continue making short-term decisions that may create long-term economic damage. We discuss why the stock market has become increasingly disconnected from true productivity and capital creation, how central banks continue propping up asset prices, and why inflation may remain a long-term threat to everyday Americans. Paul explains the difference between healthy deflation versus destructive inflation and why most people misunderstand how wealth is truly created in a healthy economy. We also dive into practical investing strategies during uncertain times. Paul shares how he personally allocates capital today, including his views on high-quality businesses, gold, cash reserves, active investing versus passive index funds, and how to carefully participate in today's markets while still preparing for potential downside risks. If you've ever wondered whether index funds are becoming dangerous, whether gold still matters, or whether another financial crisis could happen, this episode gives you a thoughtful and balanced perspective. One of the most important parts of this conversation is the reminder that fear alone won't create financial freedom. Yes, there are cracks forming in the global financial system. Yes, debt, deficits, and inflation matter. But there are still opportunities for those willing to educate themselves, think critically, and make intentional financial decisions instead of blindly following conventional wisdom. Paul also shares why history matters when understanding financial markets, why moral hazard continues to grow in modern economies, and why policymakers often kick problems down the road instead of solving them. We discuss the dangers of financial repression, socialism, excessive money printing, and why productivity and innovation are ultimately what create lasting prosperity. If you're tired of surface-level financial advice and want a deeper understanding of how to protect and grow your wealth in uncertain economic times, this episode is for you. My goal is never to create fear, but to help you become more financially aware, more intentional, and more empowered so you can create passive income, become work optional, and build lasting financial freedom regardless of what happens in the economy next. This conversation with Paul Musson is one of the most important discussions we've had on the Money Ripples Podcast because it's not just about understanding the economy, it's about learning how to navigate it wisely.

    31 min

  5. May 13

    Why Are 70% of Young Adults Making Bad Investments

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. Did you know that nearly 70% of people following financial influencers on social media have lost money to investment fraud or scams? In this episode, I break down the dangerous rise of "finfluencers" and why so many people are being misled when it comes to investing, passive income, cryptocurrency, real estate, and financial freedom. As someone who has spent over 24 years in the investing and financial space, I've seen firsthand how hype, popularity, and social media algorithms can make unqualified people appear like financial experts. The problem is that many of these influencers have never actually achieved true financial freedom themselves, yet they're teaching others how to build wealth. That's a dangerous combination. In this episode, I share shocking statistics from FINRA showing how younger generations especially those between ages 18 and 34 are relying heavily on social media for investment advice. Even more concerning, many people overestimate their financial knowledge after consuming content online, while simultaneously becoming more vulnerable to fraud, scams, and high-risk investments that eventually collapse. I also explain why following principles matters more than blindly following strategies. Markets evolve. Investments that worked five years ago may not work today. I talk about how my own views on turnkey rentals have changed over time due to shifts in interest rates, inflation, housing prices, and market cycles. This is why I constantly stress the importance of adapting instead of becoming emotionally attached to one investment philosophy. Throughout this episode, I share real stories of investors who lost significant money chasing unrealistic returns, including someone who put $250,000 into a crypto savings account promising 9% returns only to lose everything. I also discuss how even experienced real estate investors can fail when they rely too heavily on appreciation or leverage without understanding market cycles. One of the biggest lessons I want you to take away is this: investing successfully is not just about the investment itself. It's about the operator behind it. Too many people focus only on the "deal" and fail to evaluate the experience, integrity, and track record of the person running it. A great investment with a bad operator can still lose you money. I also challenge the idea that popularity equals expertise. Just because someone has millions of followers on YouTube, TikTok, Instagram, or podcasts does not mean they understand investing, passive income, infinite banking, real estate syndications, or financial freedom. Many influencers simply became successful at marketing not investing. This episode is ultimately a warning, but it's also a call to become a smarter, more critical investor. I encourage you to think independently, question everything including what I say and seek guidance from people who have actually been through multiple market cycles, experienced losses, learned hard lessons, and continue to invest alongside their audience today. If you want to protect your money, avoid scams, build real passive income, and create lasting wealth, this episode will help you develop the mindset and awareness you need in today's financial environment.

    20 min

  6. May 11

    How to Pay for Rising College Costs in 2026

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. College costs are exploding in 2026, and families everywhere are asking the same question: how are we supposed to pay for this? In this episode, I break down the real numbers behind today's rising college tuition costs, why traditional financial advice around education is failing families, and what smarter alternatives might actually create a better return on investment for your kids and your finances. I dive into a recent report showing that college tuition has doubled over the past 30 years while wages have only increased by 39%. That gap is crushing families financially. Whether you're looking at in-state tuition, out-of-state schools, or private universities, the cost of a four-year degree can range from $100,000 to over $250,000 per child. As someone with eight kids in a blended family, this topic hits close to home for me personally. I walk through the different ways families currently pay for college, including grants, scholarships, Pell Grants, work-study programs, and student loans. But instead of repeating the same old advice to "avoid debt at all costs," I challenge that thinking entirely. I explain why student loans can actually be a strategic financial tool when used correctly, especially if your money can earn a higher return elsewhere through passive income investments or alternative assets. I also break down one of the biggest financial concepts most families completely miss: opportunity cost. If you pull cash out of investments or savings to pay for college, what are you giving up in future growth and cash flow? I share real examples showing how paying cash for college isn't always the smartest move and why liquidity matters more than most people realize. But this episode goes far beyond just financing college. I challenge the very assumption that college is even necessary for many careers today. With AI rapidly changing the workforce, the value of specialized skills is increasing dramatically. I discuss why trades, apprenticeships, AI integration skills, entrepreneurship, welding, HVAC, and technical certifications may provide a far greater return than traditional degrees for many young adults entering today's economy. I share my own personal story as a college dropout who walked away with one class remaining because I discovered entrepreneurship created a better ROI than finishing my degree. I compare that path with a close friend who pursued multiple master's degrees during the Great Recession but still struggled to find work. The lesson? Employers don't pay for degrees. They pay for value, skills, and results. This episode is about thinking differently. It's about questioning the status quo and making intentional financial decisions instead of blindly following conventional wisdom. Whether you're a parent stressing about tuition, a student considering your future, or someone reevaluating what financial freedom really looks like, this episode will help you rethink the entire college equation. If you've ever wondered whether college is truly worth the cost anymore, this conversation is one you need to hear.

    23 min

  7. May 8

    Is Co-Living Rentals the Superior Way to Make Money with Rentals

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. Have you heard about the growing real estate strategy called co-living? More importantly, could co-living real estate be one of the best cash flow opportunities in today's market? In this episode, I sit down with co-living real estate expert Sam Wegert to unpack how this strategy works, why it's exploding in popularity, and how investors are creating massive monthly cash flow while simultaneously solving America's housing affordability crisis. Sam has become one of the leading voices in the co-living space, helping investors understand how to transform traditional single-family homes into highly profitable co-living properties. He's been involved with thousands of co-living doors and became financially independent himself at just 23 years old. In this conversation, we break down exactly how this strategy works, how investors are cash flowing thousands of dollars per property every month, and why co-living may outperform traditional rentals in today's market. We dive deep into the economics behind co-living and why this model is becoming increasingly attractive as housing affordability continues to decline across the United States. Sam shares staggering statistics about rising homelessness, the growing wealth gap, and why affordable workforce housing is becoming one of the biggest investment opportunities of this generation. He explains how co-living offers renters a solution by cutting housing costs nearly in half compared to studio apartments while simultaneously increasing profits for real estate investors. One of the most eye-opening parts of this episode is hearing how co-living properties can produce 2x to 3x the rental income of traditional long-term rentals. Sam shares real examples of properties that would traditionally rent for $2,600 per month but instead generate over $8,000 monthly through the co-living model. We also discuss how investors can convert homes into eight-, nine-, or even ten-bedroom properties while maintaining clean, quiet, and professionally managed living environments. If you've ever wanted to get into real estate investing but thought you didn't have enough capital, this episode is especially important. Sam explains creative strategies for financing renovations, negotiating with sellers, and even how some investors lease homes and sublease the rooms for profit. We also cover the legal side of co-living, including membership agreements, zoning challenges, city regulations, and how some states like Colorado are becoming increasingly favorable toward co-living communities. This episode is packed with practical insights for anyone interested in passive income, real estate investing, affordable housing, or alternative investment strategies. Whether you're a seasoned investor looking for stronger cash flow or someone searching for your first profitable real estate deal, co-living may be a strategy worth seriously considering. If you're tired of hearing the same old Wall Street advice and want to explore real Main Street investing opportunities that can create both impact and income, this conversation will challenge the way you think about real estate.

    27 min

  8. May 6

    One Simple Way to Become Financially Free Faster

    Most business owners lose thousands from hidden money leaks. Find out how much you could keep in 30 seconds. Click HERE to get your result. What if the secret to achieving financial freedom faster isn't another investment strategy but the people you surround yourself with? This morning, I woke up with a powerful realization that I've experienced over and over again in my own life and I've seen it play out with hundreds of our clients at Money Ripples. If you've been trying to build passive income, grow your wealth, or become work optional, but feel like you're spinning your wheels, this might be the missing piece. In this episode, I share a personal story from a recent half marathon I ran. I wasn't at my best. I was tired, my legs felt heavy, and I didn't expect to hit my goal. But something interesting happened along the way. By surrounding myself with other runners, feeding off their energy, and staying connected to the crowd, I pushed harder than I thought possible and ended up outperforming my expectations. That experience reinforced a powerful truth: you don't achieve greatness alone you achieve it through community. I break down why having the right people around you is one of the most underrated yet powerful strategies for building wealth and achieving financial freedom. Whether it's through mastermind groups, coaching, or simply connecting with like-minded individuals, your environment plays a massive role in your results. I also talk about what I've seen firsthand working with over 1,000 clients who have created more than $300 million in passive income. The people who succeed the fastest are not the ones who try to figure everything out on their own they're the ones who plug into a community that supports, challenges, and elevates them. We dive into why traditional financial advice often falls short, why trying to "Google your way" to financial independence can delay your success by decades, and how real conversations especially face-to-face create breakthroughs that no podcast, AI tool, or course ever could. I also share insights from hosting mastermind events and how shifting from a "guru model" to a community-driven model has created deeper impact and better results for everyone involved. Because when you're surrounded by people who are going through the same challenges or just overcame them you gain clarity, confidence, and momentum. This applies to every area of life. Want better health? Join a health-focused community. Want stronger relationships? Surround yourself with people who prioritize connection. Want financial freedom? Get around people who are actively building passive income and creating real results. If you're serious about becoming work optional, creating passive income, and building a legacy not just for yourself but for your family then this episode will challenge you to rethink how you approach your journey. Because the truth is simple: If you want to go faster, go alone. If you want to go farther and faster go together.

    14 min
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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
    299
  • Rating
    Clean
  • Copyright
    © Copyright Chris Miles (C/O Blogtalkradio)
  • Show Website
    Money Ripples Podcast

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