Money Ripples Podcast

Money Ripples Podcast
  • 4.6 (138)
  • Investing
  • 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. 3h ago

    How to Win in Any Economy: The Millionaire Maker's Playbook | Loral Langemeier

    How do you win in any economy? Loral Langemeier, "The Millionaire Maker," says it starts with how you're structured, not what the market does. Own a business, get strategic about taxes, and invest in real assets that cash flow. Chris Miles, your Cash Flow Expert and Anti-Financial Advisor®, sits down with Loral Langemeier, founder of Integrated Wealth Systems, best-selling author, and financial coach with 30 years of experience. Chris has followed her work for about 20 years. Together they break down what Loral calls "living corporate life," why your CPA might just be a historian, and the unglamorous, recession-resistant businesses she'd buy today. In this episode, you'll learn: ✅ How Loral went from exercise physiologist to real estate and oil and gas investor ✅ What "living corporate life" means, and why it isn't working for a corporation ✅ Why your CPA is a historian unless you plan your taxes ahead ✅ How high-income W-2 earners can use a business to access more of the tax code ✅ Franchises vs. buying a small business: what to watch out for ✅ Why the trades, cleaning, and pest control can hold up in a recession ✅ The "acres of diamonds" idea: optimize the business you already have ✅ Why generational wealth needs structure, not just an inheritance 🔗 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: www.moneyripples.com  🎙️ ABOUT OUR GUEST Loral Langemeier, "The Millionaire Maker," is the founder of Integrated Wealth Systems and a best-selling author. ► Take Loral's financial personality quiz: https://integratedwealthsystems.com  🤝 THIS EPISODE IS SUPPORTED BY ► Central Lending, alternative investments built for steady cash flow: centrallending.com  👋 ABOUT MONEY RIPPLES Money Ripples is hosted by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor®. This channel is for people who want their money working harder so they don't have to, and who want to become work optional with enough passive income to work because they want to, not because they have to. ⚠️ DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, or legal advice. Opinions expressed by guests are their own and do not necessarily reflect those of Money Ripples or Chris Miles. Mention of any platform, franchise, or investment is not an endorsement. All investing involves risk, including possible loss of principal. Tax strategies depend on current law and individual circumstances. Sponsored mentions are paid partnerships. Consult a qualified professional before making financial decisions.

  2. 3h ago ·  Bonus

    You Might Also Like: The Oprah Podcast

    Introducing Niecy Nash: The Power of Loving Yourself Out Loud from The Oprah Podcast. Follow the show: The Oprah Podcast The two-time Emmy award-winning actress and star of Hulu’s all women divorce drama All’s Fair - Ms. Niecy Nash-Betts - joins the Podcast. Nicknamed “The Range” in Hollywood for her extraordinary ability to transcend both comedic and dramatic roles on television and in the movies. Oprah talks to Niecy about how from a young age she manifested her acting career. The two discuss Niecy’s marriage to her ‘’hersband,” Jessica Betts, after being married twice in the past to men. Niecy shares why she didn’t feel the need “to come out” and the mistakes she’s made as a mother to her three adult children. Niecy also takes questions from listeners about her fan-favorite show, All’s Fair on Hulu - now in its second season - and reveals what it’s like working on and off the set with her powerhouse co-stars Kim Kardashian, Sarah Paulson, Naomi Watts, Teyana Taylor and the legendary Glenn Close. And caregivers take note, Niecy talks about the challenges she faces providing care for her elderly father. 00:00:00 - Welcome Niecy Nash 00:02:30 - Niecy knew she was a performer 00:03:15 - Her nickname “The Range” 00:08:00 - Niecy’s Emmy speech 00:10:40 - Has fame changed her? 00:12:45 - Niecy’s greatest luxury 00:14:30 - All’s Fair role 00:19:00 - Favorite outfit from All’s Fair 00:20:20 - Fatal Attraction with Glenn Close 00:22:20 - Niecy’s wig obsession 00:24:00 - Niecy on motherhood 00:26:30 - 6 year wedding anniversary 00:28:30 - On wife Jessica Betts 00:33:45 - Going public on their relationship 00:41:30 - Caretaking her father 00:46:00 - Niecy’s ideal role 00:48:40 - What she would not share 00:49:24 - Rapid fire questions Follow Oprah Winfrey on Social: https://www.instagram.com/oprahpodcast/ https://www.facebook.com/oprahpodcast/ https://www.instagram.com/oprah/?hl=en 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. 6d ago

    He Owed $70 Million in Personal Guarantees. Now He Buys Real Estate With No Debt.

    In 2008, Joel Friedland had 50 buildings, 10 of them vacant, and owed $70 million in personal guarantees to seven banks. Today he buys industrial real estate with little or no debt, and he's built a long-term, relationship-first model around it. Chris Miles, your Cash Flow Expert and Anti-Financial Advisor®, sits down with Joel Friedland of Brit Properties, a Chicago industrial real estate investor and syndicator with 40 years in the business. After rising rates and overleveraged deals stressed real estate since 2022, they ask the big question: is debt-free real estate investing the answer? Joel is candid about the trade-off. No debt means no forced sale and no foreclosure, but lower returns. He explains why that's a trade his investors are glad to make, and why he calls himself the "anti-syndicator." In this episode, you'll learn: ✅ What 16–18% interest rates in the early 1980s teach us about today ✅ How course-selling gurus and the 2012 JOBS Act flooded the syndication market ✅ Why leverage is like lighter fluid: great for the grill, dangerous for the house ✅ Why Joel holds his best buildings long term instead of selling every 3–5 years ✅ How he picks roughly 700 out of 16,000 industrial buildings in Chicago ✅ Why succession planning matters for both operators and investors ✅ How the step-up in basis can pass real estate to the next generation ✅ Why Joel expects a downturn and how he's preparing ✅ The "new roof" that wasn't, and why due diligence matters more than ever 🔗 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: moneyripples.com  🎙️ ABOUT OUR GUEST Joel Friedland is the founder of Brit Properties, a Chicago-based industrial real estate firm that syndicates deals with little or no debt. ► Website: https://britproperties.com  🤝 THIS EPISODE IS SUPPORTED BY ► Central Lending, alternative investments built for steady cash flow: centrallending.com 👋 ABOUT MONEY RIPPLES Money Ripples is hosted by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor®. This channel is for people who want their money working harder so they don't have to, and who want to become work optional with enough passive income to work because they want to, not because they have to. ⚠️ DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, or legal advice, and is not an offer to buy or sell any security. Opinions expressed by guests are their own and do not necessarily reflect those of Money Ripples or Chris Miles. Real estate syndications are typically limited to accredited investors, are illiquid, and carry risk, including possible loss of principal. Tax outcomes such as a step-up in basis depend on current law and individual circumstances. Sponsored mentions are paid partnerships. Consult a qualified professional before making financial decisions.

  4. Oct 15

    You Don't Need Infinite Banking for Passive Income. Here's Why You'll Want It.

    Do you need infinite banking to create passive income? No. You can absolutely build passive income without it. But in this episode, Chris Miles shows why infinite banking can throw fuel on the fire, and why he's leaning on it more than ever for certainty. A lot of people find Money Ripples and assume infinite banking is the passive income strategy. It isn't. Investments create the passive income. A properly designed whole life policy is what protects it, gives you liquidity during down years, and can help your money work in two places at once. Chris walks through an Ernst & Young study that tested a blend of 30% whole life and 70% aggressive investments, how Mark Cuban protected his wealth with put options, and a 15-year case study comparing three paths for the same investor. He also shares two personal stories about why the death benefit matters more than most people think, including what it cost his family to settle his dad's debt-free estate. In this episode, you'll learn: ✅ Why you don't need infinite banking to create passive income ✅ The 30/70 whole life and aggressive investing blend from the Ernst & Young study ✅ How life insurance can work like a "put option" on your portfolio ✅ Case study: a 50-year-old with $200K to invest who wants $10K a month by 65 ✅ Taking income from investments in up years and from cash value in down years ✅ Why you're not actually "borrowing from yourself," and how the loan spread works ✅ How the first three years work when your emergency fund funds the premium ✅ Why the death benefit is about the living, not just the dying Every scenario is a hypothetical illustration based on assumptions, not a guarantee. 🔗 RESOURCES & LINKS ► Watch next, Whole Life vs. IUL: The Real Numbers Nobody Shows You: https://youtu.be/HOMwAdFUpOU  ► See what a properly designed policy looks like for you: Infinite Banking: 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/  ► 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  🤝 THIS EPISODE IS SUPPORTED BY ► Central Lending, alternative investments built for steady cash flow: centrallending.com 👋 ABOUT MONEY RIPPLES Money Ripples is hosted by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor®. This channel is for people who want their money working harder so they don't have to, and who want to become work optional with enough passive income to work because they want to, not because they have to. ⚠️ DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, insurance, or legal advice. All scenarios are hypothetical illustrations based on assumptions and are not guarantees of future results. Dividends are not guaranteed. Policy loans and bank loans secured by cash value accrue interest and can reduce cash value and death benefit if unpaid. Tax treatment and creditor protection depend on policy structure, state law, and individual circumstances. All investing involves risk, including possible loss of principal. Sponsored mentions are paid partnerships. Consult a qualified professional before making financial decisions.

  5. Oct 8

    5 Principles That Increase the Velocity of Your Money (Most Advisors Skip #1)

    Your 401(k) isn't savings, your mutual fund isn't compounding, and "retirement" might be the wrong goal entirely. Curtis May breaks down the 5 principles that increase the velocity of your money and the 3 rules he uses to filter every investment. Chris Miles, your Cash Flow Expert and Anti-Financial Advisor®, sits down with Curtis May, founder of Practical Wealth Advisors and host of The Practical Wealth Show. After four decades in the financial industry and four market crashes of hearing "don't worry, the market will come back," Curtis lost his religion about Wall Street and rebuilt his approach around principle-based planning: principles drive strategy, strategy drives tactics, and products come last. In this episode, you'll learn: ✅ Why saving and investing are not the same thing (and which bucket your 401(k) really falls into) ✅ The 5 principles: save, maximum protection, guaranteed asset placement, liquidity, and velocity of money ✅ The difference between an emergency fund and an opportunity fund ✅ Where to store cash so it keeps growing uninterrupted: the private reserve / Infinite Banking strategy ✅ Statement wealth vs. contract wealth, and why you can't take a statement to the grocery store ✅ Why mutual funds don't actually earn compound interest ✅ Why financial freedom is a capacity, not an age ✅ Curtis's 3 rules: invest in what you know, invest in what you can control, and don't chase returns If you're a high earner who's done everything "right" and still feels stuck, this is the cash-flow-first framework for becoming work optional sooner, without turning investing into another job. 🔗 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: www.moneyripples.com    🎙️ ABOUT OUR GUEST Curtis May is the founder of Practical Wealth Advisors and host of The Practical Wealth Show. ► Website: https://www.practicalwealth.net/  ► Book: Where Did My Money Go? (coming soon to Amazon)  🤝 THIS EPISODE IS SUPPORTED BY ► Central Lending, alternative investments built for steady cash flow: centrallending.com 👋 ABOUT MONEY RIPPLES Money Ripples is hosted by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor®. This channel is for people who want their money working harder so they don't have to, and who want to become work optional with enough passive income to work because they want to, not because they have to. New episodes every week on cash flow, Infinite Banking, real estate, private lending, and financial freedom. ⚠️ DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, insurance, or legal advice. Opinions expressed by guests are their own and do not necessarily reflect those of Money Ripples or Chris Miles. All investing involves risk, including possible loss of principal, and past performance does not guarantee future results. Life insurance policies, guarantees, and dividends depend on contract terms and the financial strength of the issuing company. Sponsored mentions are paid partnerships and not an endorsement of any specific investment. Consult a qualified professional before making financial decisions.

  6. Oct 1

    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.

  7. 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.

  8. 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.

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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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