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. 1d ago

    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.

  2. 1d ago ·  Bonus

    You Might Also Like: The Oprah Podcast

    Introducing Heart Disease Kills More Women than All the Forms of Cancer Combined from The Oprah Podcast. Follow the show: The Oprah Podcast BUY THE BOOK! The Healing Power of Resistance by Dr. Tara Narula https://amzn.to/4h1TDu1 Heart disease is the number one killer of women in America. One of the country’s leading cardiologists is ABC News chief medical correspondent Dr. Tara Narula who, earlier this year, released her New York Times bestselling book The Healing Power of Resilience: A New Prescription for Health and Well-Being. Oprah and Dr. Narula discuss the hidden warning signs of heart disease and how you can take better care of your cardiovascular health. Dr. Narula also explains how your connection to faith, purpose and hope can help you live a more meaningful life and beat the odds of heart disease. We also hear from a young woman in her thirties currently living with heart failure, another woman who used GLP-1s with great results towards her cardiovascular health and a patient who says Dr. Narula saved her life. 00:00:00 Welcome Dr. Narula, author of “The Healing Power of Resilience" 00:05:20 - Stats of women’s heart health  00:11:20 - Cardiovascular disease is happening to women younger and younger 00:16:30 - Stress, women and heart health 00:24:10 - 60% of Black women live with cardiovascular disease  00:25:50 - social determinants of health  00:29:15 - Heart benefits of GLP-1s 00:32:20 - Menopause and heart health  00:37:00 - High blood pressure and heart health  00:39:20 - Faith, purpose and your health  00:42:40 - Life’s essential 8 checklist  Follow Oprah Winfrey on Social: https://www.instagram.com/oprahpodcast/ https://www.facebook.com/oprahwinfrey/ Listen to the full podcast:  https://open.spotify.com/show/0tEVrfNp92a7lbjDe6GMLI https://podcasts.apple.com/us/podcast/the-oprah-podcast/id1782960381 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.

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  3. 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.

  4. 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.

  5. 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/

  6. 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.

  7. Aug 6

    How a Military Officer Built Work Optional Income Without a Six-Figure Salary

    Max is a US Army captain — not a high-earning executive, not a real estate mogul. And he's already on the path to work optional.  In this episode, Chris Miles sits down with Max to unpack exactly how he built passive income from crypto, rental properties, and private alternatives on a military salary. If you've ever told yourself you don't make enough to invest in alternatives, this episode will change how you think about that. Max started with a small paycheck at West Point and made disciplined decisions at every duty station. The result? He's financially ahead of most people his age who make significantly more than he does. Here's what we cover: - How Max went from financially illiterate to building a real passive income portfolio - Why a predictable government paycheck is actually an investing advantage - His early crypto bet in 2014 — and why he didn't panic sell through every spike and crash - How buying a house at every duty station became a real estate portfolio - Why the short-term rental in Florida didn't work out — and what he learned from it - What opened the door to private alternatives and infinite banking - How finding the right community (not just books) gave him the confidence to invest - Why he's leaving the army next year — and what work optional means for his family - His advice to anyone who's been "learning" for years but hasn't taken action yet - "Hope demands action" — the one phrase that changed how Max thinks about investing This is the episode for anyone who thinks passive income investing is only for people who already have a lot of money. It's not. It's for people who start early and stay disciplined. 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.

  8. Jul 30

    The Mobile Home Cash Flow Loophole Nobody Talks About | 22% Cash-on-Cash Returns

    Can you REALLY cash flow mobile home parks in 2026? Chris Miles sits down with Mitzi Diane — "The Mobile Home Queen" and founder of Swift Sell Properties — to break down how she turns "trailer trash into cash" with 22%+ cash-on-cash returns, six figure flips, and rent-to-own strategies most investors completely overlook. If you're tired of single-family rentals barely breaking even, this episode reveals a niche where $60K can generate $1,300/month in cash flow — WITHOUT dealing with traditional tenant headaches, mortgages, or bloated renovation budgets. 🎯 WHAT YOU'LL LEARN: ✔ Why mobile homes INSIDE parks outperform mobile homes on land ✔ The rent-to-own / owner-finance strategy that eliminates landlord stress ✔ Real numbers: $200K single family (5% cash-on-cash) vs. mobile homes (22%+) ✔ How to flip a mobile home for $20K–$85K per deal ✔ The #1 mistake new investors make (and how to avoid a 6-figure loss) ✔ How chattel loans, consumer loan laws & repossession work differently ✔ Why mobile homes are APPRECIATING for the first time ever ✔ The mindset & nervous system science behind investor success 💰 FREE CASH FLOW QUIZ: Find an extra $2,000/month without earning more or changing your lifestyle 👉 https://moneyripples.com  📈 SPONSORED BY CENTRAL LENDING: Alternative investments designed for steady passive income 👉 https://centrallending.com  🔔 SUBSCRIBE for weekly episodes on passive income, real estate investing, and becoming work-optional.

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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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