Money Ripples Podcast

Money Ripples Podcast

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

  1. 1D AGO

    What I Would Do If I Wanted to Be Financially Free in 5-10 Years?

    Most business owners lose thousands each year from 7 hidden money leaks. See how much extra cash you could keep every month without earning more. It takes 30 seconds. Click HERE to get your result. _________________________________________________________________________________________________ If you've ever asked yourself, "Chris, what can I do right now to become financially free in the next five or ten years?" this episode is my direct answer. I'm not giving you hype. I'm not giving you some overnight crypto play. I'm giving you the exact framework I've used personally, twice, to create financial freedom and become work optional. I hit financial independence the first time in 2006. Then I lost it. By 2008, I was over a million dollars in debt after starting a new business at the wrong time with the wrong strategy. I had to rebuild from scratch. By the end of 2016, I had done it again, this time the right way with true passive income that paid me whether I worked or not. I break down the practical steps that actually work if you want financial freedom within five to ten years. Not theory. Not generic advice. Real strategy. First, I explain the difference between financial independence and financial freedom. Most people think they're the same. They're not. Financial independence means your passive income covers your expenses. Financial freedom means money is no longer the excuse for doing or not doing anything in your life. Then I walk you through the three core pillars that make this possible: Master your cash flow strategy. You must create margin. That means tracking money, eliminating financial leaks, managing debt wisely, and using tools like my Cash Flow Index to determine what to accelerate and what not to touch. Sometimes your best "investment" is optimizing what you already have. Increase income by increasing value. There's no ceiling on income only on cost cutting. Whether you're an employee or a business owner, your job is to become more valuable. Deliver results. Increase profit, not just revenue. Build multiple streams of income. If you're in business, focus on profitability. If you're employed, focus on becoming indispensable. Build liquidity before investing. I recommend building $150,000 to $200,000 before aggressively investing. Why? Diversification. One small rental property with $20,000 down is not a strategy it's exposure. When you have capital, you can spread it across real estate, debt funds, mineral rights, or other cash-flowing assets that are not correlated. I also talk about strategic liquidity moves, including: • Using home equity wisely while rates are lower • Refinancing to improve monthly cash flow • Turning idle equity into income-producing assets • Evaluating stocks, crypto, gold, and other holdings • Why I believe the stock market may not be the place to be long term If you've been in the stock market for the last 17 years, you've likely done well. But the next decade may not look the same. Institutions are projecting 3–5% average returns. That's not financial freedom territory. This episode is about getting lean, getting liquid, and getting your money working for you through real passive income strategies backed by tangible assets. If you follow this system optimize cash flow, increase income, build liquidity, invest strategically, and reinvest your passive income five to ten years is absolutely achievable for many of you. Financial freedom isn't accidental. It's built.

    25 min
  2. You Might Also Like: Science Will Win

    1D AGO · BONUS

    You Might Also Like: Science Will Win

    Introducing Bringing Cancer Into Focus: Biomarkers & Precision Medicine from Science Will Win. Follow the show: Science Will Win What if the key to treating cancer was hiding in plain sight – written into its DNA? In this episode of Science Will Win, host Dr. Raven Baxter explores one of the most exciting breakthroughs in cancer care today: the discovery of biomarkers. These tiny molecular signals are helping doctors understand what’s really driving an individual person’s cancer – and opening the door to treatments that can dramatically change patient outcomes. You’ll hear powerful stories from people whose cancers were traced back to a specific biomarker, alongside experts who break down what biomarker testing is, how it works, and why it’s transforming the way we think about cancer treatment.    Biomarkers are showing us that when we understand cancer at its molecular level, a disease that once felt like an unsolvable mystery starts to come into focus. Featured guests: – Dr. Ross Camidge, Director of Thoracic Oncology, University of Colorado – Kelly Huffman, Lung Cancer Patient and Retail Account Manager, Pfizer – Karin Tollefson, Chief Oncology Medical Officer, Pfizer Dive into the episode here: 00:00 – An oncologist’s diagnosis introduces the world of biomarker 03:10 – Defining biomarkers and its history 06:24 – Discovery of the first lung cancer biomarker 08:39 – The start Kelly’s lung cancer journey 16:00 – Biomarkers: how do you test for them? 19:11– Discovery of ALK biomarker shift’s Kelly’s story 22:34 – Landscape of targeted therapy and lung cancer today 25:24 – Moving forward with targeted treatments and conclusion Check out our YouTube channel (@Pfizer) to watch the full interview with Raven & Kelly Huffman on her lung cancer journey. Season 6 of Science Will Win is created by Pfizer and hosted by Dr. Raven Baxter. It’s produced by Acast Creative Studios. Hosts in this podcast series were compensated for their time. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising. DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to team@podroll.fm.

  3. 4D AGO

    How Does Mortgage Note Investing Really Work: with Fred Moskowitz

    Most business owners lose thousands each year from 7 hidden money leaks. See how much extra cash you could keep every month without earning more. It takes 30 seconds. Click HERE to get your result. ________________________________________________________________________________________________________ We talk constantly about getting away from Wall Street investing and moving into more mainstream investing like real estate. But what if you could take it a step further? What if instead of owning the property… you became the bank? In this episode of the Money Ripples Podcast, I sit down with bestselling author and note investing expert Fred Moskowitz to unpack how mortgage notes work and how you can generate passive income secured by real estate without managing tenants, toilets, or trash. If you've ever wondered how banks make money or why they sell off loans on the secondary market this episode will open your eyes. Fred explains how everyday investors can step across the aisle from borrower to lender and start receiving monthly payments instead of making them. We break down how note investing works, why banks sell loans at a discount, how investors can increase yield by buying below the loan balance, and how this strategy compares to owning rental properties. With rising interest rates, tighter margins, and increasing landlord fatigue, many investors are rethinking traditional real estate. This conversation will show you an alternative path that still keeps you backed by hard assets. Fred shares how the secondary mortgage market functions through institutions like Fannie Mae and Freddie Mac, how loans move from banks to hedge funds to smaller investors, and how you can participate at your level whether you want to be an active investor building your own portfolio or a passive investor in a professionally managed note fund. We also discuss leverage, liquidity, collateral protection, loan servicing, due diligence, and how note investing can even be done inside self-directed IRAs and 401(k)s. If you like the idea of real estate investing but don't want to manage properties or deal with tenant risk, note investing could be a powerful solution. One of the biggest mindset shifts we talk about is this: in any transaction, the lender gets paid first. Whether a property is sold, refinanced, or foreclosed, lien holders are first in line before equity owners see a dime. That positioning can dramatically change your risk profile. Fred also shares insights from his book, The Little Green Book of Note Investing, and explains how investors can get started in this asset class. If you're serious about building passive income, protecting downside risk, and creating more control in your financial life, this episode will challenge how you think about real estate investing. Fred's links: - Website: https://www.fredmoskowitz.com/  - Facebook: https://www.facebook.com/thefredmoskowitz/  - LinkedIn: https://www.linkedin.com/in/thefredmoskowitz/  - Instagram:  https://www.instagram.com/thefredmoskowitz/?hl=en

    27 min
  4. 6D AGO

    Why Cant You Trust Wall Street Advice?

    Most business owners lose thousands each year from 7 hidden money leaks. See how much extra cash you could keep every month without earning more. It takes 30 seconds. Click HERE to get your result. ____________________________________________________________________________________________________________ Have you been listening to JP Morgan, HSBC, Yahoo Finance, or the so-called Wall Street experts telling you the S&P 500 is heading to 7,500 or even 8,000? Are they predicting another 10%+ year in 2026 because of AI efficiencies and interest rate cuts? Let me be blunt: you shouldn't blindly trust them. In this episode, I break down why Wall Street's stock market predictions are often self-serving, misleading, and potentially dangerous for your financial future. I say that as someone who used to be a financial advisor, a stock trader, and someone who once promoted the very system I now question. I understand how assets under management (AUM) works. The more money you keep in the market, the more they make, whether you win or lose. Right now, we're seeing headlines claiming continued bull market momentum, fueled by artificial intelligence, productivity gains, and potential Federal Reserve rate cuts. But I want you to ask a deeper question: who benefits from you believing that narrative? We've experienced a 17-year bull run since the 2009 bottom. Yes, there was a dip in 2022, but it was short-lived. The market roared back. Historically speaking, runs like this are rare. When you study 1929 and the Great Depression, you see eerie similarities, loose money policies, margin trading, overconfidence, and media hype. Today we have margin accounts, massive leverage, mutual funds nearly fully invested, and a public that believes "the market always goes up." Sound familiar? I also unpack the Smoot-Hawley Tariff Act of 1929 and compare it to today's renewed tariff discussions. Protectionist policies, leverage, speculative investing, and overconfidence can create the perfect storm. Add in modern AI hype, and you've got a powerful psychological cocktail that keeps retail investors pouring money into the stock market without questioning risk. The problem isn't investing. The problem is complacency. When financial institutions like JP Morgan predict higher S&P 500 targets, remember: they profit from your participation. Wall Street is incentivized to keep you invested. The media amplifies it. Meanwhile, smart money quietly shifts positions, into gold, silver, alternative assets, and cash-flowing investments that don't rely solely on market appreciation. This episode is not about fear. It's about critical thinking. I challenge you to question narratives. Ask why Wall Street continues projecting growth after historic returns. Consider how margin debt, leverage, and speculative behavior amplify volatility. Understand that when markets correct, they fall fast, and most people react too late. If your retirement, your financial freedom, or your passive income strategy depends entirely on the stock market continuing its historic run, that's a risk worth reevaluating. It's not a matter of if markets correct, it's when. My goal isn't to predict the exact timing. My goal is to help you become work optional, financially resilient, and protected from the volatility that catches most investors off guard. If you want true financial freedom, you need to think beyond Wall Street. Be smart. Be proactive. And don't outsource your thinking. Start making passive income here: https://bit.ly/3OtrWOQ

    20 min
  5. FEB 23

    What Every Passive Investor MUST Look For Before Investing

    Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors. See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds. Click below to get your results -  https://win.moneyripples.com/quiz  Start making a passive income here: https://bit.ly/4asWDw7  What should you really be looking for as a passive investor? That's exactly what I unpack in this episode, recorded live at the Best Ever Conference with Alex Davis from Zeus Companies. If you've ever considered passive real estate investing but hesitated because you weren't sure how to vet operators, read a PPM, or protect your capital, this episode is for you. I've seen too many people either stay stuck in the stock market out of fear or jump blindly into real estate syndications without doing proper due diligence. Neither is the right move. Alex brings a unique perspective because she's been behind the curtain. She started in real estate completely green, working for a hard money lender, learning mortgage terms from scratch. Over time, she gained experience in underwriting, loan servicing, capital raising, note investing, and syndications. She has reviewed offering documents, processed deals, and seen firsthand what separates strong operators from risky ones. In this conversation, we break down exactly what passive investors need to evaluate before wiring a single dollar. We talk about skin in the game. Is the operator investing their own capital, or are they only raising yours? We discuss transparency. Are they willing to walk through their PPM page by page? Can they clearly explain their compensation structure, risk factors, exit strategies, and reporting process? We also dive into communication. What kind of updates should you expect? Monthly? Quarterly? Are there detailed financials? Will they share balance sheets? Do they offer third-party audits? If you're investing in a portfolio of notes or private lending deals, can they show you the actual notes? Most importantly, we emphasize risk awareness. Any operator who tells you there's no risk is waving a red flag. There is always risk. The real question is: what could go wrong, and what systems are in place to mitigate it? As a passive investor, you must understand worst-case scenarios before you ever think about best-case returns. We also cover how to evaluate deals based on your personal goals. Are you investing for monthly income? Long-term growth? Are you using structured funds or cash? How risk-averse are you? Not every real estate syndication or private lending deal is right for every investor. This episode is about being a smart investor, not a "turn your brain off" investor. Passive income does not mean passive thinking. Whether you're considering hard money lending, healthcare syndications, debt funds, or other alternative investments, your job is to read, ask questions, verify, and measure the opportunity against your own financial strategy. If you want your money working harder for you without blindly gambling it away, this episode will give you the practical framework you need to approach passive real estate investing with confidence and clarity.

    12 min
  6. FEB 20

    Why Financial Independence Isn't Enough to Create Real Wealth

    Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors. See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds. Click below to get your results -  https://win.moneyripples.com/quiz  Start making passive income here: https://bit.ly/3MiyK17  If you've been listening to this show for any length of time, you know I'm a big believer in financial literacy. But in this episode, I'm calling out something most people don't want to admit: financial literacy is not enough. You can know the rules, memorize the strategies, even earn a high income and still feel trapped, anxious, or stuck in the same money patterns. That's why I brought on Johann Berlin, a leader with 20+ years of experience across the C-suite, asset management, and leadership development, who now focuses on the psychology of wealth and money. Johann and I go deep into the invisible forces that shape how you earn, spend, save, and invest. We talk about the contracts you never consciously agreed to cultural expectations, family beliefs, and social benchmarking that quietly define what "success" is supposed to look like. And once you start chasing that moving target, the goalposts keep shifting. You can hit the number and still not feel free. We also unpack how modern systems are engineered to hijack your attention. Frictionless payments. Buy-now-pay-later. The attention economy. Algorithms that narrow your worldview and amplify comparison. Most people don't realize they're being influenced by design by teams that understand neuroscience, behavior, and how to nudge you into decisions that benefit someone else's business model. If you've ever wondered why you can feel financially "behind" even while doing well on paper, this is part of the reason. What I appreciated most about Johann's approach is that he doesn't shame anyone. He focuses on awareness because self-awareness creates the ability to choose. We discuss motivations that often drive money decisions: security, freedom, status, and purpose. None of those are inherently wrong, but when they're inherited unconsciously, they can run your life. That's where we get into his "Money Story Rewrite" concept recognizing one belief you're carrying that no longer serves you, and starting to rewire it with small, deliberate actions. We also talk about a key distinction I teach all the time: financial independence is a number. Financial freedom is a state. You can be work optional and still feel yoked to money worries if your identity, your comparisons, or your habits are rooted in scarcity.  Johann offers a simple first step you can take in the next three days: pause before a purchase, get curious about what's driving it, and journal for just a few minutes. Small wins create momentum. Momentum creates agency. And agency is where freedom starts. Johann's links: - LinkedIn: https://www.linkedin.com/in/johannbberlin/  - Instagram: https://www.instagram.com/johannbberlin?igsh=dGxyczV0NzNmN2Fl  - Facebook: https://www.facebook.com/johannbberlin  - Website: https://www.truworthshift.com/  - Ig: https://www.instagram.com/yourtruworth/

    32 min
  7. FEB 18

    Before You Start a Business or Franchise, Consider This First

    Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors. See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds. Click below to get your results -  https://win.moneyripples.com/quiz  Start making passive income here: https://bit.ly/3ODH6Rq  There are a lot of experts, gurus, and influencers out there telling you why you should start a business. In this episode, I'm taking the other side of that conversation: why you should not start a business, and how to know if entrepreneurship is actually a bad fit for you right now. I've been a business owner for nearly 25 years, and I've lived the good, the bad, and the ugly. I started out as a financial advisor inside a company that did a decent job onboarding me with tools and personal development. I was reading books like Rich Dad Poor Dad and How to Win Friends and Influence People, and I was excited. But I learned fast that business isn't just "here's what I do" and people magically show up. You have to learn sales. You have to learn marketing. You have to learn the language of finance. You have to know how to stay profitable, build reserves, navigate credit and lines of credit, handle payroll, manage employees, build culture, and still cast vision. And if you're a solopreneur, you're carrying all of those roles at once. That's a lot, and it's not for everyone. I also talk about what no one wants to admit: entrepreneurship isn't just "freedom." Freedom comes with responsibility, and responsibility comes with pressure. As an employee, you usually have an income floor, but you also have an income ceiling. As a business owner, you have no ceiling, but you also don't have a floor. You can make zero. You can even lose money. When cash gets tight, you're the one who has to figure it out. I share a personal story from my early days: I was working a job for benefits while building my practice on the side, sometimes from 7:00 AM to 9:00 or 10:00 PM. When I finally went full-time, I thought I had a big month coming. Then reality hit. I panicked. And I didn't realize it at the time, but that scarcity and pressure showed up in my energy, and prospects backed away. My income actually dropped when I "went all in," and I eventually had to look for part-time work again. That experience taught me something important: if you need safety and security to perform well, you may be better off keeping business as a side hustle until your finances and mindset can handle the volatility. We also talk about the "buy a business" trend, franchises, and why you might end up being the manager instead of the owner you imagined. I break down who tends to succeed faster (people with prior business experience), why the "80% fail in five years" stat is often misunderstood, and the real ugly side nobody highlights: distractions, market shifts, legal issues, and the mental load that causes most people to quit when it gets hard. If you're thinking about starting a business, buying a business, or buying a franchise, listen to this first. My goal is to help you make a smarter decision, protect your family, and choose the path that actually fits your personality and your season of life whether that's entrepreneurship, intrapreneurship inside a company, or building freedom through passive income.

    21 min
  8. FEB 16

    What Economic Factor is Scarier Than Unemployment Now?

    Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors. See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds. Click below to get your results -  https://win.moneyripples.com/quiz  Start making passive income here: https://bit.ly/3ZPYC7H  Is there a statistic more concerning than the unemployment rate right now? Everyone keeps pointing to 4.4% unemployment like it's proof that everything is fine. But what if that number is hiding a much bigger economic problem? In this episode, I break down why underemployment may be a far more important economic indicator than the traditional unemployment rate. If you're watching the economy, investing in passive income, or trying to protect your financial future, this is something you need to understand. Right now, nearly 8.8 million Americans are working multiple jobs. Another 5.3 million are working part-time for economic reasons. Many of them want full-time work but simply cannot find it. These individuals are technically "employed," but they are not employed enough. And that distinction changes everything. We've moved from a one-income household… to two-income households… and now to multiple-income-per-person households just to make ends meet. Rising prices, wage stagnation, inflation manipulation, and affordability pressures are quietly squeezing the middle class. While the Federal Reserve, labor statistics, and media headlines may highlight low unemployment numbers, they are not talking enough about job quality, income stability, and economic sentiment. I also explain why sluggish job growth, rising inflation, and declining consumer confidence matter more than headline unemployment numbers. We discuss how inflation outpacing wages impacts spending, why multiple job holders are increasing, and how this creates ripple effects throughout the broader economy. When money exchanges hands more slowly, everyone feels it. We'll also talk about the real danger signals: hiring freezes, tech layoffs, shrinking demand, and tightening household cash flow. This isn't about fear. It's about awareness. If people are forced into multiple gigs just to survive, that tells you something deeper is happening beneath the surface. Most importantly, I share what you can actually do about it. You cannot control government statistics. You cannot control Federal Reserve policy. But you can control your own economy. The key right now is value creation. The people who thrive in uncertain economic cycles are those who solve bigger and better problems. It's not about chasing another degree. It's not about grabbing more random side hustles. It's about increasing your usefulness, strengthening your skill set, and positioning yourself as someone who creates real value in the marketplace. If you want to build passive income, increase cash flow, and protect your financial future in today's shifting economy, this episode will help you see what most people are missing.

    17 min
4.6
out of 5
136 Ratings

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.

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