Money Ripples Podcast

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....

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...

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 actua...

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 pas...

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...

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...

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...

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 t...

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...

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 c...

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 r...

Is now the RIGHT time to invest in real estate — or should you sit on the sidelines? In EP 1087 of the Money Ripples Podcast, Chris Miles sits down with veteran investor, author, and Bar Down Investments partner Jay Scott to cut through the market noise and identify the REAL signals investors need to watch in 2026. Jay has been tracking the economy in real time for over 20 years. From navigating t...

Facing a massive capital gains tax bill from selling your business, real estate, or Bitcoin? Chris Miles sits down with Brett Swarts — capital gains tax strategist and author of "Building a Capital Gains Tax Exit Plan" — to reveal the Deferred Sales Trust strategy that's helped clients defer millions in taxes WITHOUT being forced into a 1031 exchange. In this episode, you'll learn: ✅ Why the 1031...

A 90-year-old billionaire money manager with over 60 years of experience just went on Diary of a CEO and warned that the U.S. stock market is in the biggest bubble in American history — bigger than 2000, bigger than 1929 — and is heading for a 70% correction. His name is Jeremy Grantham. He called the 2000 dot-com crash. He called the 2008 housing collapse. And now he's saying it again. In this ep...

His dad has been a financial advisor for 30+ years — so why did Donnie walk away from the traditional 401(k) path and start building passive income instead? In this Money Ripples interview, cash flow expert and Anti-Financial Advisor Chris Miles sits down with real client Donnie, an IT / cyber security executive, to unpack how he went from "max out your 401(k)" advice to actively building work-opt...

Is it actually possible to save $15,000 a year for 15 years and create $15,000 a month of passive income? Chris Miles — former financial advisor turned Cash Flow Expert — spent 30+ hours running the numbers, testing every scenario, and building the exact blueprint in this video. Inside, you'll see the real math behind combining Max ROI Infinite Banking (the specific whole life insurance strategy h...

Everyone is blaming AI for the 2026 job market slowdown — but new research from the NY Federal Reserve, Goldman Sachs, and Oxford Economics tells a very different story. In this episode, Chris Miles — Cash Flow Expert and Anti-Financial Advisor — breaks down what's ACTUALLY causing hiring to freeze across every sector, including the ones AI supposedly can't touch. If you've been worried about AI r...

Jamie Dimon just said "it's gung-ho" — and Bank of America's bear market dashboard now has 7 of 10 signals flashing red. Bert Dohmen called the correction the week before it started. Buffett is sitting on nearly $400 billion in cash. Michael Burry is warning again. The signals lining up before this market drop are the same ones we saw in 1972, 1987, 2000, and 2007 — and in this episode I walk thro...

New research from the NY Fed, Goldman Sachs, and Oxford Economics says AI is NOT the main driver of the job slowdown — so what actually is? Chris Miles breaks down the real economic forces at play, and why blaming AI is just a convenient scapegoat. If you've been worried about AI replacing your job, the data tells a very different story. In this episode, Chris unpacks why hiring has slowed across...

"Warren Buffett recently stepped down as CEO of Berkshire Hathaway — and before he left, he issued a warning that most investors are completely ignoring. In this episode, Chris Miles breaks down what Buffett actually said, why it matters right now, and what you should be doing with your money instead. Warren Buffett called it out directly: the stock market is looking more like a casino than an inv...

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 Ma...

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 a Gen Xer wondering whether retirement is even possible anymore, you're not alone. In this episode, I break down why so many Gen Xers are losing confidence in traditional retirement plans and what you can do instead to create real financial freedom....

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...

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 Fe...

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 inv...