Money Ripples Podcast

Start making passive income here: https://bit.ly/4m1vlk4 If you've ever dreamed of quitting your W2 job but feel overwhelmed by the idea of starting a business from scratch, this episode is for you. I sat down with leadership expert and business acquisition coach Doug Thorpe to explore how you can buy an existing business instead of building one from the ground up and why right now might be the perfect time to do it. Doug brings over 30 years of leadership, banking, and entrepreneurial experience to the table. He shares powerful insights about the $6 trillion opportunity unfolding as baby boomers retire and look to sell off the businesses they’ve spent decades building. These aren’t solo-preneur or “Chuck in a Truck” operations. We’re talking about real, cash-flowing companies plumbing, HVAC, electrical, roofing, painting often already managed by a seasoned team. These are the kind of businesses you can step into and scale, even if you have zero experience in that industry. We discuss the difference between owner-led and management-run businesses, and why acquiring the latter drastically reduces your risk and dramatically boosts your chances of success. Doug shares real-life stories, like his client who bought a plumbing company and doubled profits in just 18 months without ever picking up a wrench. It's not about being the technician, it’s about being the leader with vision, systems, and smart financial strategy. Doug also walks us through how he supports buyers throughout the acquisition process, including navigating SBA financing, doing due diligence, building a transition plan, and most importantly learning how to lead a company you didn’t build. We even touch on how he helps sellers increase the value of their business before listing it for sale. For those of you ready to break free from the corporate grind, or looking for a business that gives you both freedom and cash flow, this episode is a roadmap to replacing your W2 income with something bigger, better, and built to last.

Start making passive income here: https://bit.ly/4iIqRvM Are you still being told that investing in stocks is the best way to build wealth and retire comfortably? If so, you're not alone but you’re definitely not getting the full picture.  In this episode, I pull back the curtain on why I'm not investing in the stock market, how much I actually have in stocks right now (spoiler alert: it's zero), and why blindly following mainstream advice from financial advisors, money shows, or even your friends could be financially devastating. I spent years as a traditional financial advisor, and even taught others how to trade stocks and options. But over time, I realized something wasn’t adding up. Despite decades of effort and compound interest promises, most people still aren't financially free. In fact, the average retiree has a median of just $200,000 in retirement savings and that’s after 40 years of saving and investing in the stock market. That’s barely enough to live on, let alone thrive. This episode isn’t about bashing your friends or advisors, it's about challenging the system and breaking free from financial groupthink. I'm diving deep into real data, retirement account stats, market myths, and why so many savers are quietly stuck in financial mediocrity. And I'm not just talking theory I'm sharing firsthand stories from my clients who used alternative investments and passive income strategies to completely rewrite their financial futures. You’ll also hear why I believe the “screw your friends” mindset (in the best possible way) might just be the wake-up call you need to stop following the herd and start thinking independently. So, if you're questioning whether to keep your money in stocks or just feel like something isn’t adding up this episode is your call to think differently, act boldly, and start creating real financial freedom today.

Bob Burg, a bestselling author and speaker renowned for co-writing 'The Go-Giver', shares transformative insights on financial freedom. He emphasizes that true wealth comes from creating value and serving others rather than merely pursuing monetary gain. Bob recounts the challenges he faced in getting his book published, stressing resilience and mindset shifts towards abundance. The conversation also critiques crony capitalism and underscores the importance of personal contributions to society, revealing how an abundance mindset can change lives.

Start making passive income here: https://bit.ly/4jY8ggw Is now the right time to invest in multifamily real estate or is there a better strategy on the horizon? That’s the million-dollar question I’m unpacking with my longtime friend and multifamily investing expert, Lane Kawaoka. If you’ve been wondering whether apartments are still the king of passive income or if there's a new opportunity that could perform even better, this episode will give you the clarity you've been looking for. Lane and I go way back. He’s not only been a repeated guest on this show, but he’s also built an impressive career over the last 15+ years investing in multifamily real estate, syndications, and now, private equity. His latest pivot is something every serious investor should pay attention to. In this episode, we explore what’s working, what’s not, and how the investment landscape is evolving especially in light of high interest rates, tightening lending conditions, and market uncertainty. You’ll hear Lane talk about his own journey from being a 401(k) guy to controlling multimillion-dollar assets. He opens up about lessons learned from real estate cycles, how he’s now navigating the headwinds in commercial multifamily, and why private equity might be the next big wealth trend. We also dig into the economics behind syndications, the realities of DSCR (debt service coverage ratio), and why LTV (loan-to-value) is often more important than the interest rate itself. If you’re an accredited investor looking to level up, Lane introduces his concept of the Wealth Elevator, showing how your investing approach should evolve as your net worth increases. And if you’re on the first floor, wondering how to even get started, we don’t leave you behind—we break down real steps for you, too. Plus, we dive into why business ownership and private equity are gaining popularity as scalable investment vehicles. Whether it's plumbing companies, HVAC, or even financial services, Lane explains how his group is adding value in blue-collar spaces that many overlook. This episode isn’t just about theory it’s about the practical moves you can make to start or scale your passive income journey. Whether you're working your way up or looking to preserve a significant portfolio, this episode will challenge your thinking, open your eyes to hidden opportunities, and help you decide if multifamily real estate still deserves a spot in your financial strategy.

Let's chat about infinite banking: https://bit.ly/4lDK4Bw Is Velocity Banking the same as Infinite Banking? Not even close. In this episode, I, Chris Miles—cashflow expert and anti-financial advisor—break down the key differences between two often-confused wealth strategies: Velocity Banking (using home equity lines of credit) and Infinite Banking (using whole life insurance policies for tax-advantaged growth and liquidity). While both strategies involve the concept of "banking on yourself" and accelerating financial growth, they are NOT created equal—and knowing the difference could protect you from major financial setbacks. You'll learn: What Infinite Banking really is (and what it’s not) How Velocity Banking works using your home equity Why Infinite Banking gives you better long-term control, protection, and growth The hidden dangers of using HELOCs as your primary strategy The real-life example of a client who lost access to her HELOC overnight How people using Velocity Banking are now involved in lawsuits Why I used a hybrid approach—and how you can too We’re seeing a massive uptick in people using Infinite Banking right now—and for good reason. With whole life insurance, you gain: Predictable growth (up to 6%+ today) Tax-free access to your money Protection from banks, creditors, lawsuits, and the IRS And the ability to double dip by investing your money while still earning interest If you’ve been considering using either of these strategies—or if you’re wondering how to maximize your cash today—you need to listen all the way through.

Start making passive income: https://bit.ly/4lJ54a7 Get funded now: https://fundandgrow.com/moneyripples Are banks turning you down for business funding? Wondering how to actually make your business "bankable" in 2025—without maxing out your personal credit cards or falling for social media myths? In this episode of the Money Ripples podcast, I, Chris Miles, sit down with Amanda Webster—Director of Partnerships at Fund&Grow and a true expert in the world of business credit—to break down how business owners can actually get access to the money they need without sabotaging their future. Whether you're a brand new entrepreneur or an experienced business owner trying to scale, Amanda explains why traditional advice about building business credit often leads to confusion—and in some cases, legal trouble. From the truth about personal guarantees, to credit card stacking myths, to the essential banking relationships you need to be building now, we cover it all. You’ll learn: The key differences between personal credit and business credit (and why they matter) Why EINs don't automatically create business credit—and how to fix it What makes you "sexy" to banks in 2025 Why business credit cards aren't as risky as you’ve been told (if used properly) What to do in your first 1–2 years of business to become fundable Why bank relationships are EVERYTHING (and how to build them) The right time to use SBA loans, lines of credit, or vendor trade lines Why you should NEVER use your debit card for business expenses And the #1 mistake people make when searching “business credit hacks” on YouTube or TikTok Amanda even shares how Fund&Grow helps clients secure up to six figures in business credit using smart, phased approaches that align with each stage of your business. You’ll hear how their system works—and how you can get started with a FREE consultation through the link below.  

Recession proof yourself now: https://bit.ly/4443Qjw Are we already in a recession? Are tariffs pushing us closer—or just being used as a scapegoat? In this eye-opening episode of the Money Ripples Podcast, I break down what’s really going on with the U.S. economy in 2025. Yes, tariffs are making headlines, but they’re just one piece of a much larger puzzle. What’s really threatening your money and financial security? Spoiler: It’s not just China or trade policies—it’s YOU, your cash reserves, your debt, and what you're doing with your investments right now. In this solo episode, I dive deep into: What JPMorgan CEO Jamie Dimon actually said about a likely recession The real indicators of a recession that no one’s talking about (hint: consumer debt) Why government spending is masking the true state of our economy The eerie similarity between today and 1934’s Smoot-Hawley tariffs How the velocity of money—and fear—are slowing down the economy The shocking delinquency rates in auto loans and FHA mortgages Why you must stay liquid and stop trusting the stock market right now The alternatives I’m personally using: real estate, lending, and infinite banking

Your passive income dreams start now: https://bit.ly/4cw0Q1f Are you a business owner who’s tired of the hustle and grind and wondering how to grow without spending your entire life chasing leads or spending thousands on paid ads? In this episode of the Money Ripples Podcast, Chris Miles brings on Kyle Rogers, founder of ScaleSalesTeams.com, to show you exactly how to explode your business using collaborations and joint ventures—without cold DMs, shady sales tactics, or paid traffic. Kyle reveals how he grew a $2.5 million business without running a single ad—just by building authentic relationships, cross-promotions, and strategic partnerships. Whether you’re an online entrepreneur, coach, or real estate investor, these principles apply to you. We cover:  Why “giving value” in DMs can actually be the new spam How to make JV and influencer marketing work—even if you have NO audience The biggest mistakes business owners make when trying to connect with others How to use name-dropping and networking ethically to get high-level guests and clients Why authentic relationships are the fastest way to grow your reach The energetic (and spiritual) side of selling that most business owners overlook How Kyle’s setters only get paid when he gets paid—and how you can set that up too A free script to land collaborations even if you’re just starting out Kyle’s method is NOT about chasing or begging for attention. It’s about being intentional, authentic, and magnetic. It’s about using energy, connection, and aligned strategy to build a movement—not just a customer base. If you’ve been frustrated with paid ads, cold outreach, or “always having to be on,” this episode will be a game-changer. Want Kyle’s FREE collaboration script? Visit https://scalesalesteams.com (It’s all about how to connect with influencers even if you’re brand new)

Stop gambling in the market and make real passive income now. Start here: https://bit.ly/3YuXlCr Have you ever been told to "buy the dip" or keep investing through a downturn with "dollar cost averaging"? It’s the most common advice thrown around by financial advisors, but is it actually the smartest move for your money? In this episode of the Money Ripples Podcast, I (Chris Miles) reveal the truth behind this popular strategy and why it could be costing you big—especially as the markets enter a critical correction period in 2025. With over 11 years of guiding people out of financial traps and into real freedom, I’m not here to give you mainstream advice, I’m here to expose it. Because let’s be honest: If dollar cost averaging worked so well, why are so many investors still broke or stressed out every time the market dips? Here’s what we cover in today’s episode: Why the stock market is still dangerously overvalued—and what the Buffet Indicator is telling us The psychology behind “buying the dip” and why it's mostly a trap Real history: How long it actually takes for the market to recover after a crash Why dollar cost averaging is brilliant… for the banks and advisors—not you The problem with trusting AI-driven markets and emotional investing What Warren Buffett is doing differently with his $334.8 billion in cash Why I have ZERO money in the stock market—and where I invest instead What kind of assets actually create passive income and security in a recession How to prepare your cash and mindset for the opportunities ahead For decades, the financial industry has made billions convincing us to "just keep investing" no matter what. But the truth is, most people don't have time to wait for the next bull market. You need financial freedom now, not in 30 years. Whether you're nearing retirement, already retired, or just want to protect and grow your money faster, you’ll walk away from this episode with a whole new lens on investing and a clear action plan to start creating real, recession-resistant income.  

In this engaging discussion, Matthew Sullivan, founder of Quantum RE and expert in home equity investments, reveals groundbreaking strategies for accessing home equity without monthly payments. He elaborates on Home Equity Investments (HEIs), emphasizing their potential for tax advantages and flexibility compared to traditional loans. Matthew explains how homeowners can leverage their equity to pay off high-interest debts or invest in new opportunities while avoiding costly refinancing. His insights shed light on a growing asset class that enhances financial independence.