Money Ripples Podcast

Start making passive income here: https://bit.ly/3Hqb4Vy  What if I told you that the secret to becoming a multimillionaire has less to do with your investments and more to do with how you live and work every day? In this episode, I break down five powerful wealth-building habits that traditional financial advisors will never teach you. These aren’t based on theory or motivational fluff these are habits backed by a long-term study that tracked over 1,500 individuals between 1960 and 1980. The goal?  To uncover the real traits of those who reached millionaire status during a time when being a millionaire actually meant you were a multimillionaire by today’s standards. Here’s the kicker: it had nothing to do with real estate, stocks, or even your investment portfolio. This study revealed that becoming wealthy is more about character and behavior than strategy. That’s right. These five habits aren’t something you’ll hear from your average advisor because they don’t fit into the conventional narrative of budgeting, mutual funds, or 401(k)s. Let’s be real. We’re not here just to hoard money. You’re here because you want your money to work harder for you, to help you buy back your time, and most importantly to create impact. I break down each trait and show you how you can implement them, no matter your net worth or where you’re starting from. From persistence and patience to embracing the "noble and petty" tasks of your work, and letting go of toxic competition we unpack the mindset that makes the difference. I’ll also show you how truly wealthy people handle investments—and why the best ones don’t make it their full-time job. If you’ve ever felt behind, frustrated, or overwhelmed by your financial goals, this episode will reset your mindset and give you clarity on how wealth is really built. It's not about having the perfect stock picks or buying the right real estate deal. It's about how you show up, and what you do consistently over time especially when no one’s watching. Listen in as I walk you through these five traits, share examples from my own business journey, and explain why true financial freedom isn’t just about passive income it’s about being free to focus on your purpose.

Start making passive income here: https://bit.ly/4dFbEe0  Stocks are slipping again. So the real question is: where should your money be going now? If you’ve been wondering whether to ride out the rollercoaster or explore something better, I’ve got an episode that will open your eyes. I sat down with Bronson Hill, a former investment advisor turned high-level real asset investor, to dig into why traditional portfolios are failing and what savvy investors are doing about it. Bronson’s story is powerful. He went from grinding it out in medical device sales to raising over $50 million in capital, escaping the rat race, and building a freedom-based lifestyle with passive income as the foundation. If you’re stuck in the “subtle slavery” of high-income, low-time freedom, this is your wake-up call. Bronson and I go deep into the three levels of financial freedom, and why it’s not enough to just replace your income you’ve got to free up your time too. We also expose the hidden dark side of Wall Street, including mutual fund fee traps that silently rob you of returns. With decades of indoctrination telling us to “invest for the long run,” we break down why real assets like oil & gas, e-commerce, and private lending are pulling ahead and why they’re designed for cash flow, not speculation. Bronson shares why cash flow is the single most important metric whether you’re just getting started or you’re already worth $500 million. He also explains how assets like oil & gas drilling, land ownership, and e-commerce businesses are delivering high cash returns while offering serious tax benefitsespecially to accredited investors. We dive into the power of networking and education how getting in the right room can accelerate your journey, and why Bronson created The Wealth Forum to bring high net worth individuals together for strategy, connections, and massive growth. This episode is more than financial insight it’s about freedom, purpose, and creating a legacy. Bronson’s ripple effect mission? Fighting human trafficking. His reason for creating wealth is deeply personal, and it’s a powerful reminder that this journey isn’t just about dollars it’s about impact. If you’ve ever wondered how to create real passive income, pivot away from risky markets, and use your wealth for something that matters, don’t miss this conversation. Bronson's links: Website: https://bronsonequity.com/home-bronson-equity/ Facebook: https://www.facebook.com/bronson.hill.37/ LinkedIn: https://www.linkedin.com/in/bronsonhill/ Podcast: https://open.spotify.com/show/7AQcShxvRMoD1U2zclQQVU 

Start making passive income here: https://bit.ly/3HeaBpv  Are you a business owner grinding hard, chasing freedom, and still feeling trapped in your own rat race? You’re not alone. In this powerful episode, I sat down with George Bryant, a decorated veteran turned seven-figure entrepreneur and marketing strategist, who shares how he broke free from external expectations to live a life fully aligned with his values. George’s story isn’t just about business success it’s about personal transformation. From battling PTSD, addiction, and burnout, to walking away from a thriving brand and disappearing for three years, George had to confront the uncomfortable truth that success without alignment isn’t success at all. In this raw and honest conversation, we unpack the steps he took to rebuild from the inside out and how you can do the same. We talk about how entrepreneurs often trade one rat race for another swapping their 9-to-5 for a 24/7 business hustle. George explains how to create freedom by design, not default. If you're constantly “too busy,” feeling like you’ve lost control of your time since 2020, or wondering how to build a business that supports your life (not the other way around), this is for you. You’ll hear how George uses environmental design (like living in Montana) to hold himself accountable to his values. We dive deep into why clarity, consistency, and values matter more than tactics, and how the first step toward freedom is always awareness. If you’ve ever wondered why the next marketing tool, AI app, or business hack hasn’t solved your time problem, this episode will challenge your thinking. George also shares the difference between beliefs and values, how COVID reshaped his business priorities, and why entrepreneurs often sabotage their freedom without realizing it. This isn’t a conversation about more hustle it’s a guide to building an intentional life where peace and profit can coexist. Connect with George Bryant Podcast: The Mind of George Instagram: @itsgeorgebryant Website: mindofgeorge.com Facebook: https://www.facebook.com/gbryant1103 

Start making passive income here: https://bit.ly/43iiO4r  If you're a Gen Xer like me, there's a growing money concern that might be creeping up on you and it's not what you think. Most people expect the biggest retirement fear to be running out of money too early. But according to a recent MarketWatch article, the top financial fear for Gen X is actually rising healthcare costs. And after living it myself and helping thousands of clients, I can tell you it’s a legitimate concern. In this episode, I dive into the real and increasing burden that healthcare presents as we move toward retirement. Whether it’s soaring insurance premiums, Medicare shortfalls, or unexpected out-of-pocket expenses, this isn't just theory. I share a personal story about how my own father’s medical costs jumped $1,000 a month just for one injection. If you think you're immune because you’ve got a plan or your employer covers you, think again. But don't worry, this episode isn't just about the problem. It's about solutions. I’ll walk you through why simply trying to save $200,000–$300,000 for medical expenses isn’t enough, and how passive income can be your greatest defense. We talk about using Health Savings Accounts (HSAs) smartly especially how you can roll over funds from an IRA tax-free. But more importantly, I show you how strategic alternative investments can create reliable income streams that cover not just medical costs but allow you to live on your own terms. And if you’re thinking you need to know everything before getting started don’t. One of our clients came to us after doing 10-20 hours of weekly research even with a financial advisor. Now, they’ve got vetted investment options, more time, and more peace of mind. You can too. Bottom line: don’t let fear about future healthcare expenses paralyze you. Learn how to build enough passive income to never worry about becoming a burden, losing benefits, or living in financial stress. This episode is your blueprint to take back control and live financially independent confidently and powerfully.

Start making passive income here: https://bit.ly/4ke5J2b What are the sexiest, most strategic assets you can invest in right now, especially in a volatile, uncertain market?  That’s the exact question I brought to legendary financial literacy pioneer and co-author of Rich Dad Poor Dad, Sharon Lechter. If you’ve ever wanted to hear directly from the woman behind one of the most influential financial books of all time, this is your moment. In this high-value episode, Sharon and I explore what it really means to diversify your wealth, not just with stocks, bonds, or mutual funds, but across real estate, commodities, businesses, intellectual property, digital assets, and more. We go beyond the superficial financial advice you hear from traditional advisors and dig deep into asset categories that actually build freedom, not just a portfolio. Sharon shares her incredible entrepreneurial journey from growing up in a small house between her dad’s used car lot and her mom’s beauty shop, to building billion-dollar brands like the Talking Children's Books and Rich Dad. We dive into her personal evolution and her commitment to helping people especially entrepreneurs, create not just income, but a legacy. We get into her framework of the “5 Gs” of investing during uncertain times: Ground (real estate), Grub (food), Gold, Guns, and Gas (energy). These timeless asset classes become even more important when markets get unpredictable. Sharon also shares how her monthly "Let's Talk Money" webinars are helping thousands stay on top of market shifts in real-time something she created because she was tired of people getting left behind by bad or outdated information. And of course, we couldn’t ignore the hot-button topic of Bitcoin and digital currencies. Sharon delivers a grounded, rational perspective on how digital assets fit into a truly diversified portfolio, especially for those who are new or uncertain about the volatility of crypto markets. But the real gem here is a mindset. Sharon offers powerful insights into overcoming scarcity, rewiring your thoughts for abundance, and the power of being a steward not just of your money, but your mission. This episode is about more than investing, it’s about how you think, who you trust, and the legacy you’re building. So if you're wondering where to put your money today, and more importantly, how to do it with confidence, clarity, and conviction, this episode is your playbook. Listen in as Sharon helps you evolve from financial survival to financial stewardship and legacy creation.

Start making passive income here: https://bit.ly/4kaX4O1  If you've been wondering what the best investment is in today’s market especially in a world of uncertainty, market volatility, and failed syndications this episode is for you. I sat down with Heather Dreves, Director at Central Lending, to talk about one of the most underutilized (yet powerful) wealth-building strategies out there: investing in debt. We’re not talking about going into debt. We’re talking about investing like the bank backed by collateral, with predictable monthly returns, and with far less exposure to the kind of turbulence that equity investors have faced over the last few years. Heather brings nearly two decades of experience and has helped manage over $300 million in this space. She breaks down the exact mechanics of how debt investments work, why they’re outperforming many traditional vehicles right now, and how investors (including those who aren’t accredited) can get started with either individual notes or a debt fund. We also go deep into: - Why debt investors get paid first (and what that means during a downturn) - How private lending differs from banks and why it’s more secure for investors - What “first lien position” really means for your money - What happens when a borrower stops paying (hint: you still win) - Why loan-to-value (LTV) matters more than interest rate - The difference between passive investors in debt funds and hands-on promissory note buyers - How Central Lending is underwriting deals more conservatively than institutional lenders This episode is perfect for you if: - You’ve experienced losses in syndications or real estate deals and want a safer alternative - You’re sitting on capital from the sale of a business or practice and want stable cashflow - You’re looking for double-digit returns backed by real assets - You’re just tired of the Wall Street rollercoaster and want predictability Whether you’re an accredited investor with $100K to place, or you’re just starting with $40–50K and want to learn the ropes of individual notes, Heather breaks it all down with clarity, transparency, and integrity. This is the kind of conversation that will shift your entire mindset about investing. 🎧 Listen now and learn why debt investing might be the smartest place to put your money right now. Heather's Links: - LinkedIn: https://www.linkedin.com/in/heather-dreves/  - Facebook: https://www.facebook.com/share/1EtWiEi6pk/?mibextid=wwXIfr 

Curious about what an Infinite Banking policy could do for you? Book a call now - https://moneyripples.com/infinite-banking/  More and more insurance agents are pitching Indexed Universal Life (IUL) policies as a way to do Infinite Banking. Let me be blunt that’s absolutely false. I’m Chris Miles, and I’ve been in this industry long enough to know that this isn’t just a misunderstanding. It’s a dangerous lie that could cost you thousands, even millions, if you’re not careful. In this episode, I’m pulling back the curtain on the truth behind IULs, explaining how they’re being misrepresented, and why they’re fundamentally incompatible with the Infinite Banking Concept (IBC). I’ll walk you through what Infinite Banking actually is it’s a strategy, not a product and why whole life insurance is the only product that’s truly designed to execute that strategy safely, predictably, and effectively. You’ll hear me dissect a real-life example shared on Instagram by a well-meaning agent who got the messaging wrong. I’ll show you line by line where her projections are flawed, misleading, or legally questionable. From inflated return assumptions and glossing over surrender values to making risky guarantees about lifelong tax-free income this is the kind of misinformation I’m committed to clearing up. I’ll compare side-by-side numbers from that IUL illustration with an actual whole life policy I personally structured for a client. And guess what? Whole life not only performs better, it’s also more accessible, stable, and versatile especially when it comes to liquidity and cash flow. This episode is your masterclass in: Understanding how surrender fees restrict access to your own money in IULs Why rising insurance costs in IULs can eat away at your retirement income The legal risks of using phrases like “you cannot outlive this income” How IUL caps and floors are manipulated over time Why banks prefer whole life over IULs for collateral How real infinite banking strategies use life insurance to create wealth velocity, not speculation If you’re thinking about using life insurance to build wealth, create passive income, or store liquid cash safely this is the episode you need. IUL might sound sexy, but at the end of the day, whole life insurance offers safer, stronger, and more reliable outcomes for smart investors. And here’s the bottom line: Infinite Banking isn’t about chasing returns it’s about creating predictable, liquid, tax-free financial leverage you can access when you need it most. IULs simply don’t deliver on that promise. If you’ve been pitched an IUL and you’re not sure what to think, send it to me at MoneyRipples.com. I’ll review it honestly. I’ve even told people to keep an IUL before but that’s the exception, not the rule. Don’t gamble with your financial freedom.

Ana Kelley, a seasoned investor and founder of REI Mom, shares invaluable insights into navigating the current economic landscape. She questions if we’re in an everything bubble and advises strategies for evaluating real estate investments in today’s market. Ana emphasizes the importance of aligning cap rates with Treasury yields and highlights the risks of outdated models. Listeners will learn about the stages of an investor’s journey and discover how to invest for resilience rather than just yield, especially in volatile environments.

Start making passive income here: https://bit.ly/4du9A8K  What do you do when the economy feels like it’s spinning off its axis?  Should you stay in the stock market?  Is real estate still worth the risk? Or is now the time to sit on the sidelines?  In this episode, I bring on a powerhouse guest, Anna Kelley, to help cut through the noise and offer grounded, data-driven insights that every serious investor needs to hear. Anna isn’t just another talking head—she’s a Wall Street veteran, New York Times bestselling author, and a real estate mogul with a portfolio of over $400 million. She has firsthand experience navigating economic storms like the Great Financial Crisis, and she shares her perspective on where we are today and where we’re likely heading. Together, we take a deep dive into: Why the 4% rule is outdated and could wreck your retirement How inflation, tariffs, and government spending distort market signals The truth behind today’s recession indicators and why most of the public is being misled Why Anna is strongly anti-stock market right now and where she’s putting her money instead The importance of leading economic indicators (LEIs), not headlines, in predicting real shifts How commercial real estate and long-term rentals are holding up—and what the future may hold We also uncover how the media, social algorithms, and surface-level financial advice are leading many investors astray. Anna shares her approach to filtering out the noise, what economic indicators she follows (like the yield curve, Sahm rule, and Conference Board LEIs), and how she determines real risk-adjusted returns. This episode is not about fear it’s about clarity. It’s about knowing where the economy is really heading and how you can position yourself to thrive, not just survive. Whether you’ve taken a hit in real estate recently or you’re frozen in decision-making limbo, this conversation will help you move forward with purpose. Real wealth isn't about hype it’s about strategy. If you're seeking to create passive income with confidence and precision, this episode will help you reset your expectations, reframe your mindset, and realign your investment strategy. Anna's link: - Website: https://annakelleyinvesting.com/  - LinkedIn: https://www.linkedin.com/in/anna-kelley-reimom/  - Facebook: https://www.facebook.com/annakelleyreimom/ 

Start making passive income here: https://bit.ly/4meLlzf  Are you being misled about your investment returns? In this episode, I break down one of the biggest myths in traditional financial planning the difference between average returns and actual returns and why this gap matters more than most people realize. Financial advisors, media pundits, even names like Dave Ramsey have been preaching 10–12% returns for decades, but what does the data actually say? I walk through historical numbers from the S&P 500, show you why average returns are mathematically deceiving, and explain how this confusion can derail your retirement plan. You'll hear how I learned this firsthand as a former financial advisor and why I walked away from the industry. I also share what I’ve seen work instead: real strategies based on cash flow, passive income, and tangible assets like real estate and lending. If you're tired of feeling like the numbers don't add up and you're ready for real clarity, this episode is for you.