

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 Chris Miles Money Show, 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.
If you're tired of working harder just to stay financially stuck, this podcast is your way out.
Welcome to The Chris Miles Money Show, 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.
Episodes
Mentioned books

Aug 25, 2025 • 21min
Why Chasing ‘Cheap’ Could Be Your Most Expensive Mistake?
Start making passive income here: https://bit.ly/4fHnZiW Most people make one of the biggest financial mistakes without even realizing it: they focus on price instead of value. But here’s the truth, the wealthy never ask, “What’s the cheapest?” They ask, “Where’s the greatest value?” In this episode, I pull back the curtain on a shift in mindset that can completely change your financial future. I share personal stories from hunting for the cheapest blender to investing in high-quality tools, programs, and opportunities and explain why focusing on value over price is the key to creating long-term wealth and freedom. I also dive into the hidden costs of a scarcity mindset, how small “cheap” decisions can cost you big in the long run, and why successful people make ROI-driven decisions instead of penny-pinching ones. Whether it’s your investments, your business, or even your daily purchases, this episode will challenge you to rethink how you use your money. You’ll learn: - Why the wealthy think in terms of value and ROI, not cost - How choosing cheap can actually cost you more over time - Real examples of how focusing on value has transformed my clients’ lives - Why financial freedom is more about mindset than numbers - A simple litmus test to decide when to spend and when to save This one mindset shift can change everything about your relationship with money and open the door to greater freedom, abundance, and peace of mind. Tune in, and let’s make sure your money works harder not you.

Aug 22, 2025 • 33min
Chris Naugle Reveals the One Move the Wealthy Are Making Before the Recession Hits
Want to learn more about Infinite Banking? Book a call here: https://bit.ly/3HjvqAj Infinite Banking is one of those strategies you’ve heard me talk about a lot but today we’re taking it a step further. I brought on my good friend Chris Naugle, founder of Money School and Private Money Club, to break down how Infinite Banking really works especially if you’re an active real estate investor looking to build wealth faster, protect your cash, and gain liquidity when you need it most. Chris has an incredible journey from professional snowboarder to building businesses, surviving multiple recessions, flipping 272 properties, and even hosting a national HGTV show, Risky Builders. But his biggest pivot came when he discovered how to truly become the bank and how using the Infinite Banking Concept can give you the power to control your money instead of letting the banks and Wall Street do it for you. In this episode, we dig into: - How Infinite Banking works step-by-step for real estate investors - Why liquidity is the ultimate power in a recessionary economy - How Chris created Private Money Club, a “dating site” for lenders and borrowers - Why he believes a recession is inevitable and how you can prepare today - The role of treasuries, whole life insurance, and alternative investments in building long-term wealth - Why equities may get crushed and real estate could become a safer haven Chris also shares why controlling your capital is everything when opportunity strikes, and how sitting on the sidelines strategically can put you in the driver’s seat when markets shift. If you’ve been searching for ways to recession-proof your wealth, leverage Infinite Banking, and create a financial ripple effect for your family and community, this episode is a must-listen. Chris' links: - Website: https://www.chrisnaugle.com/ - Facebook: https://www.facebook.com/TheChrisNaugle/ - LinkedIn: https://www.linkedin.com/in/thechrisnaugle/ - YouTube: https://www.youtube.com/thechrisnaugle - Instagram: https://www.instagram.com/thechrisnaugle/

Aug 20, 2025 • 27min
"What If Everything You Learned About Debt Is Wrong"
Want to make passive income? Click here: https://bit.ly/4lBLfjI You’ve probably been told your entire life that debt is evil something to avoid like the plague. But what if that very belief has been holding you back from creating the wealth and freedom you’ve been chasing? In this episode, I dig deep into the truth about debt: when it’s destructive, when it’s powerful, and how the wealthy actually use it as a tool to accelerate their financial growth. I share my personal journey of being raised with a debt-free mentality, influenced by my dad’s Depression-era habits of paying cash for everything even cars. I talk about how my early experiences with overdrafts, credit cards, and loans shaped my financial fears, and how I eventually learned that debt is not inherently good or bad, it’s neutral. What matters is how you use it as a wise steward. We’ll explore the critical difference between liabilities and actual debt, and why equity plays the biggest role in determining whether debt is a danger or a wealth multiplier. I explain why banks actually encourage you to pay off loans faster and push 15-year mortgages instead of 30-year mortgages not because it helps you, but because it helps them turn around and lend your money out at a profit. Understanding this secret reveals why the wealthy never think like savers or spenders they think like stewards who keep their money in motion. I also highlight examples of wealthy individuals and companies who intentionally use debt to their advantage. Elon Musk funds his lifestyle using debt against his stock instead of income. Apple carried billions in debt while still sitting on billions in cash because it gave them financial leverage and liquidity. Even football coach Jim Harbaugh received a $2 million bonus structured as a loan to his life insurance policy, giving him powerful financial flexibility while protecting his wealth. We’ll break down why real estate investors like Sam Primm openly embrace debt leveraging millions in loans to control even greater assets that generate cash flow and equity growth. I’ll show you why avoiding debt blindly, as Dave Ramsey preaches, is a strategy born out of trauma and scarcity, not wisdom. If you’ve ever wondered whether you should aggressively pay off your mortgage, avoid credit cards, or fear using debt in your investments this episode is for you. I’ll give you a framework to decide, based on stewardship, liquidity, and profitability, whether debt is a curse or the very thing that could help you become financially free faster. The bottom line? Don’t fear debt, but do respect it. In the right hands, it’s one of the most powerful wealth-building tools available. In the wrong hands, it’s destructive. Listen in, and I’ll teach you how to think like the wealthy, stop living in fear, and start using money in ways that create abundance, freedom, and lasting ripple effects for generations.

Aug 18, 2025 • 21min
Why Budgeting Keeps You Broke: The Smarter Wealth-Building Secret No One Tells You
Start making a passive income here: https://bit.ly/4fwKLtE If you’re a saver who budgets every penny but still feels stuck or a spender who can’t stand the thought of a budget you’re going to love this conversation. In this episode, I’m breaking down why traditional budgeting is broken, how it sabotages both savers and spenders, and what you can do instead to create real, lasting wealth. I’ll share my personal journey from growing up on tight budgets to realizing that a budget alone never produces financial freedom. Whether you’re the type who thrives on saving or the one who enjoys spending in the moment, both mindsets can keep you trapped in scarcity if you’re not careful. You’ll discover why neither extreme works and how the best wealth builders find the sweet spot in between what I call becoming a wise steward of your money. We’ll talk about the pitfalls that cause savers to feel guilt over spending and spenders to stay stuck in a lifetime hustle with no long-term security. I’ll also explain my alternative to budgeting a spending plan that puts you in control, gives every dollar a job, and frees you from the emotional baggage budgets create. You’ll learn why the first step isn’t cutting expenses but tracking your money over 6–12 months so you can make informed, sustainable adjustments. This isn’t just about numbers. It’s about using money in a way that creates freedom, impact, and joy. We’ll explore practical ways to direct your surplus toward debt payoff, savings, investments, or even blessing others while making sure your money continues to multiply. I’ll also share how tools like the Freedom Fund (my take on infinite banking) can help you make your dollars work twice, and why flexibility in your plan matters just as much as discipline. If you’ve ever felt guilty for spending or frustrated that budgeting doesn’t seem to work, this episode will help you break free from the old rules and start building wealth in a way that actually fits your life.

Aug 15, 2025 • 23min
Collapse Time, Scale Fast: The Secret to Building Wealth Without Burnout
Start making passive income here: https://bit.ly/4mdkEdT Can you actually collapse time and reach your passive income and time freedom goals faster without adding more hours or more hustle? In this episode, I sit down with Dr Nona Djavid, a former seven-figure chiropractor turned mindset mentor, speaker, and author of Elevate Your Life. She blends her background in neuroscience with deep spiritual practice to help entrepreneurs accelerate results while working less and today, she’s revealing exactly how. Nona shares her personal journey from running a full-time, high-stress chiropractic business to redesigning her life for freedom, income, and joy. She opens up about the burnout that hit after achieving traditional “success” and how it forced her to rethink everything. You’ll hear how she transitioned to running multi–seven figure businesses while working just one week a month, and why it wasn’t just strategy it was the mindset, energy, and identity shifts that made the difference. We explore her four-step process for a quantum leap, including: - Crafting a crystal-clear vision you commit to daily - Expanding your identity to align with the life you want - Embodying that future self now - Taking bold, “unreasonable” action from your desired destination, not your current situation If you’ve ever been driven by fear, scarcity, or the pressure to prove yourself, Nona’s story will resonate deeply. She reveals how she went from fear-fueled success to abundance-driven freedom, and how you can do the same whether you’re stuck in the grind or already successful but exhausted. This is a conversation for every entrepreneur, business owner, or founder who wants to create more income in less time, without sacrificing health, relationships, or purpose. You’ll learn practical ways to shorten the path to your goals and shift from struggle to “sexy money” income that flows with ease.

Aug 13, 2025 • 20min
“You’re Not Broke… But You’re Still Not Free (Even If You Followed Dave Ramsey)”
Start making passive income here: https://bit.ly/45r1HNC You’ve done everything "right" you scrimped, you saved, you paid off debt, and you packed your 401(k) for decades. But deep down… you still don’t feel financially free. Why? In this episode, I break down why financial freedom is not a number, and why savers especially disciplined ones can end up trapped in the exact system they worked so hard to follow. You’ll hear me react to a powerful call into The Ramsey Show where a man with $1.7 million saved admits he still feels afraid to spend even $4,000 on a vacation. Despite doing all the "right" things working hard, saving consistently, staying out of debt he's still trapped in a scarcity mindset. And what Dave Ramsey told him next was surprisingly good… but also reveals a deeper issue that never gets addressed in traditional financial advice. Here’s the truth: money is meant to be used, not hoarded. Saving is a tool, but stewardship is a mindset. I’m not here to shame savers I used to be one. But the problem is that most of us were taught to fear money, not to master it. That fear follows you—whether you have $100K, $1 million, or $10 million. You never feel free because you were never taught how to think like someone who is free. In this episode, I challenge the entire way we define retirement, wealth, and freedom. I offer a new path a steward's mindset where you stop living for “someday” and start asking, “What kind of impact could I make now?” I walk you through: - Why even “rich” people don’t feel free - How fear and scarcity block your ability to enjoy life - What it means to be a steward vs. a saver - How to use your money to create meaning, not just survive - Why $50K a year from $1.7M isn't enough and how to do better - The one mindset shift that creates peace around money If you’ve ever felt like you’re doing everything right, but still feel like something’s missing you’re not crazy. You’re stuck in a system that was never designed to set you free. It's time to flip the script and reclaim your financial power. Financial freedom isn’t a number. It’s a mindset. A way of being. And it’s available to you now not 30 years from now. Ready to become a true steward of your wealth? Then listen in and let’s start living life differently.

Aug 11, 2025 • 20min
"High Income, No Freedom: The Financial Trap No One Warned You About"
Start making passive income here: https://bit.ly/452F2s6 You’re earning six or even seven figures, but you still can’t walk away. Why is it that so many high-income earners doctors, business owners, dentists, professionals feel like they’re trapped on the financial treadmill? That’s the question I’m digging into today. This episode is dedicated to breaking down a painful truth: Just because you make good money doesn’t mean you’re good with money. And it definitely doesn’t mean you’re financially free. Over the years, I’ve worked with hundreds of high-income earners who are still stuck living paycheck to paycheck only their paycheck just happens to be a lot bigger. In this episode, I explain why your income-producing skillset is only one of the three key financial muscles you need. The real secret to building lasting wealth and freedom lies in mastering how to manage your money like a steward and ultimately, learning how to grow that money through smart investing that creates passive income right now, not decades from now. I’ll walk you through the differences between spenders, savers, and stewards and why even the most disciplined savers are still falling short of financial independence. I share stories from my early years in financial advising, what I learned from my high-earning (but not financially free) brother-in-law, and the shocking truth behind why so many people with big homes and luxury cars are quietly anxious about money behind closed doors. I also dive into why I believe 401(k)s and IRAs are traps for anyone who wants to retire early or achieve true work-optional freedom. The advice you’ve been given by mainstream financial media is outdated and I’m here to explain what really works. You’ll learn why investing isn’t just about knowledge it’s about connection and strategy and how my team at Money Ripples helps people build wealth faster by becoming strategic stewards of their finances. If you’re tired of hustling just to stay afloat or if you’re crushing it with income but can’t figure out how to make that money work for you this episode will give you the roadmap. I’ll even share how you can qualify for our intimate, exclusive Work Optional Mastermind in Park City this fall, where you’ll connect with other financially-minded leaders on the same journey. Financial freedom isn’t reserved for those who hit the jackpot. It’s built by those who learn the right skills. And today, I’m going to help you start building those.

Aug 8, 2025 • 35min
"How to Go From Stuck to Building Wealth in ALL Areas"
Start making passive income here: https://bit.ly/4mdtWq8 What is real wealth? Is it just about passive income and financial freedom or could it mean something deeper, more holistic, and far more fulfilling? In this powerful episode of the Money Ripples Podcast, I sit down again with my good friend and longtime wealth and wellness advocate, Krisstina Wise. Krisstina is a wealth coach, entrepreneur, and host of the Wealthy Wealthy Podcast. She shares her deeply personal story of rising from a single-wide trailer home and a background of trauma to becoming a multi-millionaire, only to hit a shocking health crisis at the peak of her career that forced her to redefine what true wealth really means. We go deep into the unseen trade-offs high-achievers often make health, relationships, peace of mind in the endless pursuit of success. Krisstina opens up about how her own journey through heavy metal poisoning, mold toxicity, and a complete nervous breakdown changed everything for her. Despite being at the top of her industry and earning over seven figures annually, her body gave out. And no amount of money could fix it overnight. This episode is not just a cautionary tale it’s an invitation to rethink wealth. We explore how money, while necessary and powerful, is just one component of a truly rich life. You’ll hear why investing in your health, your relationships, and your mindset is just as critical as investing in real estate or business. Krisstina calls this the pursuit of "wealth in all areas of life" money, body, mind, and love. We also dig into our similar upbringings in trailer parks, how environment influences identity and trajectory, and why it's so critical to change your container the people you’re around and the mindset you're immersed in if you want lasting transformation. This episode is also your exclusive behind-the-scenes preview of Krisstina's Longevity Live event in Park City this September. I’ll be one of the speakers, and we’re curating a powerful, intimate space where high-level thinkers, entrepreneurs, and investors come together to build not just wealth but a legacy of health and deep fulfillment. If you're feeling stuck, stagnant, or just want more out of life, this is your opportunity. You’ll walk away from this episode with: - A new definition of wealth that includes purpose and peace - Real-life strategies to balance wealth creation with health and relationships - The mindset shift that separates successful investors from everyone else - The power of surrounding yourself with high-level communities - And why live, in-person events like this one can accelerate your growth like nothing else Whether you’re on your journey to financial freedom or already there but craving something deeper, this episode will challenge, inspire, and equip you to step fully into real, lasting wealth.

Aug 6, 2025 • 23min
"The 401(k) Match Myth, Why Your ‘100% Return’ Isn’t What You Think"
You can start making passive income by just clicking here: https://bit.ly/3JcV2iA You’ve been told for decades that your 401k match is a “100% return.” Every financial advisor parrots it as the easiest, most brainless investment decision you’ll ever make. But what if I told you the math doesn’t actually add up? What if that so-called 100% return is really just smoke and mirrors and you could be doing far better on your own? In this episode, I break down the myth of the 401k match with real numbers. Using simple math and the power of compounding, I show you why a dollar-for-dollar match is not the golden goose you’ve been led to believe. In reality, it’s not a 100% return it’s closer to an additional 2–3% effective rate of return over the long haul. And the longer you keep your money trapped in a 401k, the worse that match looks. We dive into why 401k performance often lags behind even simple index investing, thanks to high fees and underperforming target date funds. I reference Fidelity’s 10-year track record, which shows average investors losing more than 2% annually compared to the S&P 500 before fees. Add in administrative costs and suddenly your “match” doesn’t look like much of a win at all. I also share why the rule of 72 exposes the ugly truth: the longer you keep money in a 401k, the weaker the match becomes as compounding works against you. Instead of real wealth-building, you’re left with decades of locked-up money, little control, and results that often disappoint retirees who thought they’d have millions saved. But here’s the real kicker: I show you how one client turned his 401k into a wealth-building machine by using in-service distributions. Instead of letting his money sit locked away, he pulled funds out, bought over $1 million in real estate, and created real passive income for retirement. That’s the difference between theory and financial freedom. If you’re tired of believing Wall Street’s lies, this episode will open your eyes. I’ll explain why the match is not what it seems, why your company loves it (hint: guaranteed fees), and most importantly, what you can do differently to actually create financial independence not just someday, but now. Don’t let your legacy be tied up in a tax-deferred prison. Learn how to free your money and put it to work today.

Aug 4, 2025 • 25min
The Dangerous Lie Behind "High Risk, High Return"
Start making passive income here: https://bit.ly/4mGoYlZ You've been told your whole life that if you want big returns, you’ve got to take big risks. But what if that belief is what's keeping you broke? In this episode, I go deep on one of the biggest lies we’ve been sold by the financial industry: "High risk creates high returns." I spent years as a financial advisor teaching this same line until I woke up to how wealth is really created. And here’s the truth: Wealthy people don’t gamble. They minimize risk and multiply returns. I break down why this myth is so deeply ingrained in our thinking spoiler: it comes from the very financial institutions that profit from keeping you in the dark. I show you how banks, Wall Street firms, and even your own financial advisor don't take big risks at all. In fact, they make money whether you win or lose because they make guaranteed fees. It’s your money that’s on the line, not theirs. I explain what real risk is (hint: it’s the chance of loss), and why believing that more risk equals more reward is a gambler’s mindset, not an investor’s strategy. From my own days as a stock trader to the lessons I learned in alternative investing, I reveal how smart investors think differently and how you can too. You'll also hear real-world examples from my own investing experience how I evaluate real estate deals, vet operators, analyze loan-to-value ratios, and even how to protect your investments by asking one key question: “Other than the return, why would I do this?” I also walk you through: - Why diversification is often a false sense of security - The mindset that separates real investors from wishful thinkers - How to apply the “lower risk, higher return” principle across real estate, lending, business, and more - What to look for when partnering with an investor or operator - How due diligence and character assessments protect your money - Why banks are the best risk managers and what we can learn from them Plus, I unpack what Warren Buffett, Walt Disney, and even a client-turned-CEO of an oil project all have in common: They knew how to minimize risk while maximizing control. This isn’t theory it’s practical, proven, and necessary if you want to build true financial independence and lasting generational wealth. The wealthy play a different game, and I’m here to help you join them. So stop gambling and start thinking like an investor.