Money Ripples Podcast

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.

Start making passive income here: https://bit.ly/43mcUOE  Have you ever questioned whether the traditional retirement route stock markets, 401(k)s, and “set it and forget it” advice is really going to get you the life you want?  I sat down with Roberto Manzueta, a mechanical engineer of 20 years and one of our newest clients, to talk about his real-world journey of breaking free from that outdated financial mindset and taking control of his future through alternative investments. In this episode, you’ll hear Roberto’s authentic transformation from relying solely on W2 income and retirement accounts to generating real, consistent passive income. His story might sound familiar. Like many high-income professionals, Roberto was doing everything “right” but realized that even with diligent saving and investing, he wasn’t on track to retire with the lifestyle he wanted. Once he began running the numbers, he saw that something had to change. You’ll learn how Roberto explored real estate investing and why, even after pursuing deals on his own, he found the experience with Money Ripples significantly more efficient, less risky, and aligned with his time-starved lifestyle. He shares how he connected with vetted operators, bought his first turnkey property, and began earning double-digit returns all within a few months of joining our community. But this episode isn’t just about money. It’s about mindset. We talk about overcoming analysis paralysis (especially if you're an engineer like Roberto), learning to invest with confidence, and building your own team of experienced mentors. You’ll hear how important education and taking calculated action became pillars in Roberto’s journey and how this allowed him to build momentum toward hitting his goal of financial independence by age 58. If you’re wondering whether there’s really another way to do this and if it's possible to build wealth and freedom while still working your day job this is the episode for you. Roberto is living proof that with the right connections, education, and courage to act, it’s absolutely possible.

Start making passive income here: https://bit.ly/3YKI1ls  Let’s be real, cashflow is king. But how do you create consistent, growing cashflow from your business, especially if you're just getting started or trying to scale?  Today, I sat down with Leo Kanell, founder of Seven Figures Funding and host of the Seven Figures Club Podcast, to get straight answers on how business owners can tap into real money, build sustainable cashflow, and finally get the freedom they’ve been working so hard to achieve. Leo knows the game because he’s played it, he’s built, lost, and rebuilt businesses through good times and the recession. He shares how the 2008 financial crisis crushed his early ventures, how he bounced back by investing in his own education, and how he discovered the formula to unlock capital for thousands of entrepreneurs. In this episode, we break down the mechanics of getting funding, from credit card stacking to business lines of credit, and the critical differences between good debt and bad debt. We talk about the ROL (Return on Loan) principle, the dangers of under-capitalizing a proven idea, and how too many entrepreneurs sabotage themselves by mismanaging cashflow and personal credit. We also hit the hard truths: banks are quietly becoming more restrictive again. I share a recent conversation I had with PNC Bank about tightening lending criteria, and Leo explains how their fintech solution fills that gap with real-time, soft-pull credit pre-approvals. The game has changed, and this episode gives you the roadmap to adapt and win. Whether you're a seasoned business owner or just thinking about starting your first venture, this episode is a must-listen. We even talk about using financing for franchises and existing businesses, and Leo drops a ton of wisdom about stewarding capital, building a ripple effect, and knowing when it’s time to leverage debt to grow. And for those who say, “I’m afraid to take on debt,” Leo flips the narrative. If your business has proof of concept and you're generating ROI, it might be riskier not to take that loan. Tune in now to learn how to turn capital into freedom, manage your finances like a CEO, and finally fund the vision you’ve been dreaming about. Leo's links: LinkedIn: https://www.linkedin.com/in/leokanell/ Website: https://linktr.ee/7figurefunding TikTok: https://www.tiktok.com/@gofigurepodcast Facebook: https://www.facebook.com/7figuresclub1 

Start making passive income here: https://bit.ly/4jORCQN In this episode, I break down the three-step strategy I’ve used for years: Get Lean, Get Liquid, Get Out. I’ll show you how to cut financial fat, build a solid liquidity base, and move your money into recession-resistant investments that work even when the economy doesn’t. I’ll walk you through where I’m storing my cash, how infinite banking compares to traditional banks, and why real estate especially the right kind is still one of the most powerful ways to build wealth and create passive income. Plus, I cover alternatives like private lending, self-storage, and hard assets like land and gold. This isn’t the time to freeze in fear it’s the time to move smart. I’ll help you do just that. Let's chat about Infinite Banking: https://moneyripples.com/infinite-banking/ 

Start making passive income here: https://bit.ly/450w9j2 Is it actually possible to get rich quick especially in real estate? Most people (myself included) have scoffed at the idea, labeling it a scam or at best, a fantasy. But in today’s episode, my guest Shiloh Lundahl lays out a real-world case study that proves it's not only possible, but also repeatable if you're willing to do it the right way. Shiloh is a licensed therapist by day and a savvy real estate investor by night, having built a portfolio of over 250 properties (many in Costa Rica) and created over $8 million in equity within a matter of years. He didn’t win the lottery or hit a crypto jackpot he built a strategic, disciplined real estate business from scratch while maintaining his therapy practice. Today, he’s here to share how you can do the same. We explore what "rich" and "quick" really mean. Is becoming a millionaire within five years fast? Absolutely. But it’s not magic it’s math, consistency, and smart decision-making. Shiloh breaks down his journey from funding his first flip with a home equity line to scaling a company using lease options, the BRRRR method, and carefully developed systems. He emphasizes the importance of paying yourself first, living below your means, and discipline even after your first big deal. This episode is packed with practical advice for anyone starting out with little capital. We dive into how to set up a separate "freedom account," automate your deal flow with wholesaler lists, and evaluate real estate investments in just minutes a day. If you're overwhelmed by where to start, you’ll find this episode refreshingly actionable. And the ripple effect? Shiloh doesn’t just build wealth for himself. He’s using that wealth to empower families in Costa Rica people who impacted him during his missionary service decades ago. That’s the heart of this show: creating freedom so you can bless others. If you're tired of slow-and-steady advice that doesn’t apply to your ambition, this is the episode that will shift your mindset and challenge your current approach to wealth. It’s not about hype it’s about process. Shiloh's link: - Website: https://meetshiloh.com/ - LinkedIn: https://www.linkedin.com/in/shiloh-lundahl-ab211124/ -  Facebook: https://www.facebook.com/Blueequitiesrealestateinvestments/ - YT channel: https://www.youtube.com/channel/UC4iFd8KeuyISzS9mGPGu66Q - IG: https://www.instagram.com/shilohlundahl?igsh=N280dWNsbmticDdx 

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. Doug's links: - Website: https://dougthorpe.com/  - LinkedIn: https://www.linkedin.com/in/dougthorpe/  - YouTube: https://www.youtube.com/@dougthorpe   - X: https://x.com/dougthorpe_com  - Pinterest: https://www.pinterest.com/dougthorpe_com/ 

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. Lane’s links: - Website: https://thewealthelevator.com/home/about-lane/  - Youtube: https://www.youtube.com/@TheWealthElevator  - LinkedIn: https://www.linkedin.com/company/thewealthelevator/  - X: https://x.com/Wealth_Elevator 

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.