Money Ripples Podcast

Curious about what an Infinite Banking policy could do for you? Book a call now - https://bit.ly/3ZG1Xq8 More from Wealth Without Wallstreet here: https://www.wealthwithoutwallstreet.com/podcast What happens when you get three passionate infinite bankers in one virtual room? You get this powerful conversation you don’t want to miss. In this special roundtable episode, I teamed up with my good friends Russ Morgan and Joey Mure from Wealth Without Wall Street to talk all things infinite banking, financial freedom, and the real deal behind building wealth outside of Wall Street. We didn’t hold back, we shared our stories, our frustrations with how infinite banking is often taught (and misused), and the mindset shifts it takes to stop playing defense with your money and start building true freedom through passive income. We tackled everything from why I lost my first whole life policy, to the biggest lies being told about IULs and VULs, to what actually makes infinite banking work and who it’s not for. Joey opens up about how he went from earning over $300k a year in the mortgage industry and still feeling trapped, to walking away and building over $50,000 per month in passive income using infinite banking as a foundation. Russ shares how he was deep in the world of financial planning during the 2008 crash, realized the advice he was giving was broken, and completely shifted his strategy and career. We also go deep on human behavior, why having access to capital gives you control, and why mindset is just as critical as math. If you think infinite banking is just about financing cars or paying bills you’ve been misled. We break down why this isn’t a savings hack it’s a powerful strategy when combined with real, productive investments. You’ll hear us talk about: The biggest myths and misuses of infinite banking Why whole life policies beat savings accounts in the long game Our top strategies for creating passive income today The importance of investor DNA and matching the right strategies to your strengths Real stories from the land flipping business, short-term rentals, and private lending Why infinite banking isn’t for everyone (and what to watch out for) We’re not here to hype up a product we’re here to help you think differently, act intentionally, and build real freedom. This isn’t theory. These are real stories, real results, and real strategies that we use every single day.

Start making passive income here: https://bit.ly/4ecDQWa  How do you go from strict budgeting and maxing out your 401(k) to actually becoming work optional?  That’s exactly what Murry and Aimee from Minnesota did and their journey is one of my favorite transformations to highlight. These two started out in the traditional saver camp, living by the financial gospel of Dave Ramsey. But something shifted. They saw a different path. A path that led them to rethink everything they believed about money, retirement, and freedom. In this episode, you’ll hear how Murry, an optometrist, and Aimee, a school principal, went from following the "slave and save" model to taking control of their financial future using the Money Ripples strategies. Their story is not about abandoning good financial discipline it's about elevating it to align with what actually creates real passive income and freedom. We talk about the exact moment things started to change. It wasn’t during a financial seminar; it was over coffee with a friend who had quietly retired early. That sparked the question: “What are we missing?” From there, the rabbit hole opened. Murry and Aimee dove into Rich Dad Poor Dad, started watching our podcast, and eventually partnered with our team to start investing in alternative assets with confidence. But it wasn’t all smooth sailing. Aimee shares her hesitation and the real fear of taking those first steps. They talk about the mindset shift required to stop maxing out their 401(k) and instead pursue investments that create actual monthly passive income. With guidance from Craig on our team, they transitioned from skeptical to confident, watching their passive income grow and their 401(k) fade into the background. What’s most inspiring is not just what they’ve done it’s what they’re planning. Their “why” is clear: more time outdoors, with family, possibly mentoring others, and giving back to their church and community. They're not just building wealth; they're building purpose. If you're someone who’s caught in that phase of saving, grinding, and hoping it all works out at 65, this episode is your wake-up call. You don’t have to wait decades. There is a better way. Murry and Aimee's journey proves that with the right education, community, and strategy, work optional is possible even for everyday professionals who started with nothing but the saver’s mentality and a dream.

Start your Infinite Banking journey, book your call now here: https://bit.ly/4mZ7kuy  Are you wondering where to stash your cash in today's economy especially with inflation heating up, recession chatter growing, and market volatility throwing curveballs left and right?  Well, spoiler alert: it’s not the 401(k). In this episode, I’ll break down exactly why I believe infinite banking using whole life insurance is the smartest, most strategic place to store your cash in 2025 and beyond. Let’s be real: you’ve worked hard for your money. You make great income. But you’re not working just to grind forever you want time freedom. You want to become work optional. That’s what I help my clients do every day, and it starts with one foundational question: where should I store my cash to stay liquid, safe, and in control? In this episode, I share how I personally evaluate any money strategy by looking at three core criteria: speed, control, and freedom.  I walk you through how the typical savings strategies like 401(k)s, IRAs, Roth accounts, and even high-yield savings accounts stack up. And guess what? Most of them fall short in key areas like liquidity, market protection, and tax efficiency. That’s where Max ROI Infinite Banking comes in.  If you’ve never looked at this concept through the lens of cash storage, now’s the time. When set up properly, whole life insurance can act like a supercharged savings account. We’re talking liquidity in under a week, tax-free growth around 6%, protection from market volatility, and the ability to invest in passive income streams at the same time. I dive deep into why it outperforms traditional savings especially in a world where global instability (think China’s slowdown, tariffs, or interest rate changes) is the norm. I also expose why 401(k)s can actually produce a negative 100% return in real life terms if you don’t have access to your money when you need it most. You’ll learn: - Why 401(k)s and IRAs are more of a prison than a retirement plan - How inflation eats away at your high-yield savings even when you think you’re earning - Why most people lose speed and control without even realizing it - The legacy-building, lawsuit-protecting power of properly structured whole life insurance - What makes Max ROI Infinite Banking different from the traditional stuff agents pitch This episode isn’t just theoretical it’s practical. I tell you how I do it, where I park my cash, and how I stay liquid so I can jump on the next passive income opportunity without delay. If you’re sick of locking up your dollars and hoping for the best, this is your wake-up call. You can store your money smarter. You can grow it and access it. You can have peace of mind and performance. And you don’t have to wait until you’re 59½ to enjoy your wealth.

Bob Diamond, an attorney and entrepreneur, dives into the fascinating world of the overages business, where individuals reclaim funds following foreclosure sales. He explains how many former homeowners miss out on money they didn’t know was theirs, with 72% of these funds going unclaimed. Bob outlines a simple step-by-step process to start this impactful business, ideal for retirees or part-time entrepreneurs. Learn how to navigate the current foreclosure landscape, leverage AI for efficiency, and create a model that blends profit with social good.

Dr. Chris Phelps, CEO of the Cialdini Institute, dives into the fascinating world of ethical persuasion. He shares his inspiring journey from an overworked dentist to a successful entrepreneur, utilizing influence principles to gain time freedom. Topics include the critical role of rapport in sales, the immense power of social proof, and how personal connections drive business success. Listeners will learn practical strategies for building trust and effectively influencing others in both personal and professional arenas.

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.