Money Ripples Podcast

This is the tool to change your financial future. Try our calculator now: https://bit.ly/4fkcbS9 Do you consider yourself a conservative, safe investor? What's the safest way to save and grow your money while minimizing risk? In this episode, I dig into how you can truly protect your hard-earned cash and maximize returns without taking unnecessary risks. I share the biggest mindset shift you need to reject: high risk does NOT create high returns. Instead, I show you how to manage risk, analyze opportunities, and surround yourself with the right people and strategies to create wealth safely and securely. You’ll hear how I personally evaluate investments, reduce risks in real estate deals, and vet operators I trust with my passive investments. Plus, I’ll share the single most important resource for reducing risk: a community of trusted advisors and counselors who’ve been there, done that, and are still succeeding today. If you’re tired of chasing returns and losing money, this episode will show you how to find confidence, safety, and success in your investments. 00:00 Are you a conservative investor? 02:00 Why "high risk = high returns" is a lie 04:10 How to safely invest in real estate 06:30 Key steps to minimize risk on deals 08:50 Vetting operators: Integrity matters most 12:00 The power of trusted advisors and counselors 18:00 Building a community for safer investments 21:00 Why diverse perspectives reduce your risks 24:00 How I stay updated on smart investments  

Try our passive income calcualtor: https://bit.ly/3B1xcCZ   In this episode, I bring back an incredible guest, Damion Lupo, to discuss EQRP (Enhanced Qualified Retirement Plan) and how it can transform your financial future. Damion shares his story of building and losing millions, only to rise stronger and more focused on creating tools to empower others to achieve true financial freedom. We break down what makes EQRP different from traditional retirement accounts and self-directed IRAs. From avoiding the dreaded UBIT tax to gaining the ability to invest in real estate, gold, crypto, and more, this tool puts you in full control of your financial destiny. Damion also dives into the incredible success of his latest venture, Frame Tech, and the lessons he's learned from building over 70 businesses. His insights on financial freedom, leveraging EQRP, and investing in big solutions will inspire you to think bigger and take ownership of your future. Damion's links: Instagram: https://www.instagram.com/damion.lupo/ LinkedIn: https://www.linkedin.com/in/damionlupo/ Podcast: https://podcasts.apple.com/us/podcast/financial-underdogs/id1479616768 Facebook: https://www.facebook.com/damionlupoofficial/

Passive income creates freedom. START HERE: https://bit.ly/3Oo1QJB In this episode, I dive into the debate: stocks versus real estate. Both have their advantages, but which one truly delivers the best long-term returns and cash flow? I break down a video analysis comparing stock market performance to real estate returns and share my expert insights, personal experiences, and examples from my clients. From tax benefits to market risks, income potential, and the challenges of each, I’ll explain why I believe real estate often comes out on top—not just for returns but for reliable, predictable cash flow. I also share real-life examples of properties that outperformed the stock market while delivering passive income for me and my clients. If you’ve ever wondered how to make your investments work smarter, this episode will challenge your perspective and help you make informed decisions.

Try our calculator: https://bit.ly/3UVfUxW In this episode of The Money Ripples Podcast, I sit down with Dalton Locke, co-founder of MIT 45, host of The Spiritual Capitalist podcast, and a pioneer in blending capitalism with spiritual principles. Dalton shares his transformative journey from trauma-driven success to creating businesses that align with values, purpose, and impact. We dive into how addressing personal traumas can lead to healthier success, why men often suffer in silence, and how rebuilding community is crucial in today’s disconnected world. Dalton also explains what spiritual capitalism means to him—using business as a tool for service, not just profit—and the ripple effect of aligning vision, purpose, and action. Discover how to break free from fear-driven motivation, align your personal mission with your business, and create a life of greater meaning and abundance. Whether you’re an entrepreneur, investor, or someone seeking fulfillment, this episode will challenge and inspire you. #capitalism #entrepernuer  Dalton Links: Website: https://mit45.com/ Linkedin: https://www.linkedin.com/in/daltonl/ Podcast: https://podcasts.apple.com/us/podcast/spiritual-capitalist/id1756153008 Instagram: https://www.instagram.com/daltonlocke_/profilecard/?igsh=MWlraG1pMnAzMXU2cw== Facebook: https://www.facebook.com/Lockedinsuccess/?_rdr

Want to learn the way to invest in debt and make passive income? Click here: https://bit.ly/40Jts3r In today’s episode, I dive into a question that may seem a bit counterintuitive: could debt actually be safer than equity? When it comes to real estate, we’re often taught to pursue ownership and build equity, but what if taking a debt position – being the lender instead of the owner – offers more security? I share how banks view debt as a low-risk investment by ensuring they’re first in line to be repaid, a concept known as "priority in the capital stack." As I’ve seen in my experience, lenders often get paid before equity investors, particularly in challenging economic times. I cover how debt positions can yield stable returns with less risk compared to traditional equity investments, especially in uncertain markets. 00:00 – Is debt safer than equity? 01:05 – Welcome to Money Ripples 02:20 – Equity versus debt in investing 04:00 – Banks’ preference for debt 05:45 – Equity mindset versus debt 07:30 – Debt's position in capital stack 09:15 – Understanding senior and mezzanine debt 11:00 – Risks in equity investments 13:20 – Why banks prioritize debt 15:10 – Real estate market downturns 17:00 – Choosing debt over equity 19:30 – Example of debt priority 21:00 – Common pitfalls in equity 23:15 – Benefits of private lending 25:00 – First position in lending 27:05 – High equity as bank temptation 29:10 – Debt in rental properties 31:00 – Wrapping up and key takeaways #gooddebt

Recession proof your cash with passive income. Start here: https://bit.ly/4fmsPRV In this episode, I sit down with economic strategist Frances Stacey to dive into the current state of the economy and where things might be headed.  Frances shares her thoughts on the Fed's policies, the yield curve, and whether we’re looking at a possible economic downturn. Together, we explore if liquidity and government spending can keep delaying a recession, or if underlying debt cycles will eventually catch up with us. I also open up about my own experiences with making economic predictions and the challenges of reading market trends in today’s volatile landscape. Frances provides her educated perspectives on staying prepared, including key diversification strategies and the importance of interpreting technical market data beyond the usual media headlines.  Join us to hear Frances’s insights on managing wealth during uncertain times, and her personal mission to address the growing wealth gap. Don’t miss this deep dive into the economic realities shaping our future and how you can be better prepared to navigate them.  

Want to see if you qualify to be a client of ours. START HERE: https://bit.ly/4ftoSuz In this episode, Chris Miles welcomes back Coach Craig Feld to discuss the benefits of joining a community of like-minded individuals on the path to financial freedom. Chris and Craig dive into the highlights of the recent Money Ripples Mastermind, discussing the powerful impact of learning from peers, facing financial fears, and celebrating wins together. They emphasize the importance of building a network for shared learning and mutual encouragement. Key Takeaways: Surrounding yourself with a community of people who have similar financial goals can accelerate your journey to financial freedom. Financial freedom isn’t just about how much you make; it’s about how much you keep and grow. There is value in connecting with others who are open about financial struggles and learning from their challenges. The Money Ripples community offers a supportive environment where people can ask questions, celebrate victories, and seek guidance from those further along in the journey.  

Try our passive income calculator: https://bit.ly/4fy7Paq In this episode, I bring back John Briggs, founder of Incite Tax and author of The 3.3 Rule, to discuss how you can maximize productivity while working less. We dive into the science behind work cycles, how intentional breaks can boost your output, and how this productivity method is helping business owners and accountants avoid burnout. Plus, we’ll explore strategies for keeping more of what you earn by working with a proactive accountant. Here’s What We Cover: Why the government isn’t great at spending your money—and why John’s goal is to help you keep more of it The origins of the 40-hour workweek and why it might be time to rethink it How the 3.3 Rule helps you maximize productivity with focused work blocks and intentional breaks How having a proactive accountant can save you significant money in taxes The importance of a “partner relationship” with your accountant Tips for business owners and entrepreneurs to balance productivity and taxes Adopting a productivity model like the 3.3 Rule can transform your workday efficiency while working with a proactive accountant can maximize your tax savings and overall wealth. John Briggs links: Book: https://33rulebook.com/ LinkedIn: https://www.linkedin.com/in/johnbriggscpa/ Instagram: https://www.instagram.com/incitetax/profilecard/?igsh=YzJ6cWFhMWRoeWJu Website: https://incitetax.com/ Youtube: https://www.youtube.com/incitetax Facebook: https://www.facebook.com/incitetax

Retire earlier! Start with this calculator: https://bit.ly/48C5n0k Are you tired of hearing that retirement has to wait until you’re 65 or older? In this episode, I break down why the traditional retirement approach isn’t serving most people and what you can do to create financial freedom on your own terms—sooner than you think. From why Social Security and the 4% rule may not be enough to how alternative investments like real estate can accelerate your financial goals, we’re tackling it all. Here’s what I cover in this episode: Why so many Americans are worried about running out of money in retirement Why relying on the “traditional” retirement path can leave you working longer than planned The outdated strategies financial “experts” are still pushing How alternative investments, including real estate, can unlock financial independence faster Stop waiting and retire earlier with passive income!   

Unlock your passive income potential: https://bit.ly/4hD4OY3 What Is Preventing Business Owners from Growth? // Chris Miles In this episode, I sit down with Staci Gray, founder of Organized to Scale, to dive into how business owners and investors can scale their ventures without giving up their freedom, joy, or well-being. Stacy shares her three-step approach – Architect, Build, and Operate – which helps entrepreneurs create systems that support both business growth and personal satisfaction. Here's what we cover: The importance of organizing and scaling ourselves before scaling a business. How to architect a business to align with your personal values and goals. Defining what’s “enough” and how to avoid the trap of endless achievement. Recognizing and addressing control issues to build trust and delegate effectively. Finding fulfillment by serving others and creating a positive impact. Practical steps for normalizing the entrepreneurial journey and embracing personal growth. Stacy also shares tools and resources to help you grow both personally and professionally. Whether you’re scaling a business or creating passive income, this episode is packed with insights on finding joy, purpose, and balance. Connect with Staci Gray: Website: https://organizetoscale.com/ Email: scale@organizedtoscale.com Facebook: https://www.facebook.com/official.staci.gray Instagram: https://www.instagram.com/staci_gray/profilecard/?igsh=enV5MWFvbXJjZWd1 Linkedin: http://linkedin.com/in/stacigray