The Infinite Banking Hack Missed By Most Including Experts

Book a MAX ROI Infinite Banking strategy session now: https://bit.ly/4lGyIf9  Do you have cash just sitting on the sidelines, earning next to nothing and you’re not sure where to put it?  What if I told you there's a powerful, little-known infinite banking strategy that could pay you guaranteed 5.5% interest while also funding your life insurance premiums automatically? And no, this isn’t about real estate or a standard high-yield savings account. It’s something that even most infinite banking agents don’t know about or explain clearly. I’m sharing that premium deposit fund hack with you in this episode. I hear it all the time from listeners and clients: “Chris, I’ve got money sitting in savings. I’m not ready to invest all of it just yet, but I still want it to earn more. What can I do?” Many agents would love for you to just dump a large sum into a life insurance policy but what they’re not telling you is that can cost you tens of thousands of dollars in fees right off the bat. I break down why that’s a terrible move for most people—and what you should do instead. Using a real-world client example, I walk you through how someone with $185,000 in cash was able to put that money to work earning guaranteed interest, keep full liquidity for emergencies, and still fund their max-ROI whole life policy over time without having to worry about annual premium payments. You’ll learn: - Why large upfront policy funding creates unnecessary costs - How the Premium Deposit Fund (PDF) works like a tax-efficient CD - How to earn over $25,000 in guaranteed interest while keeping access to your funds - Why this strategy reduces your life insurance policy fees dramatically - How you can still pull money out for emergencies while protecting your long-term plan - The powerful combo of tax-free growth, death benefit, and cash accessibility I even pull up real-life numbers to show exactly how much you keep, how much you lose in fees depending on your method, and why this PDF strategy could be one of the best places to stash idle cash especially if you’re preparing for future policy premiums or want a rock-solid safety net for your family. Whether you’re brand new to infinite banking or already have a few policies in place, this is a financial optimization strategy worth understanding. If you’ve got cash sitting around that you’re not using immediately and you want to preserve it, grow it, and gain flexibility this episode is for you. Want to go deeper? Head over to https://moneyripples.com/infinite-banking/ and check out our Infinite Banking resources or book a call to see what this would look like for you personally.

Start making passive income here: https://bit.ly/3Tllvwr  Have you ever wondered why some people seem to have the Midas touch with money, while others feel like they’re always stuck no matter how much they earn?  In this episode, I dive deep into the mindset and emotional patterns that dictate our financial success with special guest Gino Barbaro, a multifamily investor with nearly 2,000 doors and $450 million in assets. Gino shares powerful stories from his childhood stories of scarcity, money trauma, and family habits that shaped his relationship with money. We unpack how these early money scripts hold us back even when we’re making good money as adults. We’re not just talking theory here: Gino and I give real-life examples of how subconscious beliefs about money sabotage relationships, create unnecessary stress, and prevent us from building wealth.  We talk about how growing up in a family where money was either scarce, hoarded, or never discussed can create limiting patterns you might not even realize are running your financial life today. I share my own money story how my dad’s penny-pinching habits and scarcity mindset affected my career, relationships, and self-worth. We also explore how these generational stories can lead to conflict in marriages, especially if one partner is a spender and the other a saver. Gino explains why it’s critical for couples to sit down, share their personal money stories without judgment, and learn each other’s money archetypes. This is where true financial harmony starts. Gino also shares details about the Money Coaching Institute and how understanding your money persona is the missing key to unlocking lasting wealth. We discuss why success isn’t just about financial strategy it’s about mindset, communication, and healing your relationship with money. We dive into how trauma from childhood like seeing parents fight about bills, going without basic needs, or even experiencing a parent take money from you—creates unconscious scripts that keep you stuck. We close with a conversation about Gino’s ripple effect: helping families break free from generational money patterns so they can build not just wealth, but a legacy of financial wellness and emotional freedom for their kids and grandkids.  This episode will challenge you to look deeper than your budget or investment returns and ask: what are the stories I’m carrying about money, and are they serving me? If you’re ready to truly transform your finances by healing your relationship with money, you can’t miss this episode. Gino's links: - LinkedIn: https://www.linkedin.com/in/gino-barbaro-03973b4b/ - Website: https://barbaro360.com/ - Podcast: https://jakeandgino.com/podcast/

Start making passive income here: https://bit.ly/4lumbeQ  Have you ever wondered if a podcast could do more than just share your thoughts could it actually help you grow your business, find your ideal clients, and build powerful relationships?  In today’s episode, I sit down with podcasting and real estate expert Dave Dubeau, who has helped investors raise over $325 million and has been leveraging podcasts to connect directly with his perfect clients. Dave’s journey isn’t just theory he shares how he went from struggling to generate leads with paid ads and live events to discovering the magic of podcasting for direct outreach. He explains the turning point when he realized that instead of chasing after big names or building an anonymous audience, he could use his podcast to interview his ideal prospects, provide them massive value, and start authentic relationships that convert into business. In this episode, you’ll hear why it’s smarter to skip to the front of the line and position your podcast as a tool for growth, not just an ego platform. Dave reveals his strategy for booking 10–12 interviews a week with his perfect clients, what questions to ask during the interview, and how to transition conversations into valuable business discussions. We also unpack his philosophy of leading with the giving hand focusing on helping guests shine first so they naturally want to learn how you can help them further. Plus, we dive into the biggest lessons Dave has learned in his decades in real estate from his start with creative deals and lease options to recognizing he’s happier as a passive investor.  He shares insights on what to look for in operators, why communication matters more than projections, and how betting on the jockey (the person running the deal) is always more important than the horse (the deal itself). For those thinking podcasting is only for influencers chasing downloads, Dave makes a compelling case for a micro-targeted podcasting strategy that works whether you’re a capital raiser, business owner, or anyone selling a high-ticket product or service. He even talks about his book, 20 Accredited Investors, which lays out a step-by-step blueprint for using podcasts as a powerful client attraction system. If you’re ready to grow your business by building real, valuable connections whether you’re in real estate or any other industry this episode will open your eyes to what’s possible.  And of course, we couldn’t end the conversation without exploring how creating value for others ripples outward, helping clients, their families, and entire communities.  Listen in, and learn how to create your own ripple effect through podcasting. Dave's Links: LinkedIn: https://www.linkedin.com/in/davedubeau/?originalSubdomain=ca Book: https://20accreditedinvestorsbook.com/ Website: https://daveinterviewsyou.com/  Facebook: https://www.facebook.com/moneypartnerformula/ 

Start making passive income here: https://bit.ly/3GlPT6W  Have you ever stopped to wonder whether your financial advisor is really helping you achieve financial freedom or just collecting fees while keeping you stuck on the hamster wheel?  In this episode, I expose what’s really going on behind the curtain of the financial advising industry, speaking from my firsthand experience as a former financial advisor who woke up to the reality that traditional financial planning just doesn’t work for most Americans. I’m Chris Miles, your cashflow expert and anti-financial advisor, and I’ve been blessed to coach thousands of people into financial freedom. But my journey started with the realization that nearly every advisor including myself in my early years was selling products that benefited big financial institutions more than the client. Today, I’m pulling back the curtain on what your advisor may not want you to know. You’ll learn: The shocking statistic that 80% of people like their advisor but still fire them every 3-5 years, and why that happens. How I discovered, sitting across from my dad at age 61, that following traditional advice left him destined to run out of money in a few years even after decades of doing everything "right." The crucial questions you must ask any advisor before trusting them with your financial future, including whether they’re financially free themselves. Why many advisors repeat the same advice they learned decades ago even when it’s outdated or flat-out wrong and how that impacts your wealth. How the phrase “high risk creates high returns” is one of the biggest lies in finance, and what you should really look for in your investments. The importance of working with advisors who are independently brokered, cashflow-focused, and backed by a team of experts, not just trying to sell you something. My personal answers to these 7 critical questions so you can see exactly how my team at Money Ripples is different from typical advisors. I also share stories of clients with high net worths who still felt broke because they were asset-rich but cashflow-poor, and how we reversed that by focusing on passive income today not just someday. If you’re tired of the traditional “set it and forget it” advice, this episode will give you the tools and confidence to ask the right questions, avoid the common traps, and reclaim control over your financial future.

Start making passive income here: https://bit.ly/3Ihbyh1  How many times have you heard the saying, “Your network is your net worth”? In this episode, I sat down with Bill Barnett, a man whose extraordinary career proves that your network can open doors you never imagined possible. Bill’s story takes us from a life-changing train ride with the president of Leo Burnett the largest ad agency at the time to building successful companies in radio, education technology, and veteran entrepreneurship, all fueled by the power of relationships. We explore how Bill turned an unexpected conversation into a pivot that launched him into the world of radio, eventually leading to the creation of Radio Oz and the precursor to Radio Disney. You’ll hear how he leveraged his network to build Live, an innovative college interview platform that he sold to ETS, and later channeled his skills into helping veterans and military spouses through The Rosie Network. But this episode isn’t just about Bill’s incredible journey.  We dive into practical, actionable advice you can use right now to grow your own net worth through networking. Bill shares how to build a “personal board of directors,” why becoming likable is the most underrated skill in business, and why focusing on helping others with no strings attached creates opportunities you could never plan for. Whether you’re an introvert wondering how to connect meaningfully, or a seasoned entrepreneur looking to level up your relationships, this episode delivers the insights you need. We talk about real-world examples of how Bill’s network brought him multiple lucrative exits including investments he didn’t fully understand, but trusted because of the people involved. We also unpack how being open, humble, and always learning attracts the kind of relationships that lead to lasting success. And we reveal what it really takes to turn every conversation into a door-opening opportunity without feeling transactional. This conversation is packed with timeless wisdom on how to become the person others want to do business with, why thinking about tomorrow today changes everything, and how the simple act of being genuinely interested in others can transform your life and financial future. Bill's Links: Website: https://smartermindsnetwork.com/ Facebook: https://www.facebook.com/people/Smarter-Minds-Network/61565180936150/?mibextid=LQQJ4d LinkedIn: https://www.linkedin.com/in/926ventures/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app  X: https://x.com/smartermindsnet YouTube: https://www.youtube.com/@SmarterMindsNetwork 

Start making passive income here: https://bit.ly/4eki3vD  How much does your mindset around abundance really affect your financial outcomes? Is building wealth just about strategy, or is there something more foundational that makes all the difference? In this episode, I had the privilege of sitting down with Chelsea Myers, someone who has advised ultra-successful entrepreneurs and top-tier leaders on how to shift internally so they can experience the abundance they’re truly seeking. What I loved about our conversation is that we went deep beyond the spreadsheets and strategies into what actually drives sustainable wealth, freedom, and peace of mind. Chelsea is the visionary behind Meditation, a movement rooted in helping children and adults alike connect with their calm, creativity, and worthiness. She’s a private advisor for high-level entrepreneurs, and she’s helped many of them untangle deeply rooted beliefs and subconscious patterns that were keeping their financial success from feeling… fulfilling. We dig into why money is not just about numbers it’s a mirror of your relationship with yourself. If you’ve ever said, “Why isn’t this working for me?” even when you’ve done all the right things financially, this conversation is going to hit home. We cover how childhood programming, nervous system responses, and subconscious stories affect your ability to receive and grow money. Chelsea and I discuss the common energy of unworthiness and fear that blocks abundance even in the lives of millionaires. You’ll also hear practical tools to evaluate your “money relationship,” including one powerful question that can change everything. This episode isn’t just motivational it’s transformational. You’ll walk away with a new understanding of why scarcity shows up in both broke and wealthy people, and how to rewire your energy to be in true alignment with abundance. Whether you’re just getting started or already financially free, this conversation will help you align emotionally and spiritually with the kind of life you want to live not just financially, but holistically. Chelsea Myers links: LinkedIn: https://www.linkedin.com/in/chelsea-myers-57345417/  Website: https://www.dentallife.coach/  Facebook: https://www.facebook.com/dentallifecoach/  Instagram: https://www.instagram.com/dentallife.coach/ 

Start making passive income here: https://bit.ly/3FQUz4D  Think net worth equals financial freedom? Think again. In this powerful episode, I’m going to flip that myth on its head and show you why being asset rich and cashflow poor is the real problem plaguing so many high-income professionals today. I dive deep into the truth about net worth, and more importantly, I break down what really creates lasting, liberating financial freedom: cash flow. I share a real-life case study of a client couple a dentist and his hardworking wife who seemingly had it all: a $3.5 million net worth, nearly $400,000 in annual income, rental properties, retirement accounts, and life insurance policies. And yet, they were suffocating. Their cashflow was tight, credit cards were creeping up, and financial stress was straining their marriage. In this episode, I walk you through the exact process I used to help them find relief. I show how we used tools like the Cashflow Optimizer and my proprietary Cashflow Index to identify the best debts to pay off resulting in an instant $2,000/month cashflow boost without investing in anything risky. You’ll hear how I challenged the traditional thinking around net worth and why it’s worthless if it doesn’t generate cashflow. I even show how their life insurance policies, previously viewed as a bill, became a source of financial leverage. And I don’t stop there we examine their underperforming rental properties, their crypto and stock holdings, and walk through how they can convert stagnant assets into reliable, monthly income. If you’ve ever felt like you’re doing all the right things maxing out retirement plans, building assets, saving diligently but still feel stuck financially, this episode is for you. I reveal why the strategies most financial advisors push are actually keeping you broke and what to do instead. This isn’t about theory. It’s a practical, results-driven approach to financial independence based on real experience, not recycled talking points. And most importantly, it’s about reclaiming your time, your choices, and your peace of mind. Financial freedom doesn’t come from your net worth on paper it comes from having consistent, dependable cashflow that exceeds your monthly expenses. That’s when you become work optional. That’s when you start living the wealthy life now, not 30 years from now. So if you’re ready to stop chasing paper wealth and start building real freedom, tune in. This episode might just be the wake-up call you need.

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.