Will You Have to Work Longer than Age 65?

Passive income calculator: https://bit.ly/3BrATSJ What’s Your Christmas Wish? // Money Ripples Podcast If you had one wish this Christmas, what would it be? In this heartfelt episode, I (Chris Miles, your cashflow expert and anti-financial advisor) talk about the power of clarity, intention, and giving as we wrap up 2024 and head into a brighter new year. I share personal stories—like a humbling Christmas experience during my most difficult financial season—and reflect on what it means to set meaningful goals, be a wise steward of your resources, and create a ripple effect in the lives of others. This episode is for YOU: ✅ If you want financial freedom and passive income. ✅ If you’re looking for clarity and purpose in your goals. ✅ If you’re seeking inspiration to give more and live more intentionally. Let’s talk about how to make 2024 a year of action, growth, and true prosperity. Merry Christmas, Happy Holidays, and let’s get ready to make this new year your best yet. Timestamps: 00:00 - What’s your Christmas wish? 01:02 - The power of giving during the holidays 02:28 - Lessons learned from a challenging 2024 05:22 - Why clarity and intention matter in your goals 06:11 - Finding your WHY: What happens if you don’t achieve your goal? 08:54 - Creating intentional time with family and loved ones 10:17 - Financial clarity: Steps to improve your cashflow in 2024 12:46 - My personal Christmas story: A humbling 12 Days of Christmas experience 14:56 - The power of creating karmic debt and serving others 16:50 - Final wishes: Becoming a better steward and blessing others #2025goals #financialclarity

Book a MAX ROI Infinite Banking strategy session now: https://bit.ly/3BA8Joy In this episode, I sit down with Chris Waters, a retired dentist who successfully transitioned to financial freedom.  Chris shares his real-life experience of using Infinite Banking to fund investments like real estate, debt funds, and even natural gas projects. We dive into how he got started, the lessons he learned, and the flexibility Infinite Banking has provided him to control his money and create passive income. If you’re wondering, “Can Infinite Banking really work for me?” or “How can I fund my investments without relying on banks?” – this episode is for you.  Learn firsthand from Chris’s experience and see how you can take control of your finances and investments. Timestamps: 00:00 – Introduction: How to use Infinite Banking to fund investments 01:02 – Meet Chris Waters: Retired dentist turned financial freedom seeker 02:39 – Why Chris shifted from traditional investing to passive income 05:48 – Lessons learned from real estate investing and due diligence 09:28 – What got Chris started with Infinite Banking 10:34 – How Chris uses Infinite Banking to fund investments like real estate and debt funds 13:02 – Why Chris didn’t use Infinite Banking sooner (and lessons learned) 15:02 – Debunking Infinite Banking myths: Car loans vs. investing 17:01 – Using Infinite Banking for business purposes and tax advantages 18:27 – Advice for those considering Infinite Banking and passive investing 21:56 – Why Chris chose Money Ripples for his Infinite Banking strategy 23:34 – Chris’s ripple effect: Sharing wisdom and creating a legacy 25:23 – Final thoughts: Take action, cure fear, and build financial freedom

Book a MAX ROI Infinite Banking strategy session now: https://bit.ly/3By085E Try our Passive Income Calculator: https://bit.ly/4gjiHd5 In this episode, I uncover the real financial cost of settling for "good enough" instead of the best. Whether it's insurance policies, investments, or financial advice, small decisions can cost you thousands or even hundreds of thousands over time. I share real client stories to highlight the opportunity cost of poor decisions and why focusing on value over price is the key to building wealth, creating freedom, and leaving a legacy. Key Takeaways: Opportunity Cost is Real: Settling for “good enough” can cost you years of financial progress. Focus on Value, Not Price: The cheapest option can cost you the most in lost time and money. Time is Irreplaceable: Your time is more valuable than money, so use it wisely. Beware of Bad Advice: Always verify, compare, and work with people who have a proven track record of delivering the best value.

This is the tool to change your financial future. Try our calculator now: https://bit.ly/3BbXxOP How can you increase your income as an employee without begging for a raise? Better yet, how do you create massive value for your company so they can’t afford to lose you?   In this episode, I sit down with Glenn Lovelace, a coach who’s helped thousands of men and women uncover their full potential and negotiate bigger paychecks by solving real problems at work. We dive into the entrepreneurial mindset within the employee role, where you shift from just doing a job to becoming an indispensable asset.   Glenn shares actionable strategies to identify problems, propose solutions, and put yourself in a position where raises and bonuses are the natural result of the value you bring.   Whether you’re an employee looking to get paid what you’re worth or a business owner wanting employees who drive massive results, this episode will show you how to create win-win opportunities that change the game. Glenn Lovelace's links: Instagram: https://www.instagram.com/itsyourwingman?igsh=Z3gwcDhnampiczNp Website: https://glennlovelace.com/ Podcast: https://onedayonelifepodcast.buzzsprout.com/ Facebook: https://www.facebook.com/glenn.lovelace   00:00 Introduction 02:22 Glenn Lovelace’s journey: From hustler to wingman coach 08:00 What makes employees indispensable to business owners 11:20 The secret to writing your own paycheck as an employee 15:22 Real-life success stories: $500K raises and bonus structures 18:55 The entrepreneurial mindset for employees 22:40 How to approach raises without sounding entitled 26:14 Why “comfort” holds you back in your career growth 29:00 The ripple effect of stepping into confidence and solving problems #askingforaraise #employeemindset

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.