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.
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27:25
Should You Invest in Stocks Right Now? Here’s Why I’m Not.
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.
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19:06
From Scarcity to Abundance I Think Like A Go Giver
Start making passive income here: https://bit.ly/4jRLjvT What’s the one principle that has fueled my own financial freedom and also helped today’s guest become a bestselling author with over a million books sold? In this episode, I’m joined by the incredible Bob Burg, co-author of the international bestseller The Go-Giver, a parable that’s transformed how countless entrepreneurs and professionals approach business and life. If you’ve ever struggled with the mindset of making money versus serving others—or felt that tug between doing good and doing well this conversation will unlock a brand-new perspective. Bob and I dive into the core philosophy behind being a Go-Giver, and why the secret to massive wealth lies in creating value for others. This is a message that aligns perfectly with what we teach here at Money Ripples: that money is a natural byproduct of value. When you put service first and focus on helping others solve real problems, income and impact follow predictably. Bob shares behind-the-scenes insights into how The Go-Giver was born, including how he and co-author John David Mann faced 24 publisher rejections before finally getting a “yes.” He explains how Endless Referrals, his earlier book, laid the groundwork for his parable, and why mindset, not mechanics, is often the biggest barrier to building true wealth. We also get personal. I open up about my early struggles with scarcity thinking, shaped by my upbringing, and how that mindset held me back financially even as a financial advisor. It wasn’t until I embraced the Go-Giver principles myself that everything shifted. Bob explains why false beliefs around money and wealth are holding many people hostage and how to break free of them. Later, we get into real talk about free markets, capitalism, and cronyism. Bob offers an honest take on why real capitalism isn’t about exploitation, but about voluntary exchange and value creation. He points out how government overspending and centralized control aren’t just ineffective—they rob people of their ability to thrive and contribute meaningfully. This conversation isn’t just about theory. You’ll get tangible mindset shifts and actionable takeaways that can reshape the way you build your business, sell your product, or invest your money. Whether you’re an entrepreneur, investor, or someone simply trying to live with purpose and prosperity, this episode will inspire you to own your ripple effect and use your gifts to bless others. Bob's link: - Website: https://burg.com/ - Facebook: https://www.facebook.com/burgbob - X: https://x.com/bobburg - LinkedIn: https://www.linkedin.com/in/bobburg/
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30:01
Multifamily Investing in 2025: Opportunity or Trap?
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.
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38:19
Velocity Banking Explained: Why It’s Riskier Than You Think
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.
Are you tired of working harder just to see your money go out the door faster? Do you dream of achieving financial independence, retiring early, and finally living life on your terms—without cutting corners or sacrificing your lifestyle?
Welcome to the Money Ripples Podcast, hosted by Cash Flow Expert and Anti-Financial Advisor, Chris Miles. This show is your no-nonsense roadmap to escaping the rat race, creating sustainable passive income, and building wealth that lasts for generations.
Every Wednesday and Friday, Chris delivers straight-shooting episodes packed with strategies and insights you won’t hear from traditional financial advisors. With over a decade of experience helping clients generate real cash flow from real assets, Chris pulls back the curtain on how to make your money work harder for you—so you don’t have to work so hard for your money.
What You’ll Discover:
How to Create Passive Income Without Risky Gambles
Learn proven strategies that allow you to safely generate recurring cash flow from real estate, business investments, and alternative income streams.
Infinite Banking Strategies (Without the Confusion)
Discover how to leverage the power of infinite banking using whole life insurance to grow your wealth tax-free, protect your capital, and fund your own retirement—all while keeping full control of your money.
How to Retire Early (Even in an Unstable Economy)
Tired of waiting until you're 65+ to enjoy your life? Chris shares how to build your own path to early retirement, even if the stock market is shaky, taxes are rising, or inflation is creeping in.
The Truth About Financial Freedom
Cut through the hype and learn what real financial freedom looks like—and how everyday people (just like you) are achieving it through smarter cash flow decisions and better stewardship.
Wealth Mindset + Money Stewardship
Financial independence isn't just about making more—it's about managing it wisely. Learn how to become a better steward of your wealth with practical mindset shifts that align with your values and legacy goals.
Why Listen to Money Ripples?
Chris Miles isn’t your typical financial advisor. After losing everything by following traditional advice, he rebuilt his wealth by doing the opposite of what Wall Street tells you. Since then, he’s helped hundreds of entrepreneurs, investors, and everyday families create six and even seven figures in passive income—all without living below their means or relying on risky investments.
With a focus on cash flow over accumulation, Chris offers real solutions for those who want more freedom, less stress, and a faster path to retirement. Whether you’re just starting your journey toward financial independence or looking to optimize your existing wealth-building strategy, this podcast is your trusted companion.
Each Friday, tune in for inspiring interviews with top financial minds, business owners, and investors who are walking the talk. These conversations are raw, insightful, and often surprising—designed to give you ideas you can apply right away.
Start Your Journey to Financial Freedom Today
The Money Ripples Podcast has been downloaded millions of times and featured in major media for a reason—it delivers results. If you're ready to break free from financial mediocrity and create a life of abundance, hit that Subscribe button and start listening today.
New episodes drop every Wednesday and Friday. Your work-optional life is closer than you think.
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