Real passive income starts here: https://bit.ly/4iOfALf

Is passive income real, or is it just a buzzword thrown around by marketers trying to sell you a dream? That’s exactly what I unpack in this episode of the Money Ripples Podcast. If you’ve ever been confused, skeptical, or overwhelmed by the idea of earning money while you sleep, this episode is going to be a game-changer for you.

I get real about what passive income truly is—and what it isn’t.

During a recent mastermind event in Austin, I was chatting with a wildly successful business owner—someone knee-deep in AI development and pulling in millions. He asked me straight up: “Is anything actually passive?” His perspective reflects what so many people feel. He even confessed to dumping money into a SPY ETF (S&P 500 index fund) just because he didn’t want to think about it. Sound familiar?

But here’s the deal: Passive income doesn’t mean passive thinking. If you ignore your money like you ignore your marriage or your health, it will suffer. This episode is a reminder that stewardship—not set-it-and-forget-it—is the true foundation of financial freedom.

I break down the most common myths about passive income that are still floating around out there. You know the ones: starting an Amazon store, flipping houses, running Airbnb properties... all marketed as "passive." But if you've ever tried them, you know better—they require a ton of time, effort, and energy.

I also share the real, proven strategies I’ve used personally and with hundreds of clients to create streams of passive income that are actually passive. I cover:

• Why being a business owner doesn't mean you're free—and how to get there

• Why syndications, turnkey rentals, and private lending can be more passive than you think

• The difference between stewardship and micromanagement (hint: you don’t need to babysit your money!)

• What questions to ask to avoid the charlatans and bad deals in the marketplace

• How the right network and deal vetting system can save you hundreds of hours

The truth is, passive income is absolutely real. It just requires the right mindset, the right strategy, and the right guidance. If you’re tired of hustling endlessly and are ready to see your money actually work for you, tune in.

This is your permission slip to stop working harder—and start working smarter.

Stop waiting to create passive income. Start here: https://bit.ly/3G1psmj

Are turnkey rental properties still worth it in today’s real estate market, or have rising interest rates and home prices made them obsolete? In this episode of The Money Ripples Podcast, I, Chris Miles, cashflow expert and anti-financial advisor, sit down with long-time real estate investor and Southern Impression Homes co-founder Jim Sheils to answer that very question.

Jim has been investing in real estate for over 25 years and has weathered market cycles from the 2008 meltdown to today’s high-rate environment. Together, we unpack the evolution of turnkey real estate—from the old days of fixer-uppers and tenant headaches to today’s smarter, more sustainable approach: new construction build-to-rent properties in second-tier, high-growth Florida markets.

We discuss why new construction turnkey rentals have become the 2.0 model for long-term wealth building. Jim shares how his team is combating the effects of rising interest rates by securing exclusive builder forward commitments—offering mortgage rates as low as 4.25%, significantly improving cash flow over what you'd see with traditional lenders.

You'll hear how Jim’s average tenant stays three years or more, reducing turnover costs and increasing your long-term returns. We also highlight the top Florida markets still offering growth, affordability, and strong rental demand, like Ocala, Jacksonville, and others.

This episode isn’t just about real estate. We also touch on legacy, family values, and the ripple effect that comes from being intentional about your time, money, and relationships. Jim’s passion for helping families prioritize connection through his 18 Summers program adds a meaningful layer to the financial freedom conversation.

If you’re considering passive income through turnkey rentals—but you’re skeptical in today’s market—this is a must-listen episode. We talk strategies, markets, financing tools, and how to invest smart without sacrificing your peace of mind.

👉Curious what properties Jim’s team currently has available? Head to https://www.jjplaybook.com to download their free book and view available turnkey rentals built for cash flow in today’s market.

Starting living the life you want: https://bit.ly/41S7gnN

Most people focus on protecting their stuff—homes, cars, bank accounts—but what about protecting the one thing that makes it all possible? You are the real wealth generator, the economic engine behind your financial success. Without you, there is no passive income, no cash flow, and no ripple effect. In this episode, I break down how to prioritize and protect yourself as an asset—from building your physical health, mental wellness, and spiritual alignment, to leveraging tools like life insurance, disability insurance, emergency savings, and creating legal protection around your business or investments.

I share my personal journey of going from a high-flying financial advisor with flashy cars and big homes to someone who truly understands the value of people over possessions. I open up about my past health struggles, what I learned from hitting rock bottom financially, and how I finally created sustainable financial freedom by shifting focus from accumulating stuff to investing in myself and serving others.

I also honor the legacy of our beloved client and friend, Colonel Dan Marker, who recently passed away. Dan’s story is a powerful reminder of why we do what we do at Money Ripples—to help real people, like you, live free and make a lasting impact while there’s still time. His transformation from relying on traditional retirement plans to generating over $100K a year in passive income through our guidance is both inspiring and sobering. He lived fully, he lived freely, and he made a ripple effect that touched everyone around him.

This episode isn’t just financial advice—it’s a call to action. Start living now. Invest in your health, your peace of mind, and your legacy. Protect your time. Protect your energy. Protect your purpose. Because without YOU, none of this matters.

If you’re ready to discover how to make your money work for you today—not decades from now—and build a truly prosperous life, start with the Passive Income Calculator at MoneyRipples.com.

This isn’t just about finances. It’s about FREEDOM. And it starts with valuing and protecting your greatest asset—YOU.

Passive income starts here: https://bit.ly/4c6o663

Are you tired of the rollercoaster ride that comes with the stock market or the endless stress of active real estate investing? What if you could generate passive income with greater predictability and less hassle? In this episode of the Money Ripples Podcast, I bring on Andrew Boccia, founder of Central Lending, to talk about one of my favorite ways to create consistent passive income: real estate lending.

With over 1,500 real estate deals under his belt and more than 800 bridge loans completed, Andrew shares how his company has maintained a remarkably low default rate—just around 2%. That’s almost unheard of in this space. We dive into what makes private lending so powerful, especially in a time when traditional investments feel more volatile than ever.

Andrew walks us through how he built his lending business, the exact underwriting process Central Lending uses, and why most of the risk in lending comes down to avoiding fraud—not just bad borrowers. You’ll hear how he went from professional poker player to full-time real estate investor and why lending became his most efficient and scalable strategy.

We also unpack:

• What loan-to-value (LTV), loan-to-cost (LTC), and loan-to-purchase ratios really mean—and why they matter

• Why performing due diligence on borrowers (including background checks, credit, and experience) is a game-changer

• How Central Lending structures both its fund and individual note investing options

• How you can create consistent monthly income without swinging a hammer or chasing tenants

This isn’t just about creating more money—it’s about creating freedom, control, and time. Lending allows you to sit on the “bank” side of real estate and get paid to let your money work, rather than constantly trading your time or stressing over rehab timelines.

Whether you want to invest in a diversified lending fund or get more hands-on by holding individual notes, Andrew breaks down what investors should expect, how risks are managed, and how Central Lending vets every deal and borrower before money ever goes out.

You'll also learn how this strategy is helping to revitalize neighborhoods, support contractors and realtors, and improve communities across the country—all while helping you create passive income.

Visit www.central-lending.com to learn more about how Andrew and his team can help you put your money to work. And as always, head to www.moneyripples.com and use our Passive Income Calculator to see how fast you could become financially independent with the right strategy

Passive income calcualtor: https://bit.ly/4c22o2X

Everyone talks about financial freedom in 30–40 years—but what about TODAY? In this episode, Chris Miles reveals why traditional retirement planning might be failing you and how present planning can unlock time freedom, cashflow, and peace of mind right now.

You'll hear the real story of a client who went from working full-time to generating $13,000/month in passive income—within just 6.5 years. Chris also breaks down the five-stage plan his clients follow to free up cashflow, invest strategically, and protect their wealth, all while creating a ripple effect that benefits their family TODAY—not someday.

Whether you're in your 40s or 50s, a W2 employee or a business owner, this episode is your wake-up call: stop saving and slaving—start living and cash flowing now.

Passive income starts now: https://bit.ly/4bwmOAR

Most real estate investors focus on flipping houses, buying rentals, or developing multifamily units. But what if there was a lesser-known, low-competition niche that could generate massive profits without dealing with tenants, maintenance, or large capital investments?

In this episode, I sit down with Jack Bosch, a leading educator in land investing, to uncover why land flipping is a hidden gem in the real estate world. Jack has completed over 5,000 real estate transactions, and he explains how you can buy land at deep discounts and resell it for huge profits—all without touching a hammer or managing renters.

In This Episode, You’ll Learn:

✅ Why land investing is a simpler, less risky alternative to traditional real estate ✅ How to find motivated landowners willing to sell at 25-30% of market value ✅ How to flip land quickly or sell with owner financing to generate passive income ✅ How Jack leverages land deals to fund long-term wealth with multifamily investments ✅ Why America is still the land of opportunity for investors looking to achieve financial freedom

If you’re tired of dealing with tenants, toilets, and termites, land investing could be your game-changer in real estate!

Get started with Infinite Banking now: https://bit.ly/43RU5EM

Passive income is the key to freedom: https://bit.ly/4ijiCH2

Are traditional retirement plans like 401(k)s and IRAs the worst thing for your estate? You might be unknowingly setting your family up for massive tax burdens after you are gone. In this episode, I, Chris Miles—your Cashflow Expert and Anti-Financial Advisor—break down why 401(k)s and IRAs might not be the best way to build generational wealth and what alternatives could be smarter.

I will discuss:

• Why recent tax law changes could ruin your heirs’ inheritance
• The hidden tax time bomb inside your retirement account
• Why waiting to pay taxes might be a bad idea
• How to legally protect your wealth and pass on more to your family
• Why life insurance could be the secret weapon to estate planning

If you are still maxing out your retirement accounts, you need to watch this.

Passive income creates freedom: https://bit.ly/4krp8gA

Are cracks forming in the real estate market? In this episode, I, Chris Miles—your Cashflow Expert and Anti-Financial Advisor—sit down with Chris Seveney, mortgage note expert, to reveal the surprising trends happening in the real estate world RIGHT NOW.

We’re diving into why more fix-and-flip loans are defaulting, how appraisals are missing the mark, and what investors can do to protect themselves in this changing market. Whether you’re a passive investor, an active real estate pro, or someone just trying to understand where the market's headed, this is a conversation you don't want to miss.

Passive income is your "cheat code" to a great retirement: https://bit.ly/4btQRZW

This is how you make REAL passive income for NOW and retirement: https://bit.ly/3F7Lbsz

Are you following traditional financial advice but feel like you're still stuck? In this video, I, Chris Miles—your Cashflow Expert and Anti-Financial Advisor—break down why old-school advice like "get debt-free," "save, save, save," and "avoid credit" could actually be slowing you down on your path to wealth.

I’ve been there—drowning in debt, trying to do everything “right,” and still getting nowhere. But when I learned how to think differently about money, credit, and cashflow, my wealth grew faster than I ever expected.

In this episode, I share how you can use smarter strategies like the Cashflow Index, leverage debt wisely, and protect your future without following outdated rules that don’t serve you.

If you're ready to break free and build wealth that lasts, this video is for you.

00:00 – Is traditional financial advice outdated? 01:04 – Why I started Money Ripples and my mission for financial freedom 01:43 – My take on Dave Ramsey's approach (and where it falls short) 02:25 – Why some advice doesn’t work for millennials 04:58 – How blanket advice can actually harm your finances 06:26 – What I learned from almost going bankrupt (and how I bounced back) 10:22 – Why credit scores still matter (even if you hate debt) 13:50 – Why saving to buy a home in cash isn’t always smart 15:08 – The problem with the debt snowball method 18:43 – How I use the Cashflow Index to pay off debt smarter 22:33 – How I leveraged debt to grow wealth (without taking big risks) 24:03 – Why you should question financial advice (even mine!) 26:06 – Final thoughts on creating true financial freedom

Passive income starts here: https://bit.ly/3D6SeRF

Register for the Billionaire Blueprint FREE event right NOW: https://the-wealthsociety.com/chris_miles

Want to build wealth faster and create financial freedom now—not decades from now? In this episode, we reveal the four pillars of wealth that help you accelerate cashflow, leverage credit, and minimize taxes.

Our guest Steve Pate, a financial literacy expert, shares how to structure your income, assets, and banking relationships to grow wealth strategically. If you’ve ever wondered how the wealthy build lasting financial success, this is the episode for you!