Start making passive income here: https://bit.ly/4kaX4O1 

If you've been wondering what the best investment is in today’s market especially in a world of uncertainty, market volatility, and failed syndications this episode is for you. I sat down with Heather Dreves, Director at Central Lending, to talk about one of the most underutilized (yet powerful) wealth-building strategies out there: investing in debt.

We’re not talking about going into debt. We’re talking about investing like the bank backed by collateral, with predictable monthly returns, and with far less exposure to the kind of turbulence that equity investors have faced over the last few years.

Heather brings nearly two decades of experience and has helped manage over $300 million in this space. She breaks down the exact mechanics of how debt investments work, why they’re outperforming many traditional vehicles right now, and how investors (including those who aren’t accredited) can get started with either individual notes or a debt fund.

We also go deep into:

- Why debt investors get paid first (and what that means during a downturn) - How private lending differs from banks and why it’s more secure for investors - What “first lien position” really means for your money - What happens when a borrower stops paying (hint: you still win) - Why loan-to-value (LTV) matters more than interest rate - The difference between passive investors in debt funds and hands-on promissory note buyers - How Central Lending is underwriting deals more conservatively than institutional lenders

This episode is perfect for you if:

- You’ve experienced losses in syndications or real estate deals and want a safer alternative - You’re sitting on capital from the sale of a business or practice and want stable cashflow - You’re looking for double-digit returns backed by real assets - You’re just tired of the Wall Street rollercoaster and want predictability

Whether you’re an accredited investor with $100K to place, or you’re just starting with $40–50K and want to learn the ropes of individual notes, Heather breaks it all down with clarity, transparency, and integrity.

This is the kind of conversation that will shift your entire mindset about investing.

🎧 Listen now and learn why debt investing might be the smartest place to put your money right now.

Heather's Links: - LinkedIn: https://www.linkedin.com/in/heather-dreves/  - Facebook: https://www.facebook.com/share/1EtWiEi6pk/?mibextid=wwXIfr 

Curious about what an Infinite Banking policy could do for you? Book a call now - https://moneyripples.com/infinite-banking/ 

More and more insurance agents are pitching Indexed Universal Life (IUL) policies as a way to do Infinite Banking. Let me be blunt that’s absolutely false. I’m Chris Miles, and I’ve been in this industry long enough to know that this isn’t just a misunderstanding. It’s a dangerous lie that could cost you thousands, even millions, if you’re not careful.

In this episode, I’m pulling back the curtain on the truth behind IULs, explaining how they’re being misrepresented, and why they’re fundamentally incompatible with the Infinite Banking Concept (IBC). I’ll walk you through what Infinite Banking actually is it’s a strategy, not a product and why whole life insurance is the only product that’s truly designed to execute that strategy safely, predictably, and effectively.

You’ll hear me dissect a real-life example shared on Instagram by a well-meaning agent who got the messaging wrong. I’ll show you line by line where her projections are flawed, misleading, or legally questionable. From inflated return assumptions and glossing over surrender values to making risky guarantees about lifelong tax-free income this is the kind of misinformation I’m committed to clearing up.

I’ll compare side-by-side numbers from that IUL illustration with an actual whole life policy I personally structured for a client. And guess what? Whole life not only performs better, it’s also more accessible, stable, and versatile especially when it comes to liquidity and cash flow.

This episode is your masterclass in:

• Understanding how surrender fees restrict access to your own money in IULs
• Why rising insurance costs in IULs can eat away at your retirement income
• The legal risks of using phrases like “you cannot outlive this income”
• How IUL caps and floors are manipulated over time
• Why banks prefer whole life over IULs for collateral
• How real infinite banking strategies use life insurance to create wealth velocity, not speculation

If you’re thinking about using life insurance to build wealth, create passive income, or store liquid cash safely this is the episode you need. IUL might sound sexy, but at the end of the day, whole life insurance offers safer, stronger, and more reliable outcomes for smart investors.

And here’s the bottom line: Infinite Banking isn’t about chasing returns it’s about creating predictable, liquid, tax-free financial leverage you can access when you need it most. IULs simply don’t deliver on that promise.

If you’ve been pitched an IUL and you’re not sure what to think, send it to me at MoneyRipples.com. I’ll review it honestly. I’ve even told people to keep an IUL before but that’s the exception, not the rule. Don’t gamble with your financial freedom.

Start making passive income here: https://bit.ly/3FbXqol 

Are we in an everything bubble? And if so, what do you actually do about it?

I brought on a powerhouse guest, Anna Kelley a seasoned investor, former private banker, and founder of REI Mom to break down where we really are in this economic cycle and how investors like you should be thinking, acting, and investing right now.

We cover the hard truths that most people aren’t saying out loud: the market is disconnected from reality, cap rates don’t always make sense, and way too many syndicators are still pitching outdated models. If you’re investing based on hope or appreciation alone, this episode will be a wake-up call.

Anna and I walk through the realities of inflation vs. deflation, interest rate cycles, and what the smartest institutional investors are doing and how you can apply that same thinking in your portfolio. You’ll learn:

Why cap rates must align with Treasury yields if you want risk-adjusted returns

How to tell if a real estate deal is actually worth the risk in today’s climate

The three stages of every investor’s journey: income, growth, and preservation

Why many asset classes especially commercial real estate are undervalued but still risky

How to invest for resilience, not just yield, by choosing markets with real job and income growth

Anba doesn’t hold back. She dives deep into the warning signs she’s watching and the undervalued opportunities she’s pursuing. We also talk about short-term rentals, market saturation, and how to pivot your investment strategy when prices are high and interest rates are even higher.

And this conversation isn’t just for seasoned investors. Anna also shares her heart around stewardship, faith, and legacy why she started REI Mom and how financial independence is about more than just numbers.

If you’re trying to figure out where to put your money, how to avoid major losses, and still grow your wealth in this economy, this episode is a must-listen. Anna's link: - Website: https://annakelleyinvesting.com/  - LinkedIn: https://www.linkedin.com/in/anna-kelley-reimom/  - Facebook: https://www.facebook.com/annakelleyreimom/ 

Start making passive income here: https://bit.ly/4du9A8K 

What do you do when the economy feels like it’s spinning off its axis?  Should you stay in the stock market?  Is real estate still worth the risk? Or is now the time to sit on the sidelines? 

In this episode, I bring on a powerhouse guest, Anna Kelley, to help cut through the noise and offer grounded, data-driven insights that every serious investor needs to hear.

Anna isn’t just another talking head—she’s a Wall Street veteran, New York Times bestselling author, and a real estate mogul with a portfolio of over $400 million. She has firsthand experience navigating economic storms like the Great Financial Crisis, and she shares her perspective on where we are today and where we’re likely heading.

Together, we take a deep dive into:

• Why the 4% rule is outdated and could wreck your retirement
• How inflation, tariffs, and government spending distort market signals
• The truth behind today’s recession indicators and why most of the public is being misled
• Why Anna is strongly anti-stock market right now and where she’s putting her money instead
• The importance of leading economic indicators (LEIs), not headlines, in predicting real shifts
• How commercial real estate and long-term rentals are holding up—and what the future may hold

We also uncover how the media, social algorithms, and surface-level financial advice are leading many investors astray. Anna shares her approach to filtering out the noise, what economic indicators she follows (like the yield curve, Sahm rule, and Conference Board LEIs), and how she determines real risk-adjusted returns.

This episode is not about fear it’s about clarity. It’s about knowing where the economy is really heading and how you can position yourself to thrive, not just survive. Whether you’ve taken a hit in real estate recently or you’re frozen in decision-making limbo, this conversation will help you move forward with purpose.

Real wealth isn't about hype it’s about strategy. If you're seeking to create passive income with confidence and precision, this episode will help you reset your expectations, reframe your mindset, and realign your investment strategy.

Anna's link: - Website: https://annakelleyinvesting.com/  - LinkedIn: https://www.linkedin.com/in/anna-kelley-reimom/  - Facebook: https://www.facebook.com/annakelleyreimom/ 

Start making passive income here: https://bit.ly/4meLlzf 

Are you being misled about your investment returns?

In this episode, I break down one of the biggest myths in traditional financial planning the difference between average returns and actual returns and why this gap matters more than most people realize. Financial advisors, media pundits, even names like Dave Ramsey have been preaching 10–12% returns for decades, but what does the data actually say?

I walk through historical numbers from the S&P 500, show you why average returns are mathematically deceiving, and explain how this confusion can derail your retirement plan. You'll hear how I learned this firsthand as a former financial advisor and why I walked away from the industry.

I also share what I’ve seen work instead: real strategies based on cash flow, passive income, and tangible assets like real estate and lending. If you're tired of feeling like the numbers don't add up and you're ready for real clarity, this episode is for you.

Start making passive income here: https://bit.ly/43mcUOE 

Have you ever questioned whether the traditional retirement route stock markets, 401(k)s, and “set it and forget it” advice is really going to get you the life you want? 

I sat down with Roberto Manzueta, a mechanical engineer of 20 years and one of our newest clients, to talk about his real-world journey of breaking free from that outdated financial mindset and taking control of his future through alternative investments.

In this episode, you’ll hear Roberto’s authentic transformation from relying solely on W2 income and retirement accounts to generating real, consistent passive income. His story might sound familiar. Like many high-income professionals, Roberto was doing everything “right” but realized that even with diligent saving and investing, he wasn’t on track to retire with the lifestyle he wanted. Once he began running the numbers, he saw that something had to change.

You’ll learn how Roberto explored real estate investing and why, even after pursuing deals on his own, he found the experience with Money Ripples significantly more efficient, less risky, and aligned with his time-starved lifestyle. He shares how he connected with vetted operators, bought his first turnkey property, and began earning double-digit returns all within a few months of joining our community.

But this episode isn’t just about money. It’s about mindset. We talk about overcoming analysis paralysis (especially if you're an engineer like Roberto), learning to invest with confidence, and building your own team of experienced mentors. You’ll hear how important education and taking calculated action became pillars in Roberto’s journey and how this allowed him to build momentum toward hitting his goal of financial independence by age 58.

If you’re wondering whether there’s really another way to do this and if it's possible to build wealth and freedom while still working your day job this is the episode for you. Roberto is living proof that with the right connections, education, and courage to act, it’s absolutely possible.

Start making passive income here: https://bit.ly/3YKI1ls 

Let’s be real, cashflow is king. But how do you create consistent, growing cashflow from your business, especially if you're just getting started or trying to scale? 

Today, I sat down with Leo Kanell, founder of Seven Figures Funding and host of the Seven Figures Club Podcast, to get straight answers on how business owners can tap into real money, build sustainable cashflow, and finally get the freedom they’ve been working so hard to achieve.

Leo knows the game because he’s played it, he’s built, lost, and rebuilt businesses through good times and the recession. He shares how the 2008 financial crisis crushed his early ventures, how he bounced back by investing in his own education, and how he discovered the formula to unlock capital for thousands of entrepreneurs.

In this episode, we break down the mechanics of getting funding, from credit card stacking to business lines of credit, and the critical differences between good debt and bad debt. We talk about the ROL (Return on Loan) principle, the dangers of under-capitalizing a proven idea, and how too many entrepreneurs sabotage themselves by mismanaging cashflow and personal credit.

We also hit the hard truths: banks are quietly becoming more restrictive again. I share a recent conversation I had with PNC Bank about tightening lending criteria, and Leo explains how their fintech solution fills that gap with real-time, soft-pull credit pre-approvals. The game has changed, and this episode gives you the roadmap to adapt and win.

Whether you're a seasoned business owner or just thinking about starting your first venture, this episode is a must-listen. We even talk about using financing for franchises and existing businesses, and Leo drops a ton of wisdom about stewarding capital, building a ripple effect, and knowing when it’s time to leverage debt to grow.

And for those who say, “I’m afraid to take on debt,” Leo flips the narrative. If your business has proof of concept and you're generating ROI, it might be riskier not to take that loan.

Tune in now to learn how to turn capital into freedom, manage your finances like a CEO, and finally fund the vision you’ve been dreaming about.

Leo's links:

• LinkedIn: https://www.linkedin.com/in/leokanell/
• Website: https://linktr.ee/7figurefunding
• TikTok: https://www.tiktok.com/@gofigurepodcast
• Facebook: https://www.facebook.com/7figuresclub1 

Start making passive income here: https://bit.ly/4jORCQN

In this episode, I break down the three-step strategy I’ve used for years: Get Lean, Get Liquid, Get Out. I’ll show you how to cut financial fat, build a solid liquidity base, and move your money into recession-resistant investments that work even when the economy doesn’t.

I’ll walk you through where I’m storing my cash, how infinite banking compares to traditional banks, and why real estate especially the right kind is still one of the most powerful ways to build wealth and create passive income. Plus, I cover alternatives like private lending, self-storage, and hard assets like land and gold.

This isn’t the time to freeze in fear it’s the time to move smart. I’ll help you do just that. Let's chat about Infinite Banking: https://moneyripples.com/infinite-banking/ 

Start making passive income here: https://bit.ly/450w9j2

Is it actually possible to get rich quick especially in real estate? Most people (myself included) have scoffed at the idea, labeling it a scam or at best, a fantasy. But in today’s episode, my guest Shiloh Lundahl lays out a real-world case study that proves it's not only possible, but also repeatable if you're willing to do it the right way.

Shiloh is a licensed therapist by day and a savvy real estate investor by night, having built a portfolio of over 250 properties (many in Costa Rica) and created over $8 million in equity within a matter of years. He didn’t win the lottery or hit a crypto jackpot he built a strategic, disciplined real estate business from scratch while maintaining his therapy practice. Today, he’s here to share how you can do the same.

We explore what "rich" and "quick" really mean. Is becoming a millionaire within five years fast? Absolutely. But it’s not magic it’s math, consistency, and smart decision-making. Shiloh breaks down his journey from funding his first flip with a home equity line to scaling a company using lease options, the BRRRR method, and carefully developed systems. He emphasizes the importance of paying yourself first, living below your means, and discipline even after your first big deal.

This episode is packed with practical advice for anyone starting out with little capital. We dive into how to set up a separate "freedom account," automate your deal flow with wholesaler lists, and evaluate real estate investments in just minutes a day. If you're overwhelmed by where to start, you’ll find this episode refreshingly actionable.

And the ripple effect? Shiloh doesn’t just build wealth for himself. He’s using that wealth to empower families in Costa Rica people who impacted him during his missionary service decades ago. That’s the heart of this show: creating freedom so you can bless others.

If you're tired of slow-and-steady advice that doesn’t apply to your ambition, this is the episode that will shift your mindset and challenge your current approach to wealth. It’s not about hype it’s about process. Shiloh's link: - Website: https://meetshiloh.com/ - LinkedIn: https://www.linkedin.com/in/shiloh-lundahl-ab211124/ -  Facebook: https://www.facebook.com/Blueequitiesrealestateinvestments/ - YT channel: https://www.youtube.com/channel/UC4iFd8KeuyISzS9mGPGu66Q - IG: https://www.instagram.com/shilohlundahl?igsh=N280dWNsbmticDdx 

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.

Doug's links:

- Website: https://dougthorpe.com/  - LinkedIn: https://www.linkedin.com/in/dougthorpe/  - YouTube: https://www.youtube.com/@dougthorpe   - X: https://x.com/dougthorpe_com  - Pinterest: https://www.pinterest.com/dougthorpe_com/