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

Can you actually collapse time and reach your passive income and time freedom goals faster without adding more hours or more hustle? 

In this episode, I sit down with Dr Nona Djavid, a former seven-figure chiropractor turned mindset mentor, speaker, and author of Elevate Your Life. She blends her background in neuroscience with deep spiritual practice to help entrepreneurs accelerate results while working less and today, she’s revealing exactly how.

Nona shares her personal journey from running a full-time, high-stress chiropractic business to redesigning her life for freedom, income, and joy. She opens up about the burnout that hit after achieving traditional “success” and how it forced her to rethink everything. 

You’ll hear how she transitioned to running multi–seven figure businesses while working just one week a month, and why it wasn’t just strategy it was the mindset, energy, and identity shifts that made the difference.

We explore her four-step process for a quantum leap, including:

- Crafting a crystal-clear vision you commit to daily - Expanding your identity to align with the life you want - Embodying that future self now - Taking bold, “unreasonable” action from your desired destination, not your current situation

If you’ve ever been driven by fear, scarcity, or the pressure to prove yourself, Nona’s story will resonate deeply. She reveals how she went from fear-fueled success to abundance-driven freedom, and how you can do the same whether you’re stuck in the grind or already successful but exhausted.

This is a conversation for every entrepreneur, business owner, or founder who wants to create more income in less time, without sacrificing health, relationships, or purpose. 

You’ll learn practical ways to shorten the path to your goals and shift from struggle to “sexy money” income that flows with ease.

Start making passive income here: https://bit.ly/45r1HNC 

You’ve done everything "right" you scrimped, you saved, you paid off debt, and you packed your 401(k) for decades. But deep down… you still don’t feel financially free. Why?

In this episode, I break down why financial freedom is not a number, and why savers especially disciplined ones can end up trapped in the exact system they worked so hard to follow.

You’ll hear me react to a powerful call into The Ramsey Show where a man with $1.7 million saved admits he still feels afraid to spend even $4,000 on a vacation. Despite doing all the "right" things working hard, saving consistently, staying out of debt he's still trapped in a scarcity mindset. And what Dave Ramsey told him next was surprisingly good… but also reveals a deeper issue that never gets addressed in traditional financial advice.

Here’s the truth: money is meant to be used, not hoarded. Saving is a tool, but stewardship is a mindset. I’m not here to shame savers I used to be one. But the problem is that most of us were taught to fear money, not to master it. That fear follows you—whether you have $100K, $1 million, or $10 million. You never feel free because you were never taught how to think like someone who is free.

In this episode, I challenge the entire way we define retirement, wealth, and freedom. I offer a new path a steward's mindset where you stop living for “someday” and start asking, “What kind of impact could I make now?”

I walk you through:

- Why even “rich” people don’t feel free - How fear and scarcity block your ability to enjoy life - What it means to be a steward vs. a saver - How to use your money to create meaning, not just survive - Why $50K a year from $1.7M isn't enough and how to do better - The one mindset shift that creates peace around money

If you’ve ever felt like you’re doing everything right, but still feel like something’s missing you’re not crazy. 

You’re stuck in a system that was never designed to set you free. It's time to flip the script and reclaim your financial power.

Financial freedom isn’t a number. It’s a mindset. A way of being. And it’s available to you now not 30 years from now.

Ready to become a true steward of your wealth? Then listen in and let’s start living life differently.

Start making passive income here: https://bit.ly/452F2s6 

You’re earning six or even seven figures, but you still can’t walk away. 

Why is it that so many high-income earners doctors, business owners, dentists, professionals feel like they’re trapped on the financial treadmill?

That’s the question I’m digging into today.

This episode is dedicated to breaking down a painful truth: Just because you make good money doesn’t mean you’re good with money. And it definitely doesn’t mean you’re financially free. Over the years, I’ve worked with hundreds of high-income earners who are still stuck living paycheck to paycheck only their paycheck just happens to be a lot bigger.

In this episode, I explain why your income-producing skillset is only one of the three key financial muscles you need. The real secret to building lasting wealth and freedom lies in mastering how to manage your money like a steward and ultimately, learning how to grow that money through smart investing that creates passive income right now, not decades from now.

I’ll walk you through the differences between spenders, savers, and stewards and why even the most disciplined savers are still falling short of financial independence. I share stories from my early years in financial advising, what I learned from my high-earning (but not financially free) brother-in-law, and the shocking truth behind why so many people with big homes and luxury cars are quietly anxious about money behind closed doors.

I also dive into why I believe 401(k)s and IRAs are traps for anyone who wants to retire early or achieve true work-optional freedom. The advice you’ve been given by mainstream financial media is outdated and I’m here to explain what really works. You’ll learn why investing isn’t just about knowledge it’s about connection and strategy and how my team at Money Ripples helps people build wealth faster by becoming strategic stewards of their finances.

If you’re tired of hustling just to stay afloat or if you’re crushing it with income but can’t figure out how to make that money work for you this episode will give you the roadmap. I’ll even share how you can qualify for our intimate, exclusive Work Optional Mastermind in Park City this fall, where you’ll connect with other financially-minded leaders on the same journey.

Financial freedom isn’t reserved for those who hit the jackpot. It’s built by those who learn the right skills. And today, I’m going to help you start building those.

Start making passive income here: https://bit.ly/4mdtWq8 

What is real wealth? Is it just about passive income and financial freedom or could it mean something deeper, more holistic, and far more fulfilling?

In this powerful episode of the Money Ripples Podcast, I sit down again with my good friend and longtime wealth and wellness advocate, Krisstina Wise. Krisstina is a wealth coach, entrepreneur, and host of the Wealthy Wealthy Podcast. She shares her deeply personal story of rising from a single-wide trailer home and a background of trauma to becoming a multi-millionaire, only to hit a shocking health crisis at the peak of her career that forced her to redefine what true wealth really means.

We go deep into the unseen trade-offs high-achievers often make health, relationships, peace of mind in the endless pursuit of success. Krisstina opens up about how her own journey through heavy metal poisoning, mold toxicity, and a complete nervous breakdown changed everything for her. Despite being at the top of her industry and earning over seven figures annually, her body gave out. And no amount of money could fix it overnight.

This episode is not just a cautionary tale it’s an invitation to rethink wealth. We explore how money, while necessary and powerful, is just one component of a truly rich life. You’ll hear why investing in your health, your relationships, and your mindset is just as critical as investing in real estate or business. Krisstina calls this the pursuit of "wealth in all areas of life" money, body, mind, and love.

We also dig into our similar upbringings in trailer parks, how environment influences identity and trajectory, and why it's so critical to change your container the people you’re around and the mindset you're immersed in if you want lasting transformation.

This episode is also your exclusive behind-the-scenes preview of Krisstina's Longevity Live event in Park City this September. I’ll be one of the speakers, and we’re curating a powerful, intimate space where high-level thinkers, entrepreneurs, and investors come together to build not just wealth but a legacy of health and deep fulfillment. If you're feeling stuck, stagnant, or just want more out of life, this is your opportunity.

You’ll walk away from this episode with:

- A new definition of wealth that includes purpose and peace - Real-life strategies to balance wealth creation with health and relationships - The mindset shift that separates successful investors from everyone else - The power of surrounding yourself with high-level communities - And why live, in-person events like this one can accelerate your growth like nothing else

Whether you’re on your journey to financial freedom or already there but craving something deeper, this episode will challenge, inspire, and equip you to step fully into real, lasting wealth.

You can start making passive income by just clicking here: https://bit.ly/3JcV2iA  You’ve been told for decades that your 401k match is a “100% return.” 

Every financial advisor parrots it as the easiest, most brainless investment decision you’ll ever make. But what if I told you the math doesn’t actually add up? What if that so-called 100% return is really just smoke and mirrors and you could be doing far better on your own?

In this episode, I break down the myth of the 401k match with real numbers.

Using simple math and the power of compounding, I show you why a dollar-for-dollar match is not the golden goose you’ve been led to believe. In reality, it’s not a 100% return it’s closer to an additional 2–3% effective rate of return over the long haul. And the longer you keep your money trapped in a 401k, the worse that match looks.

We dive into why 401k performance often lags behind even simple index investing, thanks to high fees and underperforming target date funds. I reference Fidelity’s 10-year track record, which shows average investors losing more than 2% annually compared to the S&P 500 before fees. Add in administrative costs and suddenly your “match” doesn’t look like much of a win at all.

I also share why the rule of 72 exposes the ugly truth: the longer you keep money in a 401k, the weaker the match becomes as compounding works against you. Instead of real wealth-building, you’re left with decades of locked-up money, little control, and results that often disappoint retirees who thought they’d have millions saved.

But here’s the real kicker: I show you how one client turned his 401k into a wealth-building machine by using in-service distributions. Instead of letting his money sit locked away, he pulled funds out, bought over $1 million in real estate, and created real passive income for retirement. That’s the difference between theory and financial freedom.

If you’re tired of believing Wall Street’s lies, this episode will open your eyes. I’ll explain why the match is not what it seems, why your company loves it (hint: guaranteed fees), and most importantly, what you can do differently to actually create financial independence not just someday, but now. Don’t let your legacy be tied up in a tax-deferred prison. Learn how to free your money and put it to work today.

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

You've been told your whole life that if you want big returns, you’ve got to take big risks. But what if that belief is what's keeping you broke?

In this episode, I go deep on one of the biggest lies we’ve been sold by the financial industry: "High risk creates high returns." I spent years as a financial advisor teaching this same line until I woke up to how wealth is really created. And here’s the truth: Wealthy people don’t gamble. They minimize risk and multiply returns.

I break down why this myth is so deeply ingrained in our thinking spoiler: it comes from the very financial institutions that profit from keeping you in the dark. I show you how banks, Wall Street firms, and even your own financial advisor don't take big risks at all. In fact, they make money whether you win or lose because they make guaranteed fees. It’s your money that’s on the line, not theirs.

I explain what real risk is (hint: it’s the chance of loss), and why believing that more risk equals more reward is a gambler’s mindset, not an investor’s strategy. From my own days as a stock trader to the lessons I learned in alternative investing, I reveal how smart investors think differently and how you can too.

You'll also hear real-world examples from my own investing experience how I evaluate real estate deals, vet operators, analyze loan-to-value ratios, and even how to protect your investments by asking one key question: “Other than the return, why would I do this?”

I also walk you through:

- Why diversification is often a false sense of security - The mindset that separates real investors from wishful thinkers - How to apply the “lower risk, higher return” principle across real estate, lending, business, and more - What to look for when partnering with an investor or operator - How due diligence and character assessments protect your money - Why banks are the best risk managers and what we can learn from them

Plus, I unpack what Warren Buffett, Walt Disney, and even a client-turned-CEO of an oil project all have in common: They knew how to minimize risk while maximizing control.

This isn’t theory it’s practical, proven, and necessary if you want to build true financial independence and lasting generational wealth. The wealthy play a different game, and I’m here to help you join them. So stop gambling and start thinking like an investor.

Start making passive income here: https://bit.ly/452ttzK 

Is real estate really the golden ticket to time and financial freedom or is it just another trap? 

That’s what I’m unpacking today with industry veteran David Olds, a real estate investor who has transacted over half a billion dollars in closings and now runs Easy REI Closings, a business dedicated to helping real estate investors close complex deals efficiently.

If you’ve ever thought, “Real estate sounds great, but it seems like too much work,” this episode is for you. I sat down with David to dive into the real realities of investing in real estate both the good and the not-so-glamorous. With over 20 years in the trenches, David reveals how he started with zero money, flipping properties in Florida, and grew to owning 87 rental units and running a business that serves investors nationwide.

We tackle the age-old question: Can real estate truly be passive? 

David breaks down the time vs. money tradeoff that every investor faces and how your investing strategy needs to evolve as your life changes. Whether you're swinging hammers or writing checks, he explains how to navigate your role and buy back your time while still building a strong, cash-flowing portfolio.

You’ll hear how Easy REI Closings is taking the pain out of real estate transactions by handling title, paperwork, and problem-solving so investors can focus on finding deals and making money not chasing missing trust docs or fighting with title companies. Whether you're closing one property a quarter or thirty a month, David shows how crucial it is to delegate the paperwork if you're serious about scaling.

And if you’ve ever had a deal fall apart due to unforeseen title issues, David shares how nearly 50% of deals fail not because of bad negotiation, but because of back-end problems no one knows how to solve. He’s seen it all: trusts without documents, bankruptcies, missing heirs, and even foreclosures stopped in their tracks.

We also touch on the mindset and habits that separate successful real estate entrepreneurs from the rest: being coachable, ditching the lone wolf mentality, and focusing on high-value tasks. David’s personal transformation story from doing everything himself to building a team of 25 drives home why your biggest ROI comes from hiring the right help and focusing on your unique strengths.

If you’re wondering how to turn real estate into true time freedom, this episode will change how you approach investing. Whether you’re a beginner or you’ve done hundreds of deals, you’ll walk away with insights that will save you time, money, and frustration.

David's links: WebsiteL https://ezreiclosings.com/  LinkedIn: https://www.linkedin.com/in/davidoldsrei/  Facebook: https://www.facebook.com/davidoldsrealestate/  Instagram: https://www.instagram.com/davidoldsrei?igsh=ZGI4MjhyM2k1ZDZ2 

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

You’ve heard it your whole life: “Real estate is risky.” But what if that belief has been feeding you the biggest lie in investing?

In this podcast episode, I’m going to shatter that myth and show you why Wall Street might be the riskiest gamble of all and how real estate could actually be your true path to financial freedom.

We’ve been programmed to believe that if we just keep throwing our money into mutual funds and 401(k)s, everything will work out. But let’s be honest how many people do you know that have actually achieved true financial freedom that way? Not many. I’m diving deep into historical data and uncovering what really happens to your wealth when it's in the stock market… especially during recessions.

I walk you through the actual charts of the S&P 500 vs. U.S. median home values over the past 70+ years. We analyze the patterns. We look at how both asset classes perform through every major recession since 1950. The results are shocking but they back up what I’ve seen again and again working with thousands of investors.

For example, the S&P 500 has had numerous drops of 40–50%, often taking years to recover. Meanwhile, real estate? It dipped in only one major recession and even then recovered faster than the stock market. And that’s not even counting the cash flow or the multiple profit centers real estate provides.

Look, there’s risk in everything including real estate. But the real risk comes from ignorance and blind trust in traditional financial advice. I’ve seen people gamble on stocks without understanding them, lose it all in options, and still come back thinking the markets are “safe.” That’s not safety that’s delusion.

I also talk about the difference between active and passive investing why trying to flip houses without a clue is risky, but passive real estate done right can build serious wealth. I share stories, stats, and personal examples that make it painfully obvious why most people have been sold the wrong narrative for too long.

So the next time someone says, “Real estate is risky,” pull out the receipts. This episode will arm you with the knowledge and confidence to counter that noise and make smart, strategic moves with your money.

If you’re tired of gambling on Wall Street, this episode will open your eyes to the truth: Real estate isn’t risky. Ignorance is.

Start making passive income here: https://bit.ly/458wUVX 

What if everything you've been taught about investing stocks, mutual funds, 401(k)s has not only been incomplete but flat-out wrong? What if Wall Street’s model isn’t designed to make you financially free... but to keep you dependent?

In this episode, I go deep into the hard truth many people don’t want to admit: Wall Street is a trap for most investors. I take you inside my personal journey, from being a licensed financial advisor and stock coach in the early 2000s, to discovering the real principles of investing that have helped my clients and I generate true passive income and time freedom. I was the guy who taught people how to invest in stocks and options, and yet I found myself disillusioned when I realized that none of my clients not even the financial advisors I worked with were becoming financially free through traditional investing methods.

You’ll hear how Wall Street and the government partnered together in the 1980s to replace pensions with 401(k)s and mutual funds, and how that partnership fueled billions of dollars in propaganda that’s still conditioning people today. It’s time we unlearn what’s been sold to us and look at what actually works alternative investments like real estate, private lending, business partnerships, and other cashflow-producing assets the wealthy have been using for decades.

This episode isn’t just a rant. I give you hard data, real-world experience, and the mental models you need to start breaking free from the status quo. I explain why mutual funds and ETFs even the S&P 500 fall short, especially when you realize the actual returns are far lower than the 10–12% you’re often told. Even Vanguard projects only 3–5% average returns over the next decade!

I also go into the math. Why try to live off 3% a year with your retirement funds when you could earn 10–12% with less risk and far more control? I show how investing outside of Wall Street in things backed by real assets like real estate or business can create predictable, passive income, even on a modest portfolio.

If you're tired of worrying about the stock market rollercoaster, tired of feeling like you’re not making progress despite saving and investing the “right” way this episode is for you.

Let me help you unplug from Wall Street’s narrative and tap into the same opportunities the wealthy have always had access to... because now, you can too.

Start making passive income here: https://bit.ly/46XMh5V  Multifamily investing has taken a beating the past few years but is the tide finally turning? 

That’s exactly what I dive into in this powerful conversation with real estate expert and Flipping Boston star Dave Seymour. If you’ve been wondering whether now is the right time to jump back into apartments or wait it out, Dave brings the real, unfiltered insights you need to hear.

Dave and I dig into the raw truth of what’s happened in commercial real estate: interest rate hikes, flawed underwriting, poor syndication practices, and why so many investors have been left holding the bag. But more importantly, we ask the critical question is the worst behind us, or is there still more to come?

Dave doesn’t hold back. He shares how nearly $3 trillion in commercial real estate loans are about to reset, what that means for passive investors, and how to position yourself now for the wave of opportunity that’s coming.

You’ll learn why distressed assets, particularly in the multifamily space, may offer one of the best long-term opportunities today if you’re working with the right operators and asking the right questions.

We also cover:

- The major difference between operators and syndicators - Why pro formas often lie and how to spot the red flags - What equity multiples really mean and how to evaluate them honestly - How Dave is helping everyday investors become educated partners in deals - The truth about underwriting, rent growth assumptions, and expense forecasts

If you're tired of the hype and want straight answers from someone who’s been through multiple cycles and has the battle scars to prove it this episode is for you. We even dig into Dave’s ripple effect, how he’s reshaping financial literacy, and why he believes the system is rigged in Wall Street’s favor unless you learn to play by a different set of rules.

Whether you're a seasoned LP, aspiring syndicator, or just someone watching from the sidelines wondering what’s next, you’ll come away from this episode with clarity, confidence, and a renewed sense of what it means to invest wisely. Dave's Links: LinkedIn: https://www.linkedin.com/in/daveseymour343/  Instagram: https://www.instagram.com/daveseymour343?igsh=MWsxaDF5eTJrOWoyZg==  Facebook: https://www.facebook.com/DaveSeymourLive/