Most business owners lose thousands each year from 7 hidden money leaks.

See how much extra cash you could keep every month without earning more. It takes 30 seconds.

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We talk constantly about getting away from Wall Street investing and moving into more mainstream investing like real estate. But what if you could take it a step further? What if instead of owning the property… you became the bank?

In this episode of the Money Ripples Podcast, I sit down with bestselling author and note investing expert Fred Moskowitz to unpack how mortgage notes work and how you can generate passive income secured by real estate without managing tenants, toilets, or trash.

If you've ever wondered how banks make money or why they sell off loans on the secondary market this episode will open your eyes. Fred explains how everyday investors can step across the aisle from borrower to lender and start receiving monthly payments instead of making them.

We break down how note investing works, why banks sell loans at a discount, how investors can increase yield by buying below the loan balance, and how this strategy compares to owning rental properties. With rising interest rates, tighter margins, and increasing landlord fatigue, many investors are rethinking traditional real estate. This conversation will show you an alternative path that still keeps you backed by hard assets.

Fred shares how the secondary mortgage market functions through institutions like Fannie Mae and Freddie Mac, how loans move from banks to hedge funds to smaller investors, and how you can participate at your level whether you want to be an active investor building your own portfolio or a passive investor in a professionally managed note fund.

We also discuss leverage, liquidity, collateral protection, loan servicing, due diligence, and how note investing can even be done inside self-directed IRAs and 401(k)s. If you like the idea of real estate investing but don't want to manage properties or deal with tenant risk, note investing could be a powerful solution.

One of the biggest mindset shifts we talk about is this: in any transaction, the lender gets paid first. Whether a property is sold, refinanced, or foreclosed, lien holders are first in line before equity owners see a dime. That positioning can dramatically change your risk profile.

Fred also shares insights from his book, The Little Green Book of Note Investing, and explains how investors can get started in this asset class.

If you're serious about building passive income, protecting downside risk, and creating more control in your financial life, this episode will challenge how you think about real estate investing. Fred's links: - Website: https://www.fredmoskowitz.com/ - Facebook: https://www.facebook.com/thefredmoskowitz/ - LinkedIn: https://www.linkedin.com/in/thefredmoskowitz/ - Instagram: https://www.instagram.com/thefredmoskowitz/?hl=en

Most business owners lose thousands each year from 7 hidden money leaks.

See how much extra cash you could keep every month without earning more. It takes 30 seconds.

Click HERE to get your result.

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Have you been listening to JP Morgan, HSBC, Yahoo Finance, or the so-called Wall Street experts telling you the S&P 500 is heading to 7,500 or even 8,000? Are they predicting another 10%+ year in 2026 because of AI efficiencies and interest rate cuts? Let me be blunt: you shouldn't blindly trust them.

In this episode, I break down why Wall Street's stock market predictions are often self-serving, misleading, and potentially dangerous for your financial future. I say that as someone who used to be a financial advisor, a stock trader, and someone who once promoted the very system I now question. I understand how assets under management (AUM) works. The more money you keep in the market, the more they make, whether you win or lose.

Right now, we're seeing headlines claiming continued bull market momentum, fueled by artificial intelligence, productivity gains, and potential Federal Reserve rate cuts. But I want you to ask a deeper question: who benefits from you believing that narrative?

We've experienced a 17-year bull run since the 2009 bottom. Yes, there was a dip in 2022, but it was short-lived. The market roared back. Historically speaking, runs like this are rare. When you study 1929 and the Great Depression, you see eerie similarities, loose money policies, margin trading, overconfidence, and media hype. Today we have margin accounts, massive leverage, mutual funds nearly fully invested, and a public that believes "the market always goes up."

Sound familiar?

I also unpack the Smoot-Hawley Tariff Act of 1929 and compare it to today's renewed tariff discussions. Protectionist policies, leverage, speculative investing, and overconfidence can create the perfect storm. Add in modern AI hype, and you've got a powerful psychological cocktail that keeps retail investors pouring money into the stock market without questioning risk.

The problem isn't investing. The problem is complacency.

When financial institutions like JP Morgan predict higher S&P 500 targets, remember: they profit from your participation. Wall Street is incentivized to keep you invested. The media amplifies it. Meanwhile, smart money quietly shifts positions, into gold, silver, alternative assets, and cash-flowing investments that don't rely solely on market appreciation.

This episode is not about fear. It's about critical thinking.

I challenge you to question narratives. Ask why Wall Street continues projecting growth after historic returns. Consider how margin debt, leverage, and speculative behavior amplify volatility. Understand that when markets correct, they fall fast, and most people react too late.

If your retirement, your financial freedom, or your passive income strategy depends entirely on the stock market continuing its historic run, that's a risk worth reevaluating.

It's not a matter of if markets correct, it's when.

My goal isn't to predict the exact timing. My goal is to help you become work optional, financially resilient, and protected from the volatility that catches most investors off guard. If you want true financial freedom, you need to think beyond Wall Street.

Be smart. Be proactive. And don't outsource your thinking. Start making passive income here: https://bit.ly/3OtrWOQ

Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors.

See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds.

Click below to get your results - https://win.moneyripples.com/quiz Start making a passive income here: https://bit.ly/4asWDw7

What should you really be looking for as a passive investor? That's exactly what I unpack in this episode, recorded live at the Best Ever Conference with Alex Davis from Zeus Companies.

If you've ever considered passive real estate investing but hesitated because you weren't sure how to vet operators, read a PPM, or protect your capital, this episode is for you. I've seen too many people either stay stuck in the stock market out of fear or jump blindly into real estate syndications without doing proper due diligence. Neither is the right move.

Alex brings a unique perspective because she's been behind the curtain. She started in real estate completely green, working for a hard money lender, learning mortgage terms from scratch. Over time, she gained experience in underwriting, loan servicing, capital raising, note investing, and syndications. She has reviewed offering documents, processed deals, and seen firsthand what separates strong operators from risky ones.

In this conversation, we break down exactly what passive investors need to evaluate before wiring a single dollar. We talk about skin in the game. Is the operator investing their own capital, or are they only raising yours? We discuss transparency. Are they willing to walk through their PPM page by page? Can they clearly explain their compensation structure, risk factors, exit strategies, and reporting process?

We also dive into communication. What kind of updates should you expect? Monthly? Quarterly? Are there detailed financials? Will they share balance sheets? Do they offer third-party audits? If you're investing in a portfolio of notes or private lending deals, can they show you the actual notes?

Most importantly, we emphasize risk awareness. Any operator who tells you there's no risk is waving a red flag. There is always risk. The real question is: what could go wrong, and what systems are in place to mitigate it? As a passive investor, you must understand worst-case scenarios before you ever think about best-case returns.

We also cover how to evaluate deals based on your personal goals. Are you investing for monthly income? Long-term growth? Are you using structured funds or cash? How risk-averse are you? Not every real estate syndication or private lending deal is right for every investor.

This episode is about being a smart investor, not a "turn your brain off" investor. Passive income does not mean passive thinking. Whether you're considering hard money lending, healthcare syndications, debt funds, or other alternative investments, your job is to read, ask questions, verify, and measure the opportunity against your own financial strategy.

If you want your money working harder for you without blindly gambling it away, this episode will give you the practical framework you need to approach passive real estate investing with confidence and clarity.

Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors.

See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds.

Click below to get your results - https://win.moneyripples.com/quiz Start making passive income here: https://bit.ly/3MiyK17

If you've been listening to this show for any length of time, you know I'm a big believer in financial literacy. But in this episode, I'm calling out something most people don't want to admit: financial literacy is not enough. You can know the rules, memorize the strategies, even earn a high income and still feel trapped, anxious, or stuck in the same money patterns. That's why I brought on Johann Berlin, a leader with 20+ years of experience across the C-suite, asset management, and leadership development, who now focuses on the psychology of wealth and money.

Johann and I go deep into the invisible forces that shape how you earn, spend, save, and invest. We talk about the contracts you never consciously agreed to cultural expectations, family beliefs, and social benchmarking that quietly define what "success" is supposed to look like. And once you start chasing that moving target, the goalposts keep shifting. You can hit the number and still not feel free.

We also unpack how modern systems are engineered to hijack your attention. Frictionless payments. Buy-now-pay-later. The attention economy. Algorithms that narrow your worldview and amplify comparison. Most people don't realize they're being influenced by design by teams that understand neuroscience, behavior, and how to nudge you into decisions that benefit someone else's business model. If you've ever wondered why you can feel financially "behind" even while doing well on paper, this is part of the reason.

What I appreciated most about Johann's approach is that he doesn't shame anyone. He focuses on awareness because self-awareness creates the ability to choose. We discuss motivations that often drive money decisions: security, freedom, status, and purpose. None of those are inherently wrong, but when they're inherited unconsciously, they can run your life. That's where we get into his "Money Story Rewrite" concept recognizing one belief you're carrying that no longer serves you, and starting to rewire it with small, deliberate actions.

We also talk about a key distinction I teach all the time: financial independence is a number. Financial freedom is a state. You can be work optional and still feel yoked to money worries if your identity, your comparisons, or your habits are rooted in scarcity.

Johann offers a simple first step you can take in the next three days: pause before a purchase, get curious about what's driving it, and journal for just a few minutes. Small wins create momentum. Momentum creates agency. And agency is where freedom starts. Johann's links: - LinkedIn: https://www.linkedin.com/in/johannbberlin/ - Instagram: https://www.instagram.com/johannbberlin?igsh=dGxyczV0NzNmN2Fl - Facebook: https://www.facebook.com/johannbberlin - Website: https://www.truworthshift.com/ - Ig: https://www.instagram.com/yourtruworth/

Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors.

See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds.

Click below to get your results - https://win.moneyripples.com/quiz

Start making passive income here: https://bit.ly/3ODH6Rq

There are a lot of experts, gurus, and influencers out there telling you why you should start a business. In this episode, I'm taking the other side of that conversation: why you should not start a business, and how to know if entrepreneurship is actually a bad fit for you right now.

I've been a business owner for nearly 25 years, and I've lived the good, the bad, and the ugly. I started out as a financial advisor inside a company that did a decent job onboarding me with tools and personal development. I was reading books like Rich Dad Poor Dad and How to Win Friends and Influence People, and I was excited. But I learned fast that business isn't just "here's what I do" and people magically show up. You have to learn sales. You have to learn marketing. You have to learn the language of finance. You have to know how to stay profitable, build reserves, navigate credit and lines of credit, handle payroll, manage employees, build culture, and still cast vision. And if you're a solopreneur, you're carrying all of those roles at once. That's a lot, and it's not for everyone.

I also talk about what no one wants to admit: entrepreneurship isn't just "freedom." Freedom comes with responsibility, and responsibility comes with pressure. As an employee, you usually have an income floor, but you also have an income ceiling. As a business owner, you have no ceiling, but you also don't have a floor. You can make zero. You can even lose money. When cash gets tight, you're the one who has to figure it out.

I share a personal story from my early days: I was working a job for benefits while building my practice on the side, sometimes from 7:00 AM to 9:00 or 10:00 PM. When I finally went full-time, I thought I had a big month coming. Then reality hit. I panicked. And I didn't realize it at the time, but that scarcity and pressure showed up in my energy, and prospects backed away. My income actually dropped when I "went all in," and I eventually had to look for part-time work again. That experience taught me something important: if you need safety and security to perform well, you may be better off keeping business as a side hustle until your finances and mindset can handle the volatility.

We also talk about the "buy a business" trend, franchises, and why you might end up being the manager instead of the owner you imagined. I break down who tends to succeed faster (people with prior business experience), why the "80% fail in five years" stat is often misunderstood, and the real ugly side nobody highlights: distractions, market shifts, legal issues, and the mental load that causes most people to quit when it gets hard.

If you're thinking about starting a business, buying a business, or buying a franchise, listen to this first. My goal is to help you make a smarter decision, protect your family, and choose the path that actually fits your personality and your season of life whether that's entrepreneurship, intrapreneurship inside a company, or building freedom through passive income.

Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors.

See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds.

Click below to get your results - https://win.moneyripples.com/quiz

Start making passive income here: https://bit.ly/3ZPYC7H

Is there a statistic more concerning than the unemployment rate right now? Everyone keeps pointing to 4.4% unemployment like it's proof that everything is fine. But what if that number is hiding a much bigger economic problem?

In this episode, I break down why underemployment may be a far more important economic indicator than the traditional unemployment rate. If you're watching the economy, investing in passive income, or trying to protect your financial future, this is something you need to understand.

Right now, nearly 8.8 million Americans are working multiple jobs. Another 5.3 million are working part-time for economic reasons. Many of them want full-time work but simply cannot find it. These individuals are technically "employed," but they are not employed enough. And that distinction changes everything.

We've moved from a one-income household… to two-income households… and now to multiple-income-per-person households just to make ends meet. Rising prices, wage stagnation, inflation manipulation, and affordability pressures are quietly squeezing the middle class. While the Federal Reserve, labor statistics, and media headlines may highlight low unemployment numbers, they are not talking enough about job quality, income stability, and economic sentiment.

I also explain why sluggish job growth, rising inflation, and declining consumer confidence matter more than headline unemployment numbers. We discuss how inflation outpacing wages impacts spending, why multiple job holders are increasing, and how this creates ripple effects throughout the broader economy. When money exchanges hands more slowly, everyone feels it.

We'll also talk about the real danger signals: hiring freezes, tech layoffs, shrinking demand, and tightening household cash flow. This isn't about fear. It's about awareness. If people are forced into multiple gigs just to survive, that tells you something deeper is happening beneath the surface.

Most importantly, I share what you can actually do about it.

You cannot control government statistics. You cannot control Federal Reserve policy. But you can control your own economy. The key right now is value creation. The people who thrive in uncertain economic cycles are those who solve bigger and better problems. It's not about chasing another degree. It's not about grabbing more random side hustles. It's about increasing your usefulness, strengthening your skill set, and positioning yourself as someone who creates real value in the marketplace.

If you want to build passive income, increase cash flow, and protect your financial future in today's shifting economy, this episode will help you see what most people are missing.

Many business owners unknowingly lose thousands each year. It's usually caused by 7 hidden factors.

See how much extra cash you can keep every month… without earning a penny more; it takes 30 seconds.

Click below to get your results - https://win.moneyripples.com/quiz Start making passive income here: https://bit.ly/45VaicD

What if I told you there's a resource even more powerful than AI when it comes to investing, decision-making, and creating lasting wealth? In this episode of the Money Ripples Podcast, I'm breaking down why AI isn't the ultimate answer and why relying on it too heavily may actually hurt your financial future.

Don't get me wrong. I love artificial intelligence. I use it. It's an incredible tool for gathering information, organizing data, and speeding up processes. But lately, I've noticed something troublingnot just in my own life, but with clients inside Money Ripples and investors everywhere. We're becoming too dependent on AI to do our thinking for us.

That's why I introduce a concept I call HI Heavenly Intelligence.

Now before you tune out, hear me out. Whether you believe in God like I do, or you see this as intuition, universal intelligence, or inner wisdom, the principle is the same. There is a deeper source of insight that AI simply cannot replace. AI can aggregate information, but it cannot tell you what decision is right for you.

I share how some of my best investment decisions came not from spreadsheets, projections, or AI prompts—but from quiet reflection, prayer, and listening to that internal signal. I also share real stories where ignoring intuition led to massive financial losses, including one situation where an investor disappeared with $26 million and another involving regulatory investigations that could have been avoided.

I explain why the majority opinion whether it comes from AI, Google, financial influencers, or social media—is often wrong. If the majority were right, most people would be financially free. They aren't. And that's exactly why blindly following popular advice is dangerous.

We also talk about:

• Why over-reliance on AI weakens critical thinking
• How intuition plays a role in due diligence and investing
• Why financial influencers often teach theory, not wisdom
• How noise creates paralysis and confusion
• Why silence is becoming one of the most valuable assets in investing
• How greed overrides intuition and leads to bad decisions
• Why smooth, intentional action not constant movement creates prosperity

I challenge you to disconnect from the noise, even briefly each day. Turn off the media. Turn off the inputs. Create space to listen. Because the next step in your financial journey might not come from AI it might come from a quiet voice you've been ignoring.

If you want better results in investing, wealth building, and life, this episode will push you to rethink where your decisions are really coming from.

Infinite banking is often misunderstood and poorly implemented. Before you commit or write it off completely, book a call with Parker to understand how this strategy is being used today for cashflow, flexibility, and long-term planning. Book a call here: https://bit.ly/4aDjeG5 When it comes to infinite banking, the conversation is changing. It's no longer just about using life insurance to double dip or fund short-term investments. In this episode of the Money Ripples Podcast, I sit down with our resident infinite banking expert, Parker Jardin, to unpack how people are actually using infinite banking today and why the focus has shifted toward long-term stability, legacy, and multi-generational wealth.

Over the years, I've watched infinite banking evolve from a niche concept into a foundational financial strategy for entrepreneurs, investors, and families who want certainty in an increasingly uncertain world. In this conversation, Parker shares his personal story of starting a whole life insurance policy at just 17 years old and how it became the backbone of his financial life, funding college, controlling debt, and eventually creating long-term cashflow and generational wealth.

We dive deep into why infinite banking is no longer just about financing cars or chasing returns. Today, people are using it as a defensive asset, a cashflow engine, and a tax-advantaged legacy tool. Parker explains why more clients are intentionally holding larger cash reserves inside their policies, valuing liquidity, predictability, and control over speculation.

We also address one of the most misunderstood topics in infinite banking: financing vehicles. Parker breaks down when it makes sense to use policy loans, when traditional low-interest financing may be better, and why infinite banking should be viewed as an option not an obligation. This episode clears up misinformation, including common arguments made by critics like Dave Ramsey, and explains why properly designed policies behave very differently than what most people have experienced.

One of the most powerful shifts we discuss is multi-generational planning. More parents are setting up policies for their children and even grandchildren, not just for money, but to instill financial discipline, long-term thinking, and healthy money habits. Parker explains how infinite banking teaches principles like saving first, understanding leverage, efficient debt, compounding, and financial stewardship lessons that are far more valuable than the dollars themselves.

We also talk about how it's possible to spend more money from your policies than you ever put in, while still leaving behind a significant death benefit for your family. This concept alone challenges nearly everything most people believe about retirement, income planning, and legacy.

If you're tired of one-size-fits-all financial advice, worried about market volatility, or looking for a way to build wealth that supports both your life today and your family's future, this episode will completely reframe how you see infinite banking.

Start making passive income here: https://bit.ly/4qigcf6

If you're trying to save your first $100,000 and wondering the fastest, smartest way to do it, this episode is for you. I recently came across a video featuring Tori Dunlap, creator of Her First $100K, where she explains how she saved her first six figures by age 25. She shares some solid advice but there are also some dangerous assumptions that could actually slow you down if you're not careful. In this episode, I break down what she got right, what she got wrong, and how I believe you can reach your first $100,000 even faster.

I walk through Tori's core strategies: increasing income through job negotiation, saving a high percentage of income, avoiding student loan debt, and building side hustles. I agree with much of this and add important nuance from my own experience especially for those who didn't have financial help, had student loans, or lived through real market downturns. I share how I personally reached my first $100,000 by age 28 after starting out broke, with student loans, low-paying jobs, and a struggling business.

Where this episode really matters is in the cashflow conversation. I explain why focusing solely on investing—especially in 401(k)s and index funds can actually trap you financially if your cashflow is weak. I challenge the idea that stock market returns will always outperform debt, explain why 401(k) matches are massively overhyped, and show why liquidity matters more than rate of return when you're building your first six figures.

We also dig into emergency funds, why three months is not enough, how high-income earners actually need larger reserves, and why paying off certain debts can improve your financial life faster than investing ever could. I explain why "you don't need to be debt-free to be financially free," but you do need strong cashflow and control of your money.

If you're stuck paycheck to paycheck, frustrated with traditional financial advice, or tired of being told to "just invest more," this episode will give you a clearer, faster path. I lay out my proven framework: get lean, get liquid, focus on cashflow first, and only then move into investing. This is the same process I used not once but twice after rebuilding my wealth following financial setbacks.

If your goal is to hit your first $100,000 without locking your money away, stressing about market crashes, or relying on hope-based investing, this episode will change how you think about money forever.

Start making passive income here: https://bit.ly/49UVQDW

Most people who tell me they "don't have money to invest" actually do have it, they just don't know where to find it. In this episode, I break down three practical, proven ways to find money you already have, so you can finally start investing and creating passive income without waiting years or decades.

I created this episode specifically for those of you who feel like you make decent money, but somehow it always disappears. You look at your income and think, "I should be way farther ahead than this." I've been there myself. During the last recession, I was completely broke, losing over $15,000 a month, and had to learn fast how to free up cash just to survive. These are the same strategies I used to rebuild, escape the rat race, and become work optional by the end of 2016.

First, we talk about stopping money leaks. This isn't about living on rice and beans. It's about awareness. I explain why tracking your money weekly not monthly is one of the most powerful habits you can build. From subscription creep to overdraft fees to expenses you don't even realize are draining you, I share real examples of clients who freed up hundreds to thousands of dollars per month simply by paying attention.

Second, we dive into debt optimization, not debt elimination. I explain why paying off debt based solely on interest rates is often a mistake, and how using my Cashflow Index strategy can instantly increase your monthly cashflow. You'll hear real client examples where restructuring debt not investing was the smartest first move, freeing up more cash than a rental property ever could.

Third, we talk about taxes, especially for business owners, solopreneurs, and side hustlers. This is one of the most overlooked sources of investable cash. I walk through real scenarios where people were overpaying taxes by five, ten, even thirty thousand dollars per year simply because they were set up wrong. In many cases, the fix wasn't complicated it just required the right strategy and the right advisors.

Then I give you a bonus fourth strategy that most people miss entirely: income growth. Expenses have a limit. Income doesn't. I explain why chasing small investment returns too early can slow you down, and why focusing on delivering more value whether as an employee or business owner creates far more momentum. This is how you accelerate wealth, not just hope for it.

Finally, I announce Cashflow Breakthrough, a brand-new coaching program designed specifically for people who want to invest but don't know where the money is supposed to come from. This is one-on-one help to identify money leaks, restructure debt, optimize taxes, and increase income so you can actually build the cash needed to invest with confidence.

If you want more money to invest, this episode will show you exactly where to find it.