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In this episode of The Money Ripples Podcast, I sit down with Dalton Locke, co-founder of MIT 45, host of The Spiritual Capitalist podcast, and a pioneer in blending capitalism with spiritual principles. Dalton shares his transformative journey from trauma-driven success to creating businesses that align with values, purpose, and impact.

We dive into how addressing personal traumas can lead to healthier success, why men often suffer in silence, and how rebuilding community is crucial in today’s disconnected world. Dalton also explains what spiritual capitalism means to him—using business as a tool for service, not just profit—and the ripple effect of aligning vision, purpose, and action.

Discover how to break free from fear-driven motivation, align your personal mission with your business, and create a life of greater meaning and abundance. Whether you’re an entrepreneur, investor, or someone seeking fulfillment, this episode will challenge and inspire you.

#capitalism #entrepernuer 

Dalton Links: Website: https://mit45.com/ Linkedin: https://www.linkedin.com/in/daltonl/ Podcast: https://podcasts.apple.com/us/podcast/spiritual-capitalist/id1756153008 Instagram: https://www.instagram.com/daltonlocke_/profilecard/?igsh=MWlraG1pMnAzMXU2cw== Facebook: https://www.facebook.com/Lockedinsuccess/?_rdr

Want to learn the way to invest in debt and make passive income? Click here: https://bit.ly/40Jts3r

In today’s episode, I dive into a question that may seem a bit counterintuitive: could debt actually be safer than equity? When it comes to real estate, we’re often taught to pursue ownership and build equity, but what if taking a debt position – being the lender instead of the owner – offers more security?

I share how banks view debt as a low-risk investment by ensuring they’re first in line to be repaid, a concept known as "priority in the capital stack." As I’ve seen in my experience, lenders often get paid before equity investors, particularly in challenging economic times. I cover how debt positions can yield stable returns with less risk compared to traditional equity investments, especially in uncertain markets.

00:00 – Is debt safer than equity? 01:05 – Welcome to Money Ripples 02:20 – Equity versus debt in investing 04:00 – Banks’ preference for debt 05:45 – Equity mindset versus debt 07:30 – Debt's position in capital stack 09:15 – Understanding senior and mezzanine debt 11:00 – Risks in equity investments 13:20 – Why banks prioritize debt 15:10 – Real estate market downturns 17:00 – Choosing debt over equity 19:30 – Example of debt priority 21:00 – Common pitfalls in equity 23:15 – Benefits of private lending 25:00 – First position in lending 27:05 – High equity as bank temptation 29:10 – Debt in rental properties 31:00 – Wrapping up and key takeaways

#gooddebt

Recession proof your cash with passive income. Start here: https://bit.ly/4fmsPRV

In this episode, I sit down with economic strategist Frances Stacey to dive into the current state of the economy and where things might be headed.

 Frances shares her thoughts on the Fed's policies, the yield curve, and whether we’re looking at a possible economic downturn. Together, we explore if liquidity and government spending can keep delaying a recession, or if underlying debt cycles will eventually catch up with us.

I also open up about my own experiences with making economic predictions and the challenges of reading market trends in today’s volatile landscape. Frances provides her educated perspectives on staying prepared, including key diversification strategies and the importance of interpreting technical market data beyond the usual media headlines. 

Join us to hear Frances’s insights on managing wealth during uncertain times, and her personal mission to address the growing wealth gap. Don’t miss this deep dive into the economic realities shaping our future and how you can be better prepared to navigate them.

Want to see if you qualify to be a client of ours. START HERE: https://bit.ly/4ftoSuz

In this episode, Chris Miles welcomes back Coach Craig Feld to discuss the benefits of joining a community of like-minded individuals on the path to financial freedom. Chris and Craig dive into the highlights of the recent Money Ripples Mastermind, discussing the powerful impact of learning from peers, facing financial fears, and celebrating wins together. They emphasize the importance of building a network for shared learning and mutual encouragement.

Key Takeaways:

• Surrounding yourself with a community of people who have similar financial goals can accelerate your journey to financial freedom.
• Financial freedom isn’t just about how much you make; it’s about how much you keep and grow.
• There is value in connecting with others who are open about financial struggles and learning from their challenges.
• The Money Ripples community offers a supportive environment where people can ask questions, celebrate victories, and seek guidance from those further along in the journey.

Try our passive income calculator: https://bit.ly/4fy7Paq

In this episode, I bring back John Briggs, founder of Incite Tax and author of The 3.3 Rule, to discuss how you can maximize productivity while working less. We dive into the science behind work cycles, how intentional breaks can boost your output, and how this productivity method is helping business owners and accountants avoid burnout. Plus, we’ll explore strategies for keeping more of what you earn by working with a proactive accountant.

Here’s What We Cover:

• Why the government isn’t great at spending your money—and why John’s goal is to help you keep more of it
• The origins of the 40-hour workweek and why it might be time to rethink it
• How the 3.3 Rule helps you maximize productivity with focused work blocks and intentional breaks
• How having a proactive accountant can save you significant money in taxes
• The importance of a “partner relationship” with your accountant
• Tips for business owners and entrepreneurs to balance productivity and taxes
• Adopting a productivity model like the 3.3 Rule can transform your workday efficiency while working with a proactive accountant can maximize your tax savings and overall wealth.

John Briggs links: Book: https://33rulebook.com/ LinkedIn: https://www.linkedin.com/in/johnbriggscpa/ Instagram: https://www.instagram.com/incitetax/profilecard/?igsh=YzJ6cWFhMWRoeWJu Website: https://incitetax.com/ Youtube: https://www.youtube.com/incitetax Facebook: https://www.facebook.com/incitetax

Retire earlier! Start with this calculator: https://bit.ly/48C5n0k

Are you tired of hearing that retirement has to wait until you’re 65 or older? In this episode, I break down why the traditional retirement approach isn’t serving most people and what you can do to create financial freedom on your own terms—sooner than you think. From why Social Security and the 4% rule may not be enough to how alternative investments like real estate can accelerate your financial goals, we’re tackling it all.

Here’s what I cover in this episode:

Why so many Americans are worried about running out of money in retirement Why relying on the “traditional” retirement path can leave you working longer than planned The outdated strategies financial “experts” are still pushing How alternative investments, including real estate, can unlock financial independence faster

Stop waiting and retire earlier with passive income! 

Unlock your passive income potential: https://bit.ly/4hD4OY3

What Is Preventing Business Owners from Growth? // Chris Miles

In this episode, I sit down with Staci Gray, founder of Organized to Scale, to dive into how business owners and investors can scale their ventures without giving up their freedom, joy, or well-being. Stacy shares her three-step approach – Architect, Build, and Operate – which helps entrepreneurs create systems that support both business growth and personal satisfaction.

Here's what we cover:

• The importance of organizing and scaling ourselves before scaling a business.
• How to architect a business to align with your personal values and goals.
• Defining what’s “enough” and how to avoid the trap of endless achievement.
• Recognizing and addressing control issues to build trust and delegate effectively.
• Finding fulfillment by serving others and creating a positive impact.
• Practical steps for normalizing the entrepreneurial journey and embracing personal growth.

Stacy also shares tools and resources to help you grow both personally and professionally. Whether you’re scaling a business or creating passive income, this episode is packed with insights on finding joy, purpose, and balance.

Connect with Staci Gray:

Website: https://organizetoscale.com/ Email: [email protected] Facebook: https://www.facebook.com/official.staci.gray Instagram: https://www.instagram.com/staci_gray/profilecard/?igsh=enV5MWFvbXJjZWd1 Linkedin: http://linkedin.com/in/stacigray

Want to know an election-proof plan for your finances?

Start here: https://bit.ly/3Ys7UFH

In this episode, I dive into a topic on many minds right now – how the upcoming presidential election could affect your finances, investments, and taxes. With all the talk of changing tax laws, potential market shifts, and political promises, it’s easy to feel uncertain about the future of your money. But here’s the truth: who you elect locally matters even more than who becomes president.

We’ll cover:

Why local elections often impact your taxes and finances more than federal decisions.

How our government’s checks and balances help prevent drastic changes, regardless of who’s president.

The dangers of waiting to invest or make financial moves because of political uncertainty. 

Why the best opportunities often come when others are waiting on the sidelines.

How to focus on smart, educated financial choices instead of media-fueled fears.

If you’re holding off on making decisions until after the election, this episode will give you the confidence to move forward now, ensuring that your money is working as hard as you do. Listen in to understand how to protect and grow your wealth no matter the political landscape.

Click here to start making passive income: https://bit.ly/3AgELVO

In this episode, I chat with Army Robinson about the intricate role that government policies and tax regulations play in shaping financial planning and investments. We explore how policies, like the upcoming Social Security adjustments and potential tax increases, impact the middle class and investors. Our conversation dives into the complexities of government involvement in financial services, from tax reform to estate planning, including the potential for more regulations on qualified plans and possible limitations on estate exemptions.

Army shares insights into the day-to-day challenges of educating policymakers who often lack financial backgrounds. They highlight the constant need to advocate for balanced policies, the risks of overregulation, and how financial legislation could impact future wealth-building strategies. Tune in to hear more about the ongoing battles in Washington and how they might affect your financial future.

Want to open a policy for yourself? Click here and let's chat: https://bit.ly/3AikXkY

In this episode, I dive into the big question: is whole life insurance a good investment?

I cover common debates around "buy term and invest the difference" versus whole life insurance, breaking down why whole life insurance isn't actually an investment, but a savings vehicle with guarantees and a death benefit. I explain the upfront costs, which whole life insurance may or may not be best for, and compare traditional whole life policies to the max ROI-focused policies I advocate for.

I also discuss how, if structured correctly, whole-life policies can be used to access cash for investing in other assets like real estate.

You'll see how these policies work over time, how they can provide tax advantages, and why they can actually outperform other investment strategies in some cases. I provide clear examples and real numbers to help you understand when and how whole life insurance might be beneficial, especially if you're looking for a way to grow wealth while keeping money accessible.

Stick around as I dispel myths about whole life insurance and clarify when it truly makes sense.