Money Ripples Podcast

The Dangerous Lie Behind "High Risk, High Return"


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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.

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