Start making passive income here: https://bit.ly/4jY8ggw

Is now the right time to invest in multifamily real estate or is there a better strategy on the horizon?

That’s the million-dollar question I’m unpacking with my longtime friend and multifamily investing expert, Lane Kawaoka. If you’ve been wondering whether apartments are still the king of passive income or if there's a new opportunity that could perform even better, this episode will give you the clarity you've been looking for.

Lane and I go way back. He’s not only been a repeated guest on this show, but he’s also built an impressive career over the last 15+ years investing in multifamily real estate, syndications, and now, private equity. His latest pivot is something every serious investor should pay attention to.

In this episode, we explore what’s working, what’s not, and how the investment landscape is evolving especially in light of high interest rates, tightening lending conditions, and market uncertainty.

You’ll hear Lane talk about his own journey from being a 401(k) guy to controlling multimillion-dollar assets. He opens up about lessons learned from real estate cycles, how he’s now navigating the headwinds in commercial multifamily, and why private equity might be the next big wealth trend. We also dig into the economics behind syndications, the realities of DSCR (debt service coverage ratio), and why LTV (loan-to-value) is often more important than the interest rate itself.

If you’re an accredited investor looking to level up, Lane introduces his concept of the Wealth Elevator, showing how your investing approach should evolve as your net worth increases. And if you’re on the first floor, wondering how to even get started, we don’t leave you behind—we break down real steps for you, too.

Plus, we dive into why business ownership and private equity are gaining popularity as scalable investment vehicles. Whether it's plumbing companies, HVAC, or even financial services, Lane explains how his group is adding value in blue-collar spaces that many overlook.

This episode isn’t just about theory it’s about the practical moves you can make to start or scale your passive income journey. Whether you're working your way up or looking to preserve a significant portfolio, this episode will challenge your thinking, open your eyes to hidden opportunities, and help you decide if multifamily real estate still deserves a spot in your financial strategy.

Let's chat about infinite banking: https://bit.ly/4lDK4Bw

Is Velocity Banking the same as Infinite Banking? Not even close.

In this episode, I, Chris Miles—cashflow expert and anti-financial advisor—break down the key differences between two often-confused wealth strategies: Velocity Banking (using home equity lines of credit) and Infinite Banking (using whole life insurance policies for tax-advantaged growth and liquidity).

While both strategies involve the concept of "banking on yourself" and accelerating financial growth, they are NOT created equal—and knowing the difference could protect you from major financial setbacks.

You'll learn:

• What Infinite Banking really is (and what it’s not)

• How Velocity Banking works using your home equity

• Why Infinite Banking gives you better long-term control, protection, and growth

• The hidden dangers of using HELOCs as your primary strategy

• The real-life example of a client who lost access to her HELOC overnight

• How people using Velocity Banking are now involved in lawsuits

• Why I used a hybrid approach—and how you can too

We’re seeing a massive uptick in people using Infinite Banking right now—and for good reason. With whole life insurance, you gain:

• Predictable growth (up to 6%+ today)

• Tax-free access to your money

• Protection from banks, creditors, lawsuits, and the IRS

• And the ability to double dip by investing your money while still earning interest

If you’ve been considering using either of these strategies—or if you’re wondering how to maximize your cash today—you need to listen all the way through.

Start making passive income: https://bit.ly/4lJ54a7

Get funded now: https://fundandgrow.com/moneyripples

Are banks turning you down for business funding? Wondering how to actually make your business "bankable" in 2025—without maxing out your personal credit cards or falling for social media myths?

In this episode of the Money Ripples podcast, I, Chris Miles, sit down with Amanda Webster—Director of Partnerships at Fund&Grow and a true expert in the world of business credit—to break down how business owners can actually get access to the money they need without sabotaging their future.

Whether you're a brand new entrepreneur or an experienced business owner trying to scale, Amanda explains why traditional advice about building business credit often leads to confusion—and in some cases, legal trouble. From the truth about personal guarantees, to credit card stacking myths, to the essential banking relationships you need to be building now, we cover it all.

You’ll learn:

• The key differences between personal credit and business credit (and why they matter)

• Why EINs don't automatically create business credit—and how to fix it

• What makes you "sexy" to banks in 2025

• Why business credit cards aren't as risky as you’ve been told (if used properly)

• What to do in your first 1–2 years of business to become fundable

• Why bank relationships are EVERYTHING (and how to build them)

• The right time to use SBA loans, lines of credit, or vendor trade lines

• Why you should NEVER use your debit card for business expenses

• And the #1 mistake people make when searching “business credit hacks” on YouTube or TikTok

Amanda even shares how Fund&Grow helps clients secure up to six figures in business credit using smart, phased approaches that align with each stage of your business. You’ll hear how their system works—and how you can get started with a FREE consultation through the link below.

Recession proof yourself now: https://bit.ly/4443Qjw

Are we already in a recession? Are tariffs pushing us closer—or just being used as a scapegoat?

In this eye-opening episode of the Money Ripples Podcast, I break down what’s really going on with the U.S. economy in 2025. Yes, tariffs are making headlines, but they’re just one piece of a much larger puzzle. What’s really threatening your money and financial security?

Spoiler: It’s not just China or trade policies—it’s YOU, your cash reserves, your debt, and what you're doing with your investments right now.

In this solo episode, I dive deep into:

• What JPMorgan CEO Jamie Dimon actually said about a likely recession

• The real indicators of a recession that no one’s talking about (hint: consumer debt)

• Why government spending is masking the true state of our economy

• The eerie similarity between today and 1934’s Smoot-Hawley tariffs

• How the velocity of money—and fear—are slowing down the economy

• The shocking delinquency rates in auto loans and FHA mortgages

• Why you must stay liquid and stop trusting the stock market right now

• The alternatives I’m personally using: real estate, lending, and infinite banking

Your passive income dreams start now: https://bit.ly/4cw0Q1f

Are you a business owner who’s tired of the hustle and grind and wondering how to grow without spending your entire life chasing leads or spending thousands on paid ads?

In this episode of the Money Ripples Podcast, Chris Miles brings on Kyle Rogers, founder of ScaleSalesTeams.com, to show you exactly how to explode your business using collaborations and joint ventures—without cold DMs, shady sales tactics, or paid traffic.

Kyle reveals how he grew a $2.5 million business without running a single ad—just by building authentic relationships, cross-promotions, and strategic partnerships. Whether you’re an online entrepreneur, coach, or real estate investor, these principles apply to you.

We cover:

• Why “giving value” in DMs can actually be the new spam
• How to make JV and influencer marketing work—even if you have NO audience
• The biggest mistakes business owners make when trying to connect with others
• How to use name-dropping and networking ethically to get high-level guests and clients
• Why authentic relationships are the fastest way to grow your reach
• The energetic (and spiritual) side of selling that most business owners overlook
• How Kyle’s setters only get paid when he gets paid—and how you can set that up too
• A free script to land collaborations even if you’re just starting out

Kyle’s method is NOT about chasing or begging for attention. It’s about being intentional, authentic, and magnetic. It’s about using energy, connection, and aligned strategy to build a movement—not just a customer base.

If you’ve been frustrated with paid ads, cold outreach, or “always having to be on,” this episode will be a game-changer.

Want Kyle’s FREE collaboration script? Visit https://scalesalesteams.com
(It’s all about how to connect with influencers even if you’re brand new)

Stop gambling in the market and make real passive income now. Start here: https://bit.ly/3YuXlCr

Have you ever been told to "buy the dip" or keep investing through a downturn with "dollar cost averaging"? It’s the most common advice thrown around by financial advisors, but is it actually the smartest move for your money? In this episode of the Money Ripples Podcast, I (Chris Miles) reveal the truth behind this popular strategy and why it could be costing you big—especially as the markets enter a critical correction period in 2025.

With over 11 years of guiding people out of financial traps and into real freedom, I’m not here to give you mainstream advice, I’m here to expose it. Because let’s be honest: If dollar cost averaging worked so well, why are so many investors still broke or stressed out every time the market dips?

Here’s what we cover in today’s episode:

• Why the stock market is still dangerously overvalued—and what the Buffet Indicator is telling us
• The psychology behind “buying the dip” and why it's mostly a trap
• Real history: How long it actually takes for the market to recover after a crash
• Why dollar cost averaging is brilliant… for the banks and advisors—not you
• The problem with trusting AI-driven markets and emotional investing
• What Warren Buffett is doing differently with his $334.8 billion in cash
• Why I have ZERO money in the stock market—and where I invest instead
• What kind of assets actually create passive income and security in a recession
• How to prepare your cash and mindset for the opportunities ahead

For decades, the financial industry has made billions convincing us to "just keep investing" no matter what. But the truth is, most people don't have time to wait for the next bull market. You need financial freedom now, not in 30 years.

Whether you're nearing retirement, already retired, or just want to protect and grow your money faster, you’ll walk away from this episode with a whole new lens on investing and a clear action plan to start creating real, recession-resistant income.

Passive income calculator: https://bit.ly/4cqx26n

Visit https://quantmre.com/. to use the calculator and see if your California property qualifies.

Can you really access your home equity without refinancing, without selling, and without adding a monthly payment? The answer is YES — and it’s not too good to be true.

In this episode of the Money Ripples podcast, I (Chris Miles, your Cashflow Expert and Anti-Financial Advisor) sit down for the third time with Matthew Sullivan, the founder of Quantm RE, to explore a powerful but lesser-known strategy: the Home Equity Investment.

If you’ve got equity trapped in your primary residence or investment property, and you’re frustrated with today’s high interest rates, this might be the cashflow solution you’ve been looking for. We dive into how Quantum RE’s solution allows you to unlock equity up to $500,000, without monthly debt obligations, and with the flexibility to pay back on your terms over 10 years.

Matthew shares how this model is gaining traction with major institutions and is now considered a new, mainstream asset class. We discuss how homeowners in California can use this strategy to pay off high-interest debts, invest in other opportunities, or simply buy back time — all while avoiding cash-out refinances or expensive HELOCs.

You’ll hear:

• How a Home Equity Investment (HEI) works and how it differs from loans or HELOCs

• What kind of homeowners and investors qualify

• How HEIs offer tax advantages and potential capital loss deductions

• Why HEIs are ideal in a high-interest rate environment

• A real client story: how one woman used this tool to wipe out $4,000/month in debt

• What you need to know about cost caps, appreciation splits, and repayment flexibility

• Why institutions are pouring millions into this space — and what that means for you