Money Ripples Podcast

Hosted by Danielle Hollembaek

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Aug 2026

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About the show

Chris Miles is your Cash Flow Expert and Anti-Financial Advisor. From passive income and personal finance strategy to infinite banking tips, this podcast is the place to start if you're on a journey to financial freedom. Listen and learn how to get your money working for you so you don't work so hard for your money! In this podcast, you will learn how to become "work optional" and live the life that you want. You will be able to quit your 9-to-5 by creating passive income. 401k will never make you free, putting anything in the stock market is a gamble, you need passive income with real cash flowing assets to become financially free. Traditional Financial advice will never get you there and financial advisers are just salespeople. Not only will be talking about why you need passive income, how to get it, and what alternative investments you can put your money into, but we also will talk about a little-known strategy called infinite banking. Infinite banking is when you use your whole life policy to help fund you're investing deals. We call it a supercharged savings account where you can get your money to pay you twice. Max ROI infinite banking policies, when designed correctly, can help you double the money you make on investments because you are becoming your own bank. We have many episodes about infinite Banking and how you can use it as a part of your alternative investing strategy. Retirement is closer than you think. You don't have to wait until you're 65 if you invest your money in passive investments. Real estate has always proven to be the best investment that the wealthiest people put their money into. Why would we reinvent the wheel at this point? Real estate is a great asset to bank on. Many of our episodes talk about the returns you can make on real estate, and how when you invest in things like syndications or turn-key real estate you have a passive investment with minimum work on your end. Start living the life

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August 20, 2026Episode 109128 min

The US Is Borrowing $2 Trillion This Year. Here's What That Means for Your Money.

The US Treasury just announced it needs to borrow $2 trillion this year — $166 billion a month just to break even. In this episode, Chris Miles sits down with Dr. David Phelps (Freedom Founders, 40+ years in real estate and alternative investing) to talk about what's really happening in the economy, what the mainstream narrative is getting wrong, and what two experienced investors are doing with their money right now. This is not a doom and gloom episode. It's a "read the tea leaves honestly and position yourself well" episode — for investors who are tired of being told everything is fine while they watch their purchasing power erode. Here's what we cover: * The $2 trillion borrowing problem — and why it's a tax on future generations * The Minsky moment: why we may be one grain of sand from a major market shift * Why David holds more liquidity today than at any point in his investing career * What Warren Buffett's cash position signals — and why David is mirroring it * The real 30-year S&P average is 8.2% — not the 14–15% of the last 15 years * Cracks in private credit and private equity that most investors aren't seeing * Why strong operators and longer hold periods matter more than ever right now * What David is personally doing: more cash, lower leverage, stronger underwriting If you're a high-income earner wondering whether now is the time to take chips off the table — this conversation is for you. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor® — helping high-income earners become work optional through passive income, infinite banking, and alternative investments. Dr. David Phelps is the founder of Freedom Founders. ───────────────────────────────────── ⏱️ CHAPTERS ───────────────────────────────────── 0:00 What's Coming on the Economic Horizon 1:27 Introducing Dr. David Phelps 2:18 The $2 Trillion Borrowing Announcement 3:23 Why Borrowing to Look Prosperous Always Ends the Same Way 4:13 The Debt Is a Tax on Future Generations 5:52 Stablecoin: How the Government Is Capturing Crypto Skeptics 6:17 The Cashless Society Risk 8:48 Why David Isn't Pessimistic — Just Realistic 9:53 Asymmetric Risk: Downside Now Outweighs the Upside 10:41 Taking Chips Off the Table: The Waiting Game 11:07 The Real 30-Year S&P Average 12:24 Why a 15% Return Over 7 Years Is Just the Bubble Talking 13:04 Structural Fragility: Geometric Debt Growth 13:37 Countries Moving Away from the Dollar 14:52 Higher-for-Longer Rates and Asset Repricing 15:55 Cracks in Private Credit and Private Equity 17:12 The Minsky Moment: One Grain of Sand Away 18:08 Liquidity Is Not Sexy — But It Buys You Time 20:26 What David Is Actually Doing Right Now 22:04 Evaluating Real Estate Operators in Today's Market 23:16 Longer Hold Periods and Lower Return Expectations 24:41 The Power of Community and Masterminds 25:31 How to Follow Dr. David Phelps 27:06 David's Ripple Effect 28:13 Final Takeaway: Be a Doer, Not Just a Hearer ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Freedom Founders Podcast → Search "Freedom Founders Podcast" ► Work Optional Calculator → https://moneyripples.com/passive-income-calculator/ ► Money Leaks Quiz → https://win.moneyripples.com/quiz2 ► Money Ripples Podcast → https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website → https://moneyripples.com/

August 13, 2026Episode 108937 min

Caleb Hammer vs. Dave Ramsey: Who's Actually Right About Your Money?

Caleb Hammer and George Kamel sat down to debate the biggest financial headlines — and Chris Miles crashed the party uninvited. In this episode, the Cash Flow Expert and Anti-Financial Advisor reacts to every take, agrees where they're right, and fires back where the math simply doesn't hold up. Spoiler: Chris sides with Caleb Hammer more than you might expect. But the 7% withdrawal rate debate is where things get real — and where Dave Ramsey's camp gets called out with actual numbers. Here's what we cover: - Sports betting ruining young men's finances — agree or disagree? - Is a $100K salary still middle class? The location and lifestyle nuance nobody mentions - Can you retire on $100,000 total? (Spoiler: absolutely not) - Good debt vs. bad debt — where Kiyosaki is right and where he goes too far - Renting vs. buying right now — why the math actually favors renting in 2025 - US Bitcoin stockpile — why Chris thinks it's about control, not diversification - Is inflation really Americans' #1 financial problem? What a 12,000-person poll actually found - The 7% withdrawal rate debate — why George Kamel's defense made Chris's blood boil - The real math on $1M at 7% over 30 years (51% failure rate — this is not a drill) - Why Dave Ramsey's 8% withdrawal claim is even worse — and Chris ran the Monte Carlo to prove it - What actually works: 5 years of non-market reserves + alternative investments - Why Chris sides with Caleb Hammer over Dave Ramsey — and where he parts ways with both This is not a "let's trash financial gurus" episode. It's a "let's actually run the numbers" episode — and some of those numbers will make you rethink everything your financial advisor told you. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor® — helping high-income earners become work optional faster through passive income, infinite banking, and alternative investments. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Find out how much passive income you could create in the next 12 months: Work Optional Calculator → https://moneyripples.com/passive-income-calculator/ ► Find out where your money is leaking every month (takes 2 minutes): Money Leaks Quiz → https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: https://moneyripples.com ───────────────────────────────────── ⚠️ DISCLAIMER ───────────────────────────────────── This content is for educational and informational purposes only and does not constitute financial, legal, or investment advice. Chris Miles is not a licensed financial advisor. Always consult a qualified professional before making financial decisions. Past results are not a guarantee of future performance. Individual results will vary.

August 6, 2026Episode 109018 min

How a Military Officer Built Work Optional Income Without a Six-Figure Salary

Max is a US Army captain — not a high-earning executive, not a real estate mogul. And he's already on the path to work optional. In this episode, Chris Miles sits down with Max to unpack exactly how he built passive income from crypto, rental properties, and private alternatives on a military salary. If you've ever told yourself you don't make enough to invest in alternatives, this episode will change how you think about that. Max started with a small paycheck at West Point and made disciplined decisions at every duty station. The result? He's financially ahead of most people his age who make significantly more than he does. Here's what we cover: - How Max went from financially illiterate to building a real passive income portfolio - Why a predictable government paycheck is actually an investing advantage - His early crypto bet in 2014 — and why he didn't panic sell through every spike and crash - How buying a house at every duty station became a real estate portfolio - Why the short-term rental in Florida didn't work out — and what he learned from it - What opened the door to private alternatives and infinite banking - How finding the right community (not just books) gave him the confidence to invest - Why he's leaving the army next year — and what work optional means for his family - His advice to anyone who's been "learning" for years but hasn't taken action yet - "Hope demands action" — the one phrase that changed how Max thinks about investing This is the episode for anyone who thinks passive income investing is only for people who already have a lot of money. It's not. It's for people who start early and stay disciplined. Chris Miles is the Cash Flow Expert and Anti-Financial Advisor® — helping high-income earners become work optional faster through passive income, infinite banking, and alternative investments. ───────────────────────────────────── 🔗 RESOURCES & LINKS ───────────────────────────────────── ► Find out how much passive income you could create in the next 12 months: Work Optional Calculator → https://moneyripples.com/passive-income-calculator/ ► Find out where your money is leaking every month (takes 2 minutes): Money Leaks Quiz → https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: https://moneyripples.com ───────────────────────────────────── ⚠️ DISCLAIMER ───────────────────────────────────── This content is for educational and informational purposes only and does not constitute financial, legal, or investment advice. Chris Miles is not a licensed financial advisor. Always consult a qualified professional before making financial decisions. Past results are not a guarantee of future performance. Individual results will vary.

July 30, 2026Episode 108829 min

The Mobile Home Cash Flow Loophole Nobody Talks About | 22% Cash-on-Cash Returns

Can you REALLY cash flow mobile home parks in 2026? Chris Miles sits down with Mitzi Diane — "The Mobile Home Queen" and founder of Swift Sell Properties — to break down how she turns "trailer trash into cash" with 22%+ cash-on-cash returns, six figure flips, and rent-to-own strategies most investors completely overlook. If you're tired of single-family rentals barely breaking even, this episode reveals a niche where $60K can generate $1,300/month in cash flow — WITHOUT dealing with traditional tenant headaches, mortgages, or bloated renovation budgets. 🎯 WHAT YOU'LL LEARN: ✔ Why mobile homes INSIDE parks outperform mobile homes on land ✔ The rent-to-own / owner-finance strategy that eliminates landlord stress ✔ Real numbers: $200K single family (5% cash-on-cash) vs. mobile homes (22%+) ✔ How to flip a mobile home for $20K–$85K per deal ✔ The #1 mistake new investors make (and how to avoid a 6-figure loss) ✔ How chattel loans, consumer loan laws & repossession work differently ✔ Why mobile homes are APPRECIATING for the first time ever ✔ The mindset & nervous system science behind investor success 💰 FREE CASH FLOW QUIZ: Find an extra $2,000/month without earning more or changing your lifestyle 👉 https://moneyripples.com 📈 SPONSORED BY CENTRAL LENDING: Alternative investments designed for steady passive income 👉 https://centrallending.com 🔔 SUBSCRIBE for weekly episodes on passive income, real estate investing, and becoming work-optional.

July 23, 2026Episode 108725 min

Why Real Estate Will SURVIVE the 2026 Recession (When Stocks Won't) — Jay Scott

Is now the RIGHT time to invest in real estate — or should you sit on the sidelines? In EP 1087 of the Money Ripples Podcast, Chris Miles sits down with veteran investor, author, and Bar Down Investments partner Jay Scott to cut through the market noise and identify the REAL signals investors need to watch in 2026. Jay has been tracking the economy in real time for over 20 years. From navigating the 2008 crash as a rookie flipper to running a private equity fund with hundreds of millions in multifamily real estate, he shares uncommon insights on where we are in the economic cycle, why he believes we're heading into a recession, and why real estate is STILL the most resilient asset class on the planet. WHAT YOU'LL LEARN IN THIS EPISODE: - Why 2008 wasn't actually the worst time to buy real estate - The K-shaped recovery and why 80–90% of Americans feel we're already in a recession - How the M2 money supply drives long-term inflation (and why it matters NOW) - Why real estate has only dropped more than 1.5% in 2 of the last 36 recessions - Jay's 2022 prediction that real estate would go FLAT for 10 years (and how it's playing out) - The number one strategy passive investors MUST follow in 2026: DIVERSIFY - How AI is creating deflationary pressure (and what that means for your portfolio) - Why illiquidity is real estate's secret weapon during downturns GRAB THE WORK OPTIONAL BLUEPRINT ON AMAZON: https://www.amazon.com/ (search "Work Optional Blueprint Chris Miles") CENTRAL LENDING — PASSIVE INCOME OPPORTUNITIES: https://centrallending.com FOLLOW JAY SCOTT'S ECONOMICS NEWSLETTER: https://jscott.com ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ABOUT MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor. For over 16 years, Money Ripples has helped clients increase their cash flow by more than 350 MILLION dollars. This show is for anyone who wants their money working harder — so they don't have to. Become WORK OPTIONAL and live a life of true financial freedom. SUBSCRIBE for weekly episodes: https://www.youtube.com/@moneyrippleswithchrismiles?sub_confirmation=1 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ CONNECT WITH CHRIS MILES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Website: https://moneyripples.com Facebook: https://facebook.com/moneyripples Instagram: https://instagram.com/moneyripples LinkedIn: https://linkedin.com/in/chriscmiles Podcast: https://moneyripples.com/podcast

July 20, 2026Episode 108620 min

How to LEGALLY Avoid a 7-Figure Capital Gains Tax Bill (Better Than a 1031)

Facing a massive capital gains tax bill from selling your business, real estate, or Bitcoin? Chris Miles sits down with Brett Swarts — capital gains tax strategist and author of "Building a Capital Gains Tax Exit Plan" — to reveal the Deferred Sales Trust strategy that's helped clients defer millions in taxes WITHOUT being forced into a 1031 exchange. In this episode, you'll learn: ✅ Why the 1031 exchange is "dead" for most business owners ✅ How a $13M car wash sale resulted in ZERO tax paid at closing ✅ The step-by-step mechanics of a Deferred Sales Trust ✅ How to defer capital gains, income tax, AND estate tax ✅ Why 10,000 baby boomers turning 65 daily makes this URGENT 📘 Get Brett's book "Building a Capital Gains Tax Exit Plan" on Amazon or at https://capitalgainstaxsolutions.com 📞 Book a strategy call with Money Ripples: https://moneyripples.com 🎧 SUBSCRIBE for weekly interviews with cash flow experts, tax strategists, and financial freedom builders.

July 17, 2026Episode 108426 min

Jeremy Grantham Just Called The Crash — Here's What Wall Street Won't Tell You

A 90-year-old billionaire money manager with over 60 years of experience just went on Diary of a CEO and warned that the U.S. stock market is in the biggest bubble in American history — bigger than 2000, bigger than 1929 — and is heading for a 70% correction. His name is Jeremy Grantham. He called the 2000 dot-com crash. He called the 2008 housing collapse. And now he's saying it again. In this episode, Chris Miles — former traditional financial advisor turned Anti-Financial Advisor — breaks down the most important clips from the Grantham interview and shares why he's been quietly warning his clients about this exact scenario since 2016. If you have money in a 401(k), an IRA, or the S&P 500, you need to hear this before your next paycheck hits. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💰 FREE 2-MINUTE CASH FLOW QUIZ ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Find an extra $2,000/month without working harder, earning more, or changing your lifestyle. Just find where the money is actually leaking. 👉 https://moneyripples.com ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 KEY TAKEAWAYS FROM THIS EPISODE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✅ Why Grantham says U.S. equities could deliver NEGATIVE returns for 10+ years ✅ The Warren Buffett Indicator that just crossed 2 standard deviations ✅ Why Vanguard's 4–5% forecast is dangerously misleading ✅ The "offensive defense" cash strategy Chris has run since 2022 ✅ Why emerging markets are up 65% while the S&P is only up 25% ✅ Grantham's exact allocation recommendation (non-US equities, precious metals, bonds, real estate) ✅ Why "the wolf is coming" even if it hasn't shown up at your doorstep yet ✅ How to protect your 401(k) even if your financial advisor tells you it's stupid ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎙 ABOUT CHRIS MILES & MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor. After nearly a decade as a traditional financial planner, he left the industry to help high-income earners create real passive income and become work-optional — without gambling their savings in the stock market casino. Through infinite banking, alternative investments, and the cash flow strategies most advisors will never mention (because they don't get paid on them), Chris has helped thousands of families stop working for their money and start making their money work for them. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔗 CONNECT & LEARN MORE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌐 Website: https://moneyripples.com 📺 Subscribe: https://www.youtube.com/@moneyrippleswithchrismiles?sub_confirmation=1 🎧 Podcast: https://open.spotify.com/show/3ptp5AxwOHC1qvtpgRusJ3 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💬 QUESTION FOR YOU ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ If Grantham is right and the market drops 70%, is your current strategy going to survive it? Drop a comment — I read every one, and I'll answer the best ones in a future episode. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⚠️ DISCLAIMER ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ This content is for educational and entertainment purposes only and is not financial, tax, or investment advice. Please consult a licensed professional before making financial decisions. Chris Miles and Money Ripples are not responsible for investment outcomes based on this content.

July 16, 2026Episode 108420 min

"I Have a $1M+ 401(k) — And I Still Can't Retire Early. Here's Why." (Donnie's Story)

His dad has been a financial advisor for 30+ years — so why did Donnie walk away from the traditional 401(k) path and start building passive income instead? In this Money Ripples interview, cash flow expert and Anti-Financial Advisor Chris Miles sits down with real client Donnie, an IT / cyber security executive, to unpack how he went from "max out your 401(k)" advice to actively building work-optional income streams outside of Wall Street. If you're a high-income W-2 earner (tech, medical, legal, engineering) who feels locked into your qualified retirement plan until age 59½ — this conversation will change how you think about diversification, optionality, and what "financially free" actually means. 🎯 FREE Cash Flow Quiz — Find your money leaks in 2 minutes: 👉 https://win.moneyripples.com/quiz 📚 WHAT YOU'LL LEARN ═══════════════════════════════════════ ✅ Why a 401(k) alone can't get you to "work optional" ✅ The offramp problem: why locked-up capital kills flexibility ✅ How to reconcile traditional financial advice with alternative investing ✅ Real strategies for diversifying BEYOND stocks (syndications, oil & gas, real estate) ✅ Why "diversified" in a 401(k) isn't actually diversified ✅ How to build passive income in 5 years or less as a high earner ✅ The mindset shift that makes work optional possible ✅ Why finding the right community accelerates your journey ═══════════════════════════════════════ 🔗 RESOURCES ═══════════════════════════════════════ • Free Cash Flow Quiz → https://win.moneyripples.com/quiz • Money Ripples Website → https://moneyripples.com • Money Ripples Podcast → https://moneyripples.com/podcast-2/ ═══════════════════════════════════════ 👋 ABOUT CHRIS MILES ═══════════════════════════════════════ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor. He became financially independent TWICE by age 39 and has helped his clients increase their cash by over $350 MILLION in 16 years. This channel is for high-income earners who want to become work-optional — where you work because you want to, not because you have to. 🔔 SUBSCRIBE for weekly interviews, strategies, and case studies: https://www.youtube.com/@moneyrippleswithchrismiles?sub_confirmation=1

July 9, 2026Episode 108336 min

How to Turn $15,000/Year Into $15,000/Month of Passive Income (Full Blueprint)

Is it actually possible to save $15,000 a year for 15 years and create $15,000 a month of passive income? Chris Miles — former financial advisor turned Cash Flow Expert — spent 30+ hours running the numbers, testing every scenario, and building the exact blueprint in this video. Inside, you'll see the real math behind combining Max ROI Infinite Banking (the specific whole life insurance strategy his firm uses) with alternative real-estate-backed investments to build safe, certain, predictable, and perpetual passive income — the four qualities most people say they want but almost nobody's advisor delivers. This is the same framework Chris presented to Money Ripples' VIP work-optional clients — condensed, simplified, and shown with the exact spreadsheets so you can follow along. If you have $200K+ ready to invest, or you're saving aggressively toward that number, this is the video to bookmark. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 KEY TAKEAWAYS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✅ Why the Ernst & Young 70/30 study beats a pure 401(k) strategy ✅ How Max ROI Infinite Banking beats traditional whole life by $600K+ over 25 years ✅ Why you should NOT fund your policy in the first 3 years with investment money ✅ How to use your emergency fund to cover premiums during the "insurance-heavy" years ✅ The exact "cash flow + savings" loan-paydown strategy that adds $22K+/year ✅ The 4-legged stool: whole life + alternative investments + Social Security + reverse mortgage ✅ Why rentals are one of the worst investments right now — and what to buy instead ✅ How the death benefit protects mortgages and creates generational wealth ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎙 ABOUT CHRIS MILES & MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor. He left traditional financial advising in 2006 after realizing what he was teaching didn't actually work for his own family. Since then he has helped hundreds of clients become work-optional through cash flow strategies, Max ROI Infinite Banking, and alternative investments most advisors won't mention (because they don't get paid on them). ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔗 CONNECT & LEARN MORE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌐 Website 📺 Subscribe 🎧 Podcast

July 6, 2026Episode 108218 min

AI Isn't Killing Your Job — The Real Reason (NY Fed & Goldman Sachs Data)

Everyone is blaming AI for the 2026 job market slowdown — but new research from the NY Federal Reserve, Goldman Sachs, and Oxford Economics tells a very different story. In this episode, Chris Miles — Cash Flow Expert and Anti-Financial Advisor — breaks down what's ACTUALLY causing hiring to freeze across every sector, including the ones AI supposedly can't touch. If you've been worried about AI replacing your job, or you own a business and hiring feels harder than ever, the real culprit is something almost nobody is talking about openly: an affordability crisis fueled by inflation, money printing, and collapsing consumer confidence. This isn't a pro-AI or anti-AI episode. It's a reality check on what's actually happening in the economy — and how to think about your job, your business, and your financial future in a market where everything feels more expensive and less certain. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 💰 FREE TOOLS FROM MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ▶ Work Optional Calculator — See how much passive income you could create in the next 12 months: https://moneyripples.com/passive-income-calculator/ ▶ Money Leaks Quiz — Find where your money is leaking every month (takes 2 minutes): https://win.moneyripples.com/quiz2 ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ⏱ WHAT WE COVER IN THIS EPISODE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ • What three major research institutions (NY Fed, Goldman Sachs, Oxford Economics) found about AI and the labor market • Why layoffs are hitting management AND entry-level jobs — sectors AI literally cannot replace • The real culprit: an affordability crisis fueled by inflation, money printing, and tightening consumer confidence • How small business owners are actually responding to the slowdown (it's not what the headlines say) • Why AI is being used as a scapegoat — and what smart businesses are actually doing with it • How cash flow thinking helps you stay ahead no matter what the economy does next ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📌 KEY TAKEAWAYS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✅ The NY Fed data that directly contradicts the "AI is taking jobs" narrative ✅ Why blaming AI is convenient for CEOs, politicians, and financial media ✅ The two economic pressures actually freezing the labor market in 2026 ✅ Why hiring slowdown is showing up in industries AI has zero exposure to ✅ How to protect your income when the "safe" job path stops being safe ✅ The cash flow strategy that survives ANY economic environment ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🎙 ABOUT CHRIS MILES & MONEY RIPPLES ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Chris Miles is the Cash Flow Expert and Anti-Financial Advisor®. He helps high-income earners become work optional faster through passive income, Max ROI Infinite Banking, and alternative investments. Featured in US News and CNN Money, Chris built his own passive income twice — the second time after losing it all — and now teaches the exact frameworks that got him there. This channel is for people who are doing everything "right" financially but still feel like they're falling behind. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🔗 CONNECT & LEARN MORE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 🌐 Website 📺 Subscribe 🎧 Podcast