Best Way to Buy a House: Why Paying Cash Could Cost You More
Release Date: 10/13/2025
The Roth Conversion Strategy the Wealthy Use for Tax-Free Growth and How AI Is Changing the Game
Money Ripples Podcast
Start making passive income here: Could your 401(k) or IRA actually be costing you more in taxes than it’s saving you? In this episode, I dive into a powerful Roth conversion strategy the wealthy use for tax-free growth and how artificial intelligence is changing the game for tax planning and long-term wealth. I’m joined by Kenner French, founder of Vast Solutions Group and Vast Asset Defense, a pioneer who started using AI for tax planning back in 2010, long before it was trendy. He’s been recognized by Kevin O’Leary (Mr. Wonderful from Shark Tank) for his innovative use of AI...
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Could a 50-Year Mortgage Be Smart or a Trap? The Real Pros & Cons Explained
Money Ripples Podcast
Start making passive income here: Everyone’s talking about the new 50 year mortgage, and a lot of people are either hyping it as the key to homeownership or condemning it as a debt trap. In this episode, I break down the math, the myths, and the reality so you can decide if a 50 year mortgage actually moves you closer to financial freedom or quietly keeps you stuck. That’s why I don’t just react emotionally to headlines; I run the numbers. Today, I compare a 50 year mortgage to the traditional 30 year mortgage and even the 15 year mortgage that gurus like Dave Ramsey often push....
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How David Meltzer Lost $100M and Rebuilt Wealth with Think and Grow Rich Principles
Money Ripples Podcast
Start making passive income here: A lot of people have heard of the book Think and Grow Rich by Napoleon Hill, but very few actually know how to apply it in real life, right now, in the 21st century. In this episode, I sit down with David Meltzer, the chairman of the Napoleon Hill Institute, to break down how to truly live these principles so you can create real wealth, real impact, and real happiness. If you don’t know David’s story, it’s powerful. He made over $100 million, ran the iconic sports agency that inspired the movie Jerry Maguire, and then lost it all....
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The 0% Credit Card Funding Hack: How to Get $50K–$250K Fast (and Even Get Paid Interest)
Money Ripples Podcast
Start making passive income here: What if you could access 0% funding from $50,000 up to $250,000 and strategically use it to grow your business, invest in real estate, and even stack rewards so the money effectively pays you? In this episode I sit down with Ari Page, owner of Fund&Grow, to unpack how 0% business credit cards and a smart card-stacking strategy can create real, usable liquidity when traditional banks say “no.” Ari’s story starts in 2007 inside a mortgage company as LTVs shrank overnight and deals collapsed. The workaround they found business credit cards that...
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Why Investing in Mutual Funds Has a 99% Failure Rate (and What Actually Works)
Money Ripples Podcast
Start making passive income here: Everyone tells you mutual funds are the “safe” bet for retirement. But what if I told you they carry an almost 99% failure rate when it comes to actually creating financial freedom? In this solo episode, I separate risk from failure and break down what really works if you want your money working harder for you so you don’t have to work so hard for that money. I start by defining terms most people mix up: risk is the chance of loss, while failure is the likelihood you’ll hit your goals namely, sustainable income that makes you work optional....
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1,000 Episodes Later: The Hard Truth About Money, Freedom, and What’s Coming Next
Money Ripples Podcast
Hitting 1,000 episodes is wild, and I wanted to celebrate it the right way: by flipping the mic and letting you ask the questions. In this special, unscripted, zero-rehearsal episode, I bring two Money Ripples listeners, Jeff Holbrook, a physical therapist and father of five from Salt Lake City, and Jen, a Montana farmer and rancher, straight onto the show to ask the questions so many people quietly carry around. If you’ve ever wondered how to apply these strategies when you’re living paycheck-to-paycheck, how Infinite Banking really compares to my Max ROI System, or how to mentor teens...
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Profit First Saved Businesses + New Money Habit Book Will Change Your Personal Finances Forever with Mike Michalowicz
Money Ripples Podcast
👉 Pre-order your copy here: Ready to build your Money Habit? - Pre-order The Money Habit today and take the first step toward mastering your finances and creating lasting wealth. What if one simple change with a credit card could free up hundreds of dollars in cash flow every month? In this episode, I sit down with my friend and bestselling author Mike Michalowicz (Profit First, The Pumpkin Plan, All In, and now The Money Habit) to unpack a deceptively powerful tactic you can implement today and the money psychology behind why it works. We start with Mike’s ultra-practical...
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Why Car Washes Might Be the Best Alternative Investment to Real Estate
Money Ripples Podcast
Start making passive income here: Buy our book: Is investing in car wash businesses the best thing to add to your real estate portfolio right now? In this episode, I sit down with Chris Larsen of Next Level Income to unpack why “operating real estate” (assets with both land + business components) can boost returns if the operations are rock solid. Chris shares his journey from a Virginia Tech engineering grad and Category 1 cyclist to building financial independence through rentals, multifamily syndications, and now car wash roll-ups. A pivotal moment losing his best friend...
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The Secret to Creating Tax-Free Passive Income That Never Runs Out
Money Ripples Podcast
Book a call here with our Infinite Banking Specialist: Buy our book: We’re seeing cracks everywhere right now real estate pressures, stock market volatility, AI disruptions, tariff threats, and a whole lot of uncertainty. If you’ve been asking, “Is there anywhere I can put cash where it’s truly safe, accessible, and still produces dependable passive income for life?” this episode is for you. I’m Chris Miles, your cashflow expert and anti-financial advisor, and today I break down exactly how I create guaranteed, tax-free income using my Max ROI Infinite Banking...
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Gold Has Nearly Doubled... Could It Still Go Higher
Money Ripples Podcast
Start making passive income here: Buy our book: Gold and silver have been on a tear this year but is the run finished or just getting started? In this episode, I bring back David McAlvany of the McAlvany family/McAlvany Group a team with roots in precious metals all the way back to the 1970s, when they helped push for U.S. gold ownership to be re-legalized on January 1, 1975. With more than 50 years across gold, silver, platinum, and palladium and experience managing hard-asset equity strategies David joins me to separate signal from noise so we can make smarter moves right...
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Dave Ramsey says you should save to pay cash for a house. But is that really smart in today’s market?
In this episode, I’m going to show you why that strategy might actually cost you your dream home, and why locking in a mortgage yes, even with higher rates can be the more financially sound and wealth-building move.
I’ve heard countless stories from hardworking people trying to “save their way” to homeownership, only to watch prices skyrocket faster than their savings can grow. In fact, one woman I spoke with is working 80 hours a week at two jobs just to save cash for a home. Admirable? Absolutely. But effective? Not really. When I ran the numbers, what I found even shocked me and it’s something Dave Ramsey doesn’t talk about.
In this episode, I dive deep into the real math behind buying versus saving. You’ll hear how saving for 15 or 20 years could mean chasing a moving target as home prices double or triple while your purchasing power declines. I’ll walk you through an example comparing someone saving $1,500 a month for a $200,000 home versus locking in a mortgage today and how the difference could mean more than a decade of your life lost to the chase.
We’ll break down:
- Why real estate appreciation can destroy even the most disciplined savings plans.
- How inflation and rising prices make “waiting to buy” one of the riskiest strategies out there.
- The hidden benefits of locking in your price now, even with PMI or higher rates.
- How to make inflation work for you, not against you.
- Why having liquid assets and financial flexibility beats being “house rich and cash poor.”
I’ll even show you why, by paying your mortgage strategically or investing the extra cash at decent returns, you could pay off your house in 8 years instead of 19 without sacrificing your peace of mind.
This isn’t about reckless debt or ignoring financial discipline it’s about using smart leverage and sound strategy to build wealth faster, without chasing your tail or missing out on the very opportunities you’ve been working so hard for.
If you’ve ever wondered whether saving cash or using a mortgage makes more sense, this episode gives you the data, the logic, and the freedom-focused mindset to make the right move for your future.