Money Ripples Podcast

What if you could not only pay off your student debt but also become a millionaire in just seven years? That's exactly what today's guest, Rose Han, did—and now she's showing others how to do the same. In this episode of the Money Ripples Podcast, Chris Miles sits down with Rose Han, a former Wall Street trader turned financial educator, YouTuber, and author of the brand-new book Add a Zero. Rose shares her incredible journey from being six figures in student debt at age 23 to achieving millionaire status by 30. She opens up about the financial principles, mindset shifts, and bold life decisions that made it possible. You'll discover: How Rose went from living paycheck-to-paycheck on Wall Street to financial independence. The life-changing lessons she learned from quitting her six-figure job to pursue freedom. Why financial education is often "gate-kept" and what you actually need to know. The difference between linear income and exponential income (and why leverage is the key). The surprising "fun-first" philosophy Rose believes leads to wealth and fulfillment. Rose doesn't just talk about money—she talks about freedom, passion, and creating a life you love. Whether you're buried in debt or sitting on six figures wondering what's next, her story and framework will show you what's possible. Her new book, Add a Zero, is a step-by-step playbook that helps you go from debt to millionaire by mastering the phases of financial growth—getting to zero, building stability, and unlocking exponential wealth. Unlike many finance books, Rose includes the missing piece: how to dramatically increase your income, not just save harder. If you've been frustrated with traditional advice that tells you to "just keep saving" or sacrifice for 40 years, you'll love this conversation. Rose and Chris reveal how to create financial freedom sooner—without waiting until retirement. Resources & Links: Get Rose Han's new book Add a Zero: https://addazero.com Follow Rose Han on YouTube, Instagram, and TikTok: @itsRoseHan Passive income starts here: https://bit.ly/4gaxBDa

Discover a fresh approach to conquering debt that prioritizes cash flow over mere interest rates. Traditional methods like the snowball and avalanche might actually keep you trapped in financial stress. Learn about the Cashflow Index, a strategy that helped eliminate over $1 million in debt by focusing on reducing monthly payment burdens. Hear inspiring stories of individuals freeing up significant monthly cash flow and making smarter debt management choices. Say goodbye to conventional wisdom and embrace a method that empowers your financial freedom!

Want help creating a personalized plan to maximize your freedom? Visit https://bit.ly/4mExB0p. Have you ever been told that the smartest financial move is to pay off your mortgage as fast as possible? I believed that too—until I discovered the shocking truth: paying off your home early could actually COST you years of freedom and potentially millions of dollars. In this episode, I share my personal story, including how my own father and I both learned the hard way that being "mortgage debt free" doesn't equal financial freedom. I'll walk you through why banks want you to pay extra principal, how fractional reserve banking actually works against you, and why wealthy investors and even major companies like Apple keep debt while growing their cash. You'll see real examples of what happens when you compare paying off a $400,000 mortgage versus investing that same money—even at a lower rate. I'll also show you how this connects to passive income, infinite banking, and the Money Ripples philosophy of creating financial independence now, not decades from now. If you've ever wondered whether paying off your home is really the safest path, this episode will open your eyes. By the end, you'll know why equity and net worth mean nothing without cashflow—and what smarter moves you can make to truly become work optional.

If you are ready to 10x EVERY aspect of you life, you can't miss Katie's summit! Register now: https://livetothrivetoday.com/sept-mpreg-chrismiles Start making passive income here: https://bit.ly/4fNokRl What if you could achieve financial freedom, work from anywhere in the world, and truly live life on your terms? In this episode of the Money Ripples Podcast, I sit down with Katie Sampayo entrepreneur, life redesign coach, and founder of the Elevate Mastermind to unpack exactly how you can break free from the traditional 9-to-5 and create a lifestyle you love. Katie has been fully nomadic since 2018, building a thriving coaching business while traveling the world. From snowboarding in Utah to surfing in Cabo, Katie has designed a life that blends freedom, adventure, and purpose and now, she's helping others do the same. We talk about the mindset shifts and strategies required to redesign your life, break free from limiting beliefs, and take control of your future. In this powerful conversation, you'll learn: - How Katie transitioned from a traditional job to a fully nomadic lifestyle - Why mindset mastery is the foundation of any life redesign - How travel accelerates personal growth and builds resilience - Why financial freedom isn't just about money—it's about creating options - How to leverage community and mentorship to scale your success - Insider tips on breaking free from fear and stepping into your true power Plus, Katie shares insights on her upcoming Millionaire Playbook Summit, where she and 13 other seven-figure entrepreneurs reveal the mindset, strategies, and tools they used to build lives of freedom, wealth, and purpose. If you're ready to take the first step toward living life by your design, this episode is your roadmap. Katie's Links: - Website: https://katiesampayo.com/ - Facebook: https://www.facebook.com/groups/thrivesquad2.0 - Instagram: https://www.instagram.com/katiesampayo/ - YouTube: https://www.youtube.com/@KatieSampayo - LinkedIn: https://www.linkedin.com/in/katiesampayo/

Start making passive income here: https://bit.ly/45DzGCB Did you grow up thinking that rich people are greedy, selfish, or evil? I did too. But what if everything we've been told about wealth is wrong? What if the real secret to wealth isn't about luck, exploitation, or stepping on others but about creating value and serving people at the highest level? In this episode, I break down one of the most important mindset shifts you'll ever make when it comes to money, wealth, and financial freedom. For years, I believed that wealthy people were just lucky or manipulative. I thought you had to be born into the right family, have the right connections, or take advantage of others to succeed financially. But I was wrong and today, I'll show you why. I share how I discovered the powerful principle that has transformed not just my finances, but the lives of thousands of my clients: "Dollars follow value." The more value you create for others, the more money naturally flows to you. Wealth isn't a zero-sum game where someone has to lose for you to win. True wealth comes from finding ways to serve people, solve problems, and create win-win opportunities and when you master this, money becomes a byproduct, not the goal. We will go over: - Why so many of us were programmed to believe wealth equals greed - How Hollywood and media have shaped a false narrative about success - The real difference between a scarcity mindset and an abundance mindset - Why stewardship and serving others lead to lasting prosperity - How to use your wealth and freedom to create a ripple effect that blesses lives beyond your own You'll hear practical steps to shift your money mindset, examples of how billionaires like Jeff Bezos, Elon Musk, and Steve Jobs created massive wealth by solving problems, and why even everyday business owners can build prosperity without sacrificing integrity. This isn't just about getting rich it's about creating a rich life. A life where your money works harder for you, your impact multiplies, and your ability to serve others grows exponentially. If you're ready to ditch scarcity thinking, embrace your role as a steward, and finally understand how wealth is truly created, this episode will change the way you see money forever.

Start making passive income here: https://bit.ly/4fHnZiW Most people make one of the biggest financial mistakes without even realizing it: they focus on price instead of value. But here's the truth, the wealthy never ask, "What's the cheapest?" They ask, "Where's the greatest value?" In this episode, I pull back the curtain on a shift in mindset that can completely change your financial future. I share personal stories from hunting for the cheapest blender to investing in high-quality tools, programs, and opportunities and explain why focusing on value over price is the key to creating long-term wealth and freedom. I also dive into the hidden costs of a scarcity mindset, how small "cheap" decisions can cost you big in the long run, and why successful people make ROI-driven decisions instead of penny-pinching ones. Whether it's your investments, your business, or even your daily purchases, this episode will challenge you to rethink how you use your money. You'll learn: - Why the wealthy think in terms of value and ROI, not cost - How choosing cheap can actually cost you more over time - Real examples of how focusing on value has transformed my clients' lives - Why financial freedom is more about mindset than numbers - A simple litmus test to decide when to spend and when to save This one mindset shift can change everything about your relationship with money and open the door to greater freedom, abundance, and peace of mind. Tune in, and let's make sure your money works harder not you.

Want to learn more about Infinite Banking? Book a call here: https://bit.ly/3HjvqAj Infinite Banking is one of those strategies you've heard me talk about a lot but today we're taking it a step further. I brought on my good friend Chris Naugle, founder of Money School and Private Money Club, to break down how Infinite Banking really works especially if you're an active real estate investor looking to build wealth faster, protect your cash, and gain liquidity when you need it most. Chris has an incredible journey from professional snowboarder to building businesses, surviving multiple recessions, flipping 272 properties, and even hosting a national HGTV show, Risky Builders. But his biggest pivot came when he discovered how to truly become the bank and how using the Infinite Banking Concept can give you the power to control your money instead of letting the banks and Wall Street do it for you. In this episode, we dig into: - How Infinite Banking works step-by-step for real estate investors - Why liquidity is the ultimate power in a recessionary economy - How Chris created Private Money Club, a "dating site" for lenders and borrowers - Why he believes a recession is inevitable and how you can prepare today - The role of treasuries, whole life insurance, and alternative investments in building long-term wealth - Why equities may get crushed and real estate could become a safer haven Chris also shares why controlling your capital is everything when opportunity strikes, and how sitting on the sidelines strategically can put you in the driver's seat when markets shift. If you've been searching for ways to recession-proof your wealth, leverage Infinite Banking, and create a financial ripple effect for your family and community, this episode is a must-listen. Chris' links: - Website: https://www.chrisnaugle.com/ - Facebook: https://www.facebook.com/TheChrisNaugle/ - LinkedIn: https://www.linkedin.com/in/thechrisnaugle/ - YouTube: https://www.youtube.com/thechrisnaugle - Instagram: https://www.instagram.com/thechrisnaugle/

Want to make passive income? Click here: https://bit.ly/4lBLfjI You've probably been told your entire life that debt is evil something to avoid like the plague. But what if that very belief has been holding you back from creating the wealth and freedom you've been chasing? In this episode, I dig deep into the truth about debt: when it's destructive, when it's powerful, and how the wealthy actually use it as a tool to accelerate their financial growth. I share my personal journey of being raised with a debt-free mentality, influenced by my dad's Depression-era habits of paying cash for everything even cars. I talk about how my early experiences with overdrafts, credit cards, and loans shaped my financial fears, and how I eventually learned that debt is not inherently good or bad, it's neutral. What matters is how you use it as a wise steward. We'll explore the critical difference between liabilities and actual debt, and why equity plays the biggest role in determining whether debt is a danger or a wealth multiplier. I explain why banks actually encourage you to pay off loans faster and push 15-year mortgages instead of 30-year mortgages not because it helps you, but because it helps them turn around and lend your money out at a profit. Understanding this secret reveals why the wealthy never think like savers or spenders they think like stewards who keep their money in motion. I also highlight examples of wealthy individuals and companies who intentionally use debt to their advantage. Elon Musk funds his lifestyle using debt against his stock instead of income. Apple carried billions in debt while still sitting on billions in cash because it gave them financial leverage and liquidity. Even football coach Jim Harbaugh received a $2 million bonus structured as a loan to his life insurance policy, giving him powerful financial flexibility while protecting his wealth. We'll break down why real estate investors like Sam Primm openly embrace debt leveraging millions in loans to control even greater assets that generate cash flow and equity growth. I'll show you why avoiding debt blindly, as Dave Ramsey preaches, is a strategy born out of trauma and scarcity, not wisdom. If you've ever wondered whether you should aggressively pay off your mortgage, avoid credit cards, or fear using debt in your investments this episode is for you. I'll give you a framework to decide, based on stewardship, liquidity, and profitability, whether debt is a curse or the very thing that could help you become financially free faster. The bottom line? Don't fear debt, but do respect it. In the right hands, it's one of the most powerful wealth-building tools available. In the wrong hands, it's destructive. Listen in, and I'll teach you how to think like the wealthy, stop living in fear, and start using money in ways that create abundance, freedom, and lasting ripple effects for generations.

Start making a passive income here: https://bit.ly/4fwKLtE If you're a saver who budgets every penny but still feels stuck or a spender who can't stand the thought of a budget you're going to love this conversation. In this episode, I'm breaking down why traditional budgeting is broken, how it sabotages both savers and spenders, and what you can do instead to create real, lasting wealth. I'll share my personal journey from growing up on tight budgets to realizing that a budget alone never produces financial freedom. Whether you're the type who thrives on saving or the one who enjoys spending in the moment, both mindsets can keep you trapped in scarcity if you're not careful. You'll discover why neither extreme works and how the best wealth builders find the sweet spot in between what I call becoming a wise steward of your money. We'll talk about the pitfalls that cause savers to feel guilt over spending and spenders to stay stuck in a lifetime hustle with no long-term security. I'll also explain my alternative to budgeting a spending plan that puts you in control, gives every dollar a job, and frees you from the emotional baggage budgets create. You'll learn why the first step isn't cutting expenses but tracking your money over 6–12 months so you can make informed, sustainable adjustments. This isn't just about numbers. It's about using money in a way that creates freedom, impact, and joy. We'll explore practical ways to direct your surplus toward debt payoff, savings, investments, or even blessing others while making sure your money continues to multiply. I'll also share how tools like the Freedom Fund (my take on infinite banking) can help you make your dollars work twice, and why flexibility in your plan matters just as much as discipline. If you've ever felt guilty for spending or frustrated that budgeting doesn't seem to work, this episode will help you break free from the old rules and start building wealth in a way that actually fits your life.

Start making passive income here: https://bit.ly/4mdkEdT Can you actually collapse time and reach your passive income and time freedom goals faster without adding more hours or more hustle? In this episode, I sit down with Dr Nona Djavid, a former seven-figure chiropractor turned mindset mentor, speaker, and author of Elevate Your Life. She blends her background in neuroscience with deep spiritual practice to help entrepreneurs accelerate results while working less and today, she's revealing exactly how. Nona shares her personal journey from running a full-time, high-stress chiropractic business to redesigning her life for freedom, income, and joy. She opens up about the burnout that hit after achieving traditional "success" and how it forced her to rethink everything. You'll hear how she transitioned to running multi–seven figure businesses while working just one week a month, and why it wasn't just strategy it was the mindset, energy, and identity shifts that made the difference. We explore her four-step process for a quantum leap, including: - Crafting a crystal-clear vision you commit to daily - Expanding your identity to align with the life you want - Embodying that future self now - Taking bold, "unreasonable" action from your desired destination, not your current situation If you've ever been driven by fear, scarcity, or the pressure to prove yourself, Nona's story will resonate deeply. She reveals how she went from fear-fueled success to abundance-driven freedom, and how you can do the same whether you're stuck in the grind or already successful but exhausted. This is a conversation for every entrepreneur, business owner, or founder who wants to create more income in less time, without sacrificing health, relationships, or purpose. You'll learn practical ways to shorten the path to your goals and shift from struggle to "sexy money" income that flows with ease.