Chris Miles
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Become Work


Work because you want to,

not because you have to.

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You are ready to get your money working harder for you now while protecting it, tax-free, in a whole life insurance policy

If you are anything like my clients, I bet:

  • You are a W-2 employee that makes good money but it never seems to be enough. you’re packing away thousands of dollars into your 401k but none of that money is doing anything for you now. you are looking for a better way to get your money working for you.
  •  You are a business owner who seems to always be slaving away at your business and you never have time for anything else. you’re scared if you don’t have a good month, you will have to start dipping into savings and hurting your financial stability. 
  • You have been saving but don’t want to touch the money because what if something happens? If you could only have some more stable and predictable income monthly, you would be worry-free (well, at least from the financial standpoint).
  • You are sick and tired of waiting for the “someday” to reach your financial goals. You know you’ve been a good saver of your money but if anything were to happen with your current employment, you wouldn’t know what would come of your finances.
  • You’re done with seeing no results with your financial advisor and you’re ready to do something differently. you’ve heard about alternative Investments and real estate but don’t know how to properly put your cash to make money. you want direction and you want a strategy.

You’ve been putting money into your employee match 401K for a decade without seeing any real growth and no monthly cash flow. You tried to save your way to retirement but there’s no growth in that money you have sitting in a bank account. It’s a cycle that is driving you insane.

Every day you go home from work and wonder when this will be over?  Will I ever have enough money to retire? Do people even get to retire anymore?

It’s painful to know that you’ve worked your butt off to have savings and be financially stable, but you still worry every month.

 and why is that?

You’ve been told that the traditional financial advisor, saving everything, investing in the stock market, and never taking on debt is the way to retire by 65. 

So basically, you have been told: You have one lane for your cash and that’s it. 

If you go outside of your savings account and the stock market, you are heading into the great unknown. These lies have held you back from unlocking true financial independence and gaining the freedom you crave in life. 

A life where you:

  • Never worry about making a purchase 
  • Have your time back and stop working 40+ hours in a week to earn extra cash 
  • Provide experiences for your family without stressing about the financial repercussions

To get the “work optional” lifestyle, you need to start investing differently and take control of your cashflowing investments. 

People who reach financial freedom have the education, strategy, and community around them to make amazing investments that give them stable and predictable monthly cash flow. 

We’ve all heard the saying, “your network is your net worth” and when it comes to investing your money in real estate and other passive income options, your community and the people you surround yourself with is crucial. Having confidence and trust in your investments will lead you to financial success. 

A real passive investor is someone who only spends a few hours a month looking at investments. You don’t worry about the cash coming in because you know it will be there since you’ve put your money in reliable deals.

We aren’t creating new businesses or side hustles. No, this is true passive income that frees up your time so you can choose how to live your life.

So, here’s what I see all the time in the “financial freedom” space that simply does not work. 

  • Relying on the employee 401K match to be “wealthy” in retirement.
  • Never taking on any debt. All debt is bad.
  • Saving as much money as you can in the bank since you never know when you’ll need it
  • Trusting someone else who gets paid a commission on your cash (whether it grows or shrinks) yearly to invest your money.
  • Slaving away, year after year, at your job and waiting to retire at 65 years old. 

We get so caught up in this day-to-day grind that we forget one super important part of gaining freedom.

We have to take control of our life – physical, mental, spiritual, and financial aspects – if we want to make lasting change.


The scarcity you were caught up in with your 401k retirement accounts and pinching pennies to put them in savings has to end. You deserve financial freedom and that cycle will never get you there. 

Passive income is your key to living the life you want now!

Welcome to Money Ripples. 

First and foremost, we are connectors and educators.

Money Ripples is more than just a super awesome name for a company. The name has deep meaning and purpose. 

Chris was out for a run over a decade ago when he was thinking about taking his skills and expertise of teaching people how to free up cash flow and turning it into his own business. But he didn’t just want the business to be about accumulating heaps of money. 

No, there had to be a reciprocal relationship between financial freedom and blessing the lives of others. There had to be a “ripple effect” created by the newfound wealth clients would gain with his coaching and connecting. 

Being a good steward of your cash and illuminating your blessing unto your loved ones and community is why we do what we do. Financial freedom isn’t simply, “quit your job and go live on a beach.”

No, it is about using your blessing to bless the lives of others. 

That is the ripple effect we are creating.

Take a look at our framework below. This path will lead you to the financial independence you deserve.

If you have questions, please contact us HERE.

Infinite banking is an excellent tool to accelerate your investing growth. Let’s call that “Step 1” on your path to freedom. It helps you grow your savings fast, between 4% to 6% a year!

When you have a well-designed whole life policy, you can use Infinite Banking with the policy to fund your investments and make cashflow that leads you to the work optional lifestyle. You make money in your policy with compounding interest and you make money with your investment so you make money in two places at once and can potentially double your returns!

But, a whole life policy alone can not create financial independence. You need a strategy plan for investing to make the most of your policies.

This is where strategic cash flow consulting comes into play.

If you are really committed to making a change and taking control of your life and finances, you need to think differently.

Join our community of clients and coaches who think differently and have investing success.

What sets us apart from other investing coaches:

  • We help you create actual passive income. We are not teaching you to be a network marketer, start a real estate business, invest in crypto, or do any other side hustle that will suck away your time and freedom. We are making you “work optional”.
  • We give you options with a plan. We help you create and understand your investing strategy based on your Cashflow Optimizer data that you go over with your coach on the first call. No two plans are the same and your coach knows that your financial situation will be as unique as your investing goals and freedom numbers. We help craft your plan and get you connected with operators that fit your plan. 
  • We only charge you your consulting fee, we don’t make returns from the deals you are invested in. Yes, we invest our own money into these deals and get our returns on our money, but we don’t get paid from the money you invest which is a very common practice in the alternative investment world. 
  • We have an online community that connects you with others also on this passive investing journey. We have over 100 clients in our VIP community. We host live events with deal operators, VIP monthly calls, and other special events in this space. Clients ask questions about operators, investment discussions, and keep up with each other’s lives through this community. As we said earlier, your network is your net worth. This tool helps build that network. 
  • We have a 100% success rate. Every client that has ever worked with us increases their cashflow and passive income. 
Increase your passive income today

The time is now to take action.

Are you ready to become “work optional”?


Chris Miles, the “Cash Flow Expert,” is a leading authority on how to quickly create cash flow and lasting wealth for thousands of his clients, entrepreneurs, and others internationally! He has been featured in US News, CNN Money,, and has a high reputation for getting his clients life-altering financial results in his company, Money Ripples.

After working as a traditional financial advisor and stock coach for several years, Chris came to a stark realization that the financial advising industry was not showing anyone how to quickly and safely become financially prosperous today.

After leaving that industry, Chris was able to retire when he was 28, and has since worked to teach his effective, unique strategies, for companies like Freedom Fast Track and Garrett Gunderson, and now Money Ripples, while exposing the popular myths around money that have kept so many from enjoying financial freedom and peace of mind.

Chris consistently practices and teaches small business owners how to do what no other financial advisers can or will – achieve financial prosperity, now and in the future, spending time doing what they love most.

A great way to get introduced to us is by listening to our Money Ripples Podcast.

All things finance, business, passive investing, and business-related are discussed on Wednesdays and Fridays. We frequently have on clients talking about their financial successes and how they are living their best lives thanks to passive income.

Financial freedom is not for a select few. We can all become financially free if, and only if, we are willing to break the norm and start living a life of abundance.

After 5 months of working with Chris/Money Ripples I was surprised to see that my net worth had increased by $50k. In addition to increasing my net worth, Chris also put me in touch with finance professionals who helped me put proper estate planning and insurance in place. I’m in a much better financial position now than I was before.

Jarom Smith, (Utah)