Join Big Mike in a new episode with Chris Miles, founder of Money Ripples and author of The Work Optional Blueprint. Chris, a former Wall Street advisor who retired at 28, shares his journey from millionaire to welfare during the 2008 recession, rebuilding his wealth twice by 39. Discover how to achieve “work optional” freedom—passive income replacing job earnings—through infinite banking, tax strategies, and diversification beyond stocks. Chris warns against Wall Street complacency, predicts market peaks, and advocates rebalancing into alternatives like real estate amid overvalued equities.
HIGHLIGHTS OF THE EPISODE
00:00 – Welcome to the BigMikeFund Podcast
0:19 – Guest Intro: Chris Miles
0:43 – New Book Launch: The Work Optional Blueprint
2:05 – Becoming Work Optional Through Passive Income
2:34 – Chris’s Journey: Retired at 28, Recession Recovery, Retired Again at 39
3:39 – Anti-Wall Street Stance Amid Market Complacency
5:18 – Chris’s Background as Financial Adviser and Stock Trader
6:03 – Noise vs. Signal: Filtering Media Distractions
8:05 – False Security and Scaling Out of Overvalued Stocks
9:21 – Average Investors Sell at Bottom; Smart Ones Bail Early
11:07 – Taking Profits: Crypto Example and Stock Strategy
11:29 – Be Greedy When Others Are Fearful (Warren Buffett Wisdom)
12:51 – Diversification and Rebalancing Portfolios
13:38 – Opportunities in Beaten-Up Commercial Real Estate
15:22 – Infinite Banking Update: Steady Dividends Rising
16:05 – Warren Buffett’s Cash Hoard and Float Strategy
18:58 – Infinite Banking Advantages Over Buffett’s Approach
19:51 – Life Insurance as 6% Tax-Free Temporary Holding
20:10 – Vanguard’s Low S&P 500 Return Prediction (2.8-4.8%)
22:22 – MAG 7 Dominance in S&P 500 (30% Weight)
23:06 – Approaching Market Peak: Signs of Elevated Risk
24:23 – Final Thoughts: Hope Through Contrarian Choices
If you found this episode substantial and want to dig deeper into real estate, or maybe you want to discover better investment opportunities, be sure to check out www.tempofunding.com.
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Full Transcript:
Mike Zlotnik (00:02.167)
Hey, Chris.
Chris Miles Money Ripples (00:03.371)
Hey, how’s it going Mike?
Mike Zlotnik (00:05.274)
Great to see you.
Chris Miles Money Ripples (00:06.658)
Same here.
Mike Zlotnik
Welcome to the BigMikeFund Podcast. I’m the Big Mike, Mike Zlotnik. And today it is my pleasure and a privilege to welcome back my really good friend. Chris miles with money ripples. Hey Chris.
Chris Miles Money Ripples (01:47.586)
Hey Mike, it’s good to be back on again.
Mike Zlotnik (01:50.114)
Awesome to have you back. How things are going? What’s going on? We are getting this recording done in mid October 25. So what’s new and exciting in your world?
Chris Miles Money Ripples (02:01.464)
Well, new and exciting, we’re about to launch our book, the work optional blueprint that’s coming out here. And well, depending on when this airs, probably after the time this airs. So, we actually have the pre-launch coming out in October and then we’re officially launching the book in November. So we’re really excited to have that come out. That’s my first official real actual book that I’ve done. I’ve done contributions to books. I’ve done an ebook that was like 35 pages long.
This was definitely a big project that we’ve been working on for the last really year, almost year and a half. So, decided to get that baby born.
Mike Zlotnik (02:36.975)
You know, it’s harder to get a book out sometimes than to have a real baby. I have my book in working for two years now, well, the second book, but it’s a hard process because you write it and then you try to make it better and better and things change and you make it better. So congratulations. That’s wonderful. How would folks sign up to get a copy? there an easy way? What’s the page?
Chris Miles Money Ripples (03:01.102)
Yeah.
Mike Zlotnik (03:06.479)
Sayonara Peach
Chris Miles Money Ripples (03:08.216)
Yeah, easy thing you could just go on Amazon, obviously, and get it there. Obviously, you can go to moneyripples.com as well.
Mike Zlotnik (03:15.631)
Okay, that’s great. So hopefully it’ll be a bestseller, bestseller on Amazon and in moneyripples.com. What is the book all about?
Chris Miles Money Ripples (03:23.726)
Yeah, so work optional blueprint, what it’s really about, it’s about how to become work optional, which is really a term we refer to is when you have enough passive income coming in from your investments, investment income that’s coming in, where you no longer have to work at your job. You work by choice, not by necessity. And so you really become work optional, right? It’s like what Robert Kiyosaki talks about is getting out of the rat race. The thing is that, you we hear about that, we read about it in Rich Dad Poor Dad, but we don’t really know how to do it.
And in my story specifically, I actually did it the first time when I was 28 years old back in 2006. Came out of retirement 2007 to teach people how I did it because I was so amazing. And then about 2007 through 2009, we hit the recession and all of a sudden our business is starting to fail. My real estate’s failing. And I went from millionaire to welfare essentially, right? I was literally on welfare, you know, getting food and things like that. and so I was, I was struggling and, luckily during that time I was able to
Mike Zlotnik (04:12.057)
Yeah.
Chris Miles Money Ripples (04:21.198)
not just start over, but I had to start from really a million dollars in debt and had to dig back out of that hole. I didn’t go bankrupt. So I had to pay off that debt, build it back up, build up my portfolio to where by the end of 2016, I did it again. And so I didn’t just do it for myself twice by the time I was 39 years old, but I’ve also had clients do the same thing over and over again with the same system and process. And so that’s what the book really focuses on. It’s about my journey, but it’s also about how you can actually create that time freedom through financial freedom.
Mike Zlotnik (04:50.361)
That’s that makes a lot of sense. That’s actually a wonderful journey. So let me ask you some tough questions. Really, really tough. They’re very relevant to the times. And I know you are on the Wall Street financial advisor or I’m not sure how you call yourself, but I remember on the Wall Street and then the rest is unfortunately for all of us who are in the alternative investments on the Wall Street, the Wall Street is doing great. This is the crazy part. So we’re kind of seeing
Chris Miles Money Ripples (04:54.467)
Yeah.
Chris Miles Money Ripples (04:58.958)
Mm-mm.
Mike Zlotnik (05:19.961)
There’s been some struggles with alternatives and a lot of success with Wall Street and people are incredibly complacent. It’s almost like they don’t want to do anything because things are going good with the stock market. And how do you get people to actually take action today? Because it’s, it’s kind of like when the volatility is high and the stock market is not doing well and people naturally are thinking I need something better than this.
But today it feels like it’s the reverse.
Chris Miles Money Ripples (05:49.752)
Right.
Chris Miles Money Ripples (05:53.197)
Yeah, well, I don’t blame them one bit because this is exactly what happens before there’s a crash, right? Like for example, I mean understand my background when I started I was a financial advisor I was a financial advisor selling mutual funds securities for four years I was all about Wall Street and not only was I a financial advisor But even towards the latter end of that I was also a stock trader and a stock coach
I was teaching people how to trade stocks and options and different strategies of how you can do it, you know, and things like that. I was teaching people how to do married puts so could buy the stock and buy the put option just like Mark Cuban did when he got bought out by Yahoo. And even though Yahoo tanked after Google came on board in 2005, still he had enough money because his put option protected it. So I’m no stranger to Wall Street at all. The reason I’m not a fan of Wall Street, especially right now, is that it’s extremely overvalued, which
What’s happening right now is most people just don’t care. They don’t care about facts. They don’t care about what’s going on. And I’m talking about the general public and even the media, right? Which the media, by the way, anything the media says is pretty much gonna, it’s gonna keep you broke, right? Because by the time it makes news, you’re already too late. So when you’re hearing about gold, even right now, I’m not saying you’re too late for gold necessarily, but the fact is now all the media is talking about gold and somewhat about silver, even though I think silver has more potential than gold does.
but they’re all talking about gold and everything else, right? Well, this is at the point where you know you’re at the run up and everybody’s talking about it. Well, I think this is what’s happening right now is when it comes to the stock market, especially, with the average saver and I wouldn’t even call them investors, your average saver, right? People that have mutual funds and 401ks, Vanguard funds, whatever it might be. The problem is this, and I like what Alastair McDonald talks about, is that there’s a difference between signal and noise, right?
The signals is actually what you can hear when everything’s silent. The noise is everything else that’s going on. When you have all the social media and media talking about what’s happening and you trying to turn on the news channels and the financial, especially even the financial news, you’re turning on all these different things. You’re hearing all kinds of noise. You’re hearing about Trump and tariffs. You’re hearing about immigration issues. We’re hearing about, you know, possible, you know, inflation still sticky. We’re hearing about the feds. We’re hearing about government shutdowns. We’re hearing about
Chris Miles Money Ripples (08:08.16)
all this kind of stuff, right? Is there a recession or not? It seems like there’s no recession in sight. Is unemployment really as bad as it seems or is it worse? Nobody knows because they keep adjusting the numbers. You know, is the government even tell us the truth? Right? I mean, all these things, is the government spending too much money? We’re going to too much debt. Is social security going to be okay? This is all noise. Yes, there could be signals within that noise, but the problem is because there’s all this 24 seven news happening, which the news companies love. The media loves it. They’re going to exploit it.
And if you get sucked into that, you’re going to get caught up in all the noise. And when that happens, what happens is that you freeze. You don’t do anything. You’re not proactive. You’re reactive. And as a result, you start hearing all this stuff going on and you don’t know where to turn. And again, I’ve heard this from clients all the time. They don’t even know where to turn. They’re like, well, I just, I’m going to stay the course because I, if I go to real estate, well, it seems like real estate’s having issues. What if I
You know, go towards gold, silver or crypto, but still, you know, there’s, mean, those things have been going up a lot. know, stocks seem like it’s okay. Everybody else is doing stocks. Maybe I’m okay. And people get lulled away into this real false sense of security. Right. And that’s what’s happening right now. And I know what’s bad right now. When someone like me, who knows these things, someone who’s like, no way I’m going to touch it. And I know other traders, stock traders that don’t want to touch the market right now either. And still.
It’s hard not to get FOMO, right? That fear of missing out. And if you know that you’re getting FOMO and if I’m getting FOMO about maybe I was wrong about stock market, maybe I should have been at the whole time. Maybe it would have been better than real estate, especially these last few years. Ooh, that’s been rough. And that’s when you start saying those things, that’s exactly when you know things are about to shift. Because when I start getting FOMO of something, that’s usually when it’s already at the tippy top, right? Um, especially when I know otherwise. And, and the problem is that most
average people are going to find themselves because when the market does drop, it drops hard and fast, right? It drops super fast. mean, even look back at, you know, 2007, it really didn’t start dropping until about the latter part, like the end of 2007, we started to see that happen fourth quarter, but then a pop break back up a year and a half later. But in that year and a half period of time, when it went down, the stock market lost about half of its value.
Chris Miles Money Ripples (10:31.776)
So by the time most people finally have the courage to say enough’s enough, they’d sell out at the bottom. They’re too late, right? That’s what average people do. Smart people, the people that actually say, you know what? I’m not gonna be like every other American that ends up being broke. I wanna do something faster. They say, screw the FOMO, screw all that. I’m gonna take my profits and run because the truth is any person who’s been in the market for at least the last few years, hello.
Mike Zlotnik (11:01.817)
Well, let’s continue chatting. I know your battery is a little low.
Chris Miles Money Ripples (11:06.99)
I just have to re-plug it in. Sometimes it just
Mike Zlotnik (11:11.201)
Yeah, let’s continue. Okay.
Chris Miles Money Ripples (11:13.342)
All right. I’ll start right back up where I said, so the problem is that even though they know, you know, there could be something better, right? They just, they still stay there. So smart investor will say, I’m going to bail out now. I’m going to take my profits and run now because in the last few years and beyond, and then the really the last 16 years, it’s been this nice, huge bull run. Why not take your chips off the table now? And it doesn’t mean you have to pull out all of your money out of the market. It might just mean.
Maybe I take a good chunk of my chips off the table, leave a little bit in, because what if it does go up? And when we’re doing stock trading, we would call that scaling out, where we would take a position and take some of those profits out. Because if it was still going up, there’s no evidence of going down yet. We would just take some of the profits, right? We’d take enough to maybe even make a gain and then leave the rest to ride. I did the same thing with crypto, you know, back in, you know, when the, the, hit the previous like back in like, was it 2017, it hit a high of $20,000 on Bitcoin.
I remember like I was telling everybody it’s about to crash and it did and it came crashing down and when it got down to about $6,000, I said, you know what? I’m going to buy in now. Even though it just the year prior, I told people don’t, don’t you dare buy that stupid Bitcoin. I went ahead and bought it because I saw an opportunity granted. It did go down a little bit further to about 3,400 bucks, but then it popped right back up. And so when it got up to roughly about $20,000 again, I said, you know what? I’m going to make sure I take all the money invested.
plus 20 % gains, I’m gonna take all that out and let the rest play. Because then I knew I made a 20 % gain and even if it lost, even if it went to zero, I didn’t lose a dime. Why can’t you do that in the stock market? Why can’t you say, you know what, I’m gonna take a lot of these chips off the table, I’ve made a lot of money and maybe I could put it somewhere else where it can actually do, a place where people haven’t been saying where it is. Because if everybody’s telling you that one thing is good, that’s when it’s not good, that’s when it’s too late. You wanna go to the places where people don’t think it’s good anymore.
That’s where you buy the best deals and find the best growth in your investments.
Mike Zlotnik (13:12.877)
Yeah, agreed. Be greedy when I was a fearful, be fearful when I was a greedy. Warren Buffett, this wisdom applies even more. If you follow market cycles, this is exactly what happens. Howard Marks, the risks have increased significantly with all the price growth in crypto, stock market, Magnificent 7, AI, Superboost, all these leading AI.
Chris Miles Money Ripples (13:16.942)
You got it.
Mike Zlotnik (13:42.928)
companies they called you know it’s the Googles it’s the chat GPT’s it’s the Oracle all these anyone with anything that touches AI what do they call them accelerators or AI they’re leading the space but Ray Dalio said recently it reminds him of dot-com boom and bust this feels like 1999 you’re
Chris Miles Money Ripples (13:50.446)
You have Oracle.
Mike Zlotnik (14:12.535)
right, you know, give it a little more time and a crash could be imminent. And this super race against China, super race where a win at all costs, there will be winners and losers and the prices people are paying for these assets are in stratosphere. And they expecting growth to be faster than anything imaginable. So we, yeah, we, we, we, we share this, this, this thought that at least people should consider diversification.
Whatever you want to call it, but rebalancing diversification is something that folks should consider even if they love Whatever they have in their portfolio. It only makes sense to diversify to whatever reasonable degree even to the point I think I’ve said this many times But a friend of mine used to be in CG. I just not gonna mention his name Called me, you know Ten months ago or or or about a year ago and said I got so much crypto
I can retire many times over. What do you got in real estate? Right? That’s the right thinking, right? I was like, yeah, thank you for calling me because we got some phenomenal opportunities today in a beaten up market and commercial real estate is truly and genuinely beaten up. So the opportunities today for the new capital are just phenomenal on a risk adjusted basis. At the same time, people are still ultra complacent and he struggled just to be very clear. He struggled to sell a little bit of a crypto.
And to diversify that little bit, which is not little bit of money, it’s actually a pretty sizable check into real estate deals because it’s a mindset, it’s a complacency, it feels like a bull run, but when will it end? And all these exactly the noise versus signal. There’s a lot of noise and really big picture conversations about national debt and…
Chris Miles Money Ripples (15:57.431)
Yeah.
Mike Zlotnik (16:07.191)
fact that you can’t trust central governments, central banks, all that said, we’re still a lot more likely to see deflationary pressures than ultra inflationary pressures, as crazy as it sounds, because AI is actually highly deflationary in nature. If you think about it, it’s going to eliminate a bunch of jobs and we may have needs to cut way faster than to deal with these ultra inflow, know, high end, high inflation. Who knows, right?
Chris Miles Money Ripples (16:19.618)
Mm-hmm.
Mike Zlotnik (16:36.313)
But let’s continue. So I love your angle. I like how you put it, that folks need to actually be contrarian. I don’t know how else to put it. Because if you follow mainstream, they lead you straight down the road to a cliff. Until you get to the point of a cliff, you don’t know. It feels like you’re still climbing, you’re still doing well. And what’s ahead? It’s a cliff. So what’s new on the…
Chris Miles Money Ripples (17:00.802)
Mm-hmm.
Mike Zlotnik (17:05.559)
infinite banking site, anything new happening, anything interesting are now the days as good as before better or it’s been around so long and it’s such a steady eddy that it’s good. was good yesterday, it’s still good today.
Chris Miles Money Ripples (17:20.986)
It’s kind of the latter for sure. I mean, it’s it’s one of those things that doesn’t make a lot of news Which is kind of why I like it, right? Now granted that being said because interest rates have been higher for longer Dividends have come up, you know, not huge amounts, but they’re they’re creeping up back upward again, right? And and this is especially important where This is what I’m seeing I’m seeing a lot of people as they’re talking about like you said diversify diversifying themselves right and where do they diversify and If you look at Warren Buffett
You know, again, Harold is the Oracle of Omaha. By the way, he’s never an or he’s never an Oracle until after a crash. And then people call him an Oracle. But before the crashes, they think he’s an idiot, right? They think he’s missing out. He’s old. He doesn’t get it. And then also when they don’t have money and he does, they’re like, that’s why. Well, right now, Buffett’s got 30 % of his portfolio, the most he’s ever had in cash, over 340 billion sitting in cash right now.
Now he has been starting to buy slowly like he’s bought into some energy, you know, like energy type companies and things like that. he’s, he’s
Mike Zlotnik (18:26.447)
In the petrochemical companies, they just announced that he was from a petroleum company with their division because they needed liquidity and he was already a shareholder. He decided to basically buy their great other business. But he’s not doing it in any heavy volume. He’s basically it was like a $10 billion transaction and he has 300 billion in a bank. He’s he’s he’s transacting, but just in a small manner.
Chris Miles Money Ripples (18:29.55)
That’s right.
Chris Miles Money Ripples (18:54.382)
Yeah, it’s interesting because I’ll hear normal, you know, people, even people that have been good discipline savers and think they know a little bit about stock market. We’re like, oh yeah, I’ve got my Apple stock. I love it. Well, he sold off his Apple Apple stock last year, you know, Bank of America. He sold off, right? He, he actually bailed out Bank of America during the last recession. That’s why he got such a good deal. He’s been selling that off, right? He’s been selling out of a lot of the tech based type companies, which is what everybody’s telling you to get into. Right? So he’s doing again, he’s doing the opposite.
And people will think he’s an idiot for doing that because he’s missing out on these returns. Yet his returns actually year to date have exceeded the stock market. Even with all this cash on hand. one thing that’s interesting when he bought that petroleum company, he actually didn’t use his own cash. You know, he did. He actually has ownership in insurance companies and he did what’s called he bought it on float. Very similar to infinite banking that we teach about where you have your cash tax free savings account, right? And you can
get a line of credit against it. Well, Buffett can do the same kind of thing, but he does on a bigger scale. He literally owns insurance companies that they will have money to sitting there, money that they can invest and do things with. You know, they’ll have it sitting there because they know that eventually they might have to keep some money on hand in case there’s claims, right? Whether it’s, if it’s auto accidents, it’s like auto accident claims. They keep some money on hand just in case. You know, you’ve got life insurance companies that they wait for people to pass on.
but they have all this money sitting around that they could do something with in the meantime. And so they can invest it and do stuff. Well, guess what? Cause Warren Buffett has ownership in those companies. He literally has his own piggy bank with those insurance companies to go borrow at 0 % to then go use their money to go make money off of it. So yes, he has a loan against it, but he’s not paying any interest on it, right? And then he’s going to make money off of it. This is kind of somewhat similar what we teach with infinite banking, where you can do the same thing. You can literally have money. Now the difference is this is that
You know, he’s obviously taken that money out, right? And doing it as a line of credit and he’s not paying interest, but he’s not really earning the interest other than on his investment. You have an advantage over Warren Buffett because you can actually be earning interest on your money and then get a line of credit from the insurance company and then still go make money with that money. Because that’s the thing you don’t, you can’t withdraw your money, but if you withdraw your money, you stop earning interest in that account. what if you left all that money in there? You just get a line of credit with the insurance company. You borrow it from them.
Mike Zlotnik (21:10.051)
Yeah, the balance is growing two places.
Chris Miles Money Ripples (21:19.008)
at a very low rate and then you use that to invest. So not only are making money in the investment, but you’re still making little spread over here too with the money they’re paying you. And so that’s the thing that’s kind of awesome. I’ll tell you, mean, even though that’s a really cool strategy, I’m still telling people, hey, listen, if you’re thinking you need to be in cash right now, for example, a of people are wondering what if I do pull money out of the market, where do I put it? Because I’m kind of scared. I don’t know where to invest it quite yet.
Well, a great temporary holding place could be in your life insurance where it’s earning right now at 6 % a year tax free. Just so you’re aware, Vanguard predicts that the next 10 years, the S &P 500 will only do between 2.8 and 4.8 % average per year for the next decade. That’s worse than a CD.
Mike Zlotnik (22:04.623)
That’s an amazing prediction. Usually the Wall Street firms avoid this type of prediction because it’s not in their best interest to market. In order to market their funds, you want to sound rosy and optimistic. to predict that kind of low rate of return, you have to be a very, what’s the word for it? A genuine, realistic, conservative.
player because they they they you know it’s a confirmation bias they they they believe and then they they select the news and they follow the the views that support their own business the wall street business so rare rarely ever you’re going to hear that kind of prediction that is fascinating
Chris Miles Money Ripples (22:47.416)
Yeah, that’s right.
Chris Miles Money Ripples (22:53.57)
Yeah, it’s true. Like it has to make you wonder how bad they think it’s going to be over the next 10 years, but they obviously know it’s like a airplane. Even if you haven’t seen it in real life, like at an air show, if you’ve ever seen in the movies when airplay is going vertical, right? It’s trying to climb, climb, climb. And pretty soon you start hearing it sputtering and still climbing, but it’s sputtering and that’s going to stall. And then it falls, right? It’s the same thing that’s happening in the market right now. They know that the gas is out of the tank.
Mike Zlotnik (23:13.839)
until it stalls.
Chris Miles Money Ripples (23:21.292)
They know that it’s gone up so hard, so fast for so long that you have to have amazing news just to keep the market going up. Or in this case, no news is good news because that’s why Wall Street’s been going up with the government shutdown, right? Because they’re like, well, hey, I don’t care. I didn’t hear anything. know, nothing’s going on because government shutdown. There’s no new numbers coming out. We’re fine. Buy. But even that they’re buying, it’s very slow. It has all this upward resistance. And so that’s where I’m just telling people like
Mike Zlotnik (23:49.561)
Yeah, I.
Chris Miles Money Ripples (23:50.832)
you’ve got to be careful. You really got to make sure that you don’t have all your chips in, in literally blue chips or tech heavy things like the S and P, which by the way, the top 10 stocks of the S and P make up 40 % of the SP. You are no longer diversified in the S and P index. That should scare you.
Mike Zlotnik (24:06.095)
Yeah, it’s the Max 7. The Max 7 weight in S &P 500 is insane. mean, essentially…
Chris Miles Money Ripples (24:11.791)
Yeah, it’s about 30 % for the Mag 7. Top 10 is about 40 % right now.
Mike Zlotnik (24:17.401)
Yeah, I mean great minds think alike and I agree with concur with you. This is the time of extreme extreme danger and extreme caution and Elevated risk and of course, we don’t know this this party can continue but it feels like I’m a huge fan of all these investment gurus, know, Warren Buffett Ray Dalio and Howard Marks and I’ve been really listening to the Mustering the market cycle by Howard Marks. It’s a great book and
You just kind of, the things that happening right now is so many real basic common sense indications. We are approaching a relative peak. The cycle always continues. There’s no start or end, but we are approaching the peak and it’s exactly the behavior. And on the other side, we’re heavily at the bottom. The opportunities in commercial real estate are so attractive. It’s almost the fear is high.
The liquidity is low. feels like everything is falling in there, but that’s exactly the best time when you got to open your mind and just like you said, take some chips off the stock market table and put it into what’s relatively cheap. So we’ll see what happens, but I don’t know. It’s kind of like people are sick and tired of listening to this. You tell them this so many times and they’re not paying attention until it happens. And then suddenly,
You know kind of people learn Afterwards, but but until it happens. It’s very difficult to convince We are out of time Chris appreciate you. This was wonderful to have you back always love to have you back and final you know any any final thoughts very quickly how would folks reach out money ripples calm any other websites
Chris Miles Money Ripples (25:50.212)
Yes.
Chris Miles Money Ripples (26:06.755)
Yeah. Final thoughts is just that there’s always hope, right? And there’s hope, especially if you’re not following the mainstream mainstream savers end up being broke later on, right? They’re the ones that become asset rich, cash poor, don’t know how to create any real financial freedom. And they’re the ones that suffer the most when there’s a market pullback. You have an opportunity to make a choice right now. You don’t have to be the victim of circumstance. You can take control of your own life. And yeah, definitely. If you want to do that, feel free to follow us at moneyripples.com. also have our money ripples podcast.
or social media, it’s all at Money Ripples.
Mike Zlotnik (26:40.048)
Thank you, Chris. Appreciate you and have a wonderful fall. Enjoy the colors. Thank you.
Chris Miles Money Ripples (26:46.071)
You too.
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