Episode Summary

Host Jennifer Gligoric welcomes cash flow expert and “anti-financial advisor” Chris Miles—founder of Money Ripples and host of the Money Ripples Podcast—to the Super Clinic Project Podcast. Chris reveals why traditional financial advice often fails clinic owners, how to break free from the “retire late, live cheap” trap, and actionable strategies for building true passive income and time freedom. From creative real estate deals to lending and raw land partnerships, this episode is packed with real-world stories and investment tips for clinic owners ready to scale their wealth with confidence and ethics.

Key Topics & Takeaways

Challenging Traditional Financial Advice

• Chris explains why most financial advisors are stuck in outdated thinking—and how his own father’s retirement struggles inspired him to do things differently.


• The “anti-financial advisor” mindset: Why saving more and spending less isn’t enough for real freedom.

Passive Income & Real Estate: The Real-World Playbook

• How to leverage real estate, private lending, and partnerships for consistent, hands-off income.


• Real-life case study: A Gen Z investor house-hacks his way to property ownership and financial independence using Airbnb and creative strategies.


• Why quality property management and ethical investing matter—for your peace of mind and your tenants’ well-being.

Diversification, Not Just “More Rentals”

• Why the old “buy rentals and hold forever” advice doesn’t always work in today’s market.


• Alternative investments: Lending, industrial, and raw land opportunities that can outperform traditional rentals.


• The power of diversification: Don’t park your wealth in one place—spread risk and maximize returns.

Ethical & Impactful Investing

• How to invest with integrity, creating win-win situations for both investors and tenants.


• Why investing in Main Street (not just Wall Street) can help you align your money with your values.

Market Realities & Forecasts

• Chris’s take on the current market: What’s changed since the last financial crisis, why the stock market is overvalued, and where clinic owners should look for real opportunities right now.

Actionable Insights for Clinic Owners

• Question “standard” financial advice—seek out strategies that work for your goals and values.


• Consider creative, hands-off investments like private lending and land partnerships.


• Diversify your assets: Don’t rely solely on rentals or the stock market.


• Work with experienced partners for property management and investment deals.


• Focus on investments that give you both financial and time freedom—so you can work by choice, not necessity.

Memorable Quotes

“Most people retire late and live cheap—not because they want to, but because they followed the wrong advice.” — Chris Miles

“Passive income isn’t just for the ultra-wealthy. With the right strategy and team, anyone can build it.” — Chris Miles

“Diversification is your best friend—don’t put all your eggs in one basket, especially now.” — Chris Miles

““The best investments are the ones that give you both financial and time freedom.” — Chris Miles

Exclusive Resources for Listeners

• Chris’s Free Resources: Get cash flow tips, investment guides, and more at moneyripples.com


• Super Clinic Project Free Skool: Bonus content, quizzes, and downloadable resources for this episode at superclinicproject.com

How to Support the Show

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About Our Guest

Chris Miles is a nationally recognized cash flow expert, founder of Money Ripples, and host of the Money Ripples Podcast. He’s helped clients increase their cash flow by over $300 million in the last 13 years and specializes in helping business owners and professionals create true financial and time freedom through creative, values-driven investing.

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