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Your 401(k) isn't savings, your mutual fund isn't compounding, and "retirement" might be the wrong goal entirely. Curtis May breaks down the 5 principles that increase the velocity of your money and the 3 rules he uses to filter every investment.
Chris Miles, your Cash Flow Expert and Anti-Financial Advisor®, sits down with Curtis May, founder of Practical Wealth Advisors and host of The Practical Wealth Show. After four decades in the financial industry and four market crashes of hearing "don't worry, the market will come back," Curtis lost his religion about Wall Street and rebuilt his approach around principle-based planning: principles drive strategy, strategy drives tactics, and products come last.
In this episode, you'll learn: ✅ Why saving and investing are not the same thing (and which bucket your 401(k) really falls into) ✅ The 5 principles: save, maximum protection, guaranteed asset placement, liquidity, and velocity of money ✅ The difference between an emergency fund and an opportunity fund ✅ Where to store cash so it keeps growing uninterrupted: the private reserve / Infinite Banking strategy ✅ Statement wealth vs. contract wealth, and why you can't take a statement to the grocery store ✅ Why mutual funds don't actually earn compound interest ✅ Why financial freedom is a capacity, not an age ✅ Curtis's 3 rules: invest in what you know, invest in what you can control, and don't chase returns
If you're a high earner who's done everything "right" and still feels stuck, this is the cash-flow-first framework for becoming work optional sooner, without turning investing into another job.
🔗 RESOURCES & LINKS 🔗 Find out how much passive income you could create in the next 12 months: ► Work Optional Calculator: https://moneyripples.com/passive-income-calculator/ ► Money Leaks Quiz: https://win.moneyripples.com/quiz2 ► Subscribe to the Money Ripples Podcast: https://www.youtube.com/playlist?list=PLc5YBvUJHO-7sH0Jth6Ch6IhCFHQiLsk9 ► Website: www.moneyripples.com
🎙️ ABOUT OUR GUEST Curtis May is the founder of Practical Wealth Advisors and host of The Practical Wealth Show. ► Website: https://www.practicalwealth.net/ ► Book: Where Did My Money Go? (coming soon to Amazon)
🤝 THIS EPISODE IS SUPPORTED BY ► Central Lending, alternative investments built for steady cash flow: centrallending.com
👋 ABOUT MONEY RIPPLES Money Ripples is hosted by Chris Miles, the Cash Flow Expert and Anti-Financial Advisor®. This channel is for people who want their money working harder so they don't have to, and who want to become work optional with enough passive income to work because they want to, not because they have to. New episodes every week on cash flow, Infinite Banking, real estate, private lending, and financial freedom.
⚠️ DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, insurance, or legal advice. Opinions expressed by guests are their own and do not necessarily reflect those of Money Ripples or Chris Miles. All investing involves risk, including possible loss of principal, and past performance does not guarantee future results. Life insurance policies, guarantees, and dividends depend on contract terms and the financial strength of the issuing company. Sponsored mentions are paid partnerships and not an endorsement of any specific investment. Consult a qualified professional before making financial decisions.
