The Cash Flow Authority

Why the 4% Rule Could Keep You Working for Decades

43 min ยท 7. maj 2026
episode Why the 4% Rule Could Keep You Working for Decades cover

Description

๐Ÿš€ In this powerful episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with cash flow expert Chris Miles to unpack why traditional retirement planning may be failing everyday investors โ€” and what to do instead. Chris shares his personal journey from financial advisor to passive income advocate, revealing how cash flow investing, real estate, and alternative investments can help create true financial freedom years earlier than conventional retirement models promise. The conversation dives deep into passive income strategies, private lending, rental properties, liquidity, market risks, HELOCs, velocity banking, real estate cycles, and the mindset shift from accumulation to acceleration. If you want to become โ€œwork optionalโ€ and design a life around cash flow instead of waiting decades to retire, this episode is packed with actionable insights. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Chris Miles โ€“ Cash Flow Expert & Founder of Money Ripples Chris Miles is the founder of Money Ripples and a cash flow expert focused on helping entrepreneurs and professionals build lasting wealth. A former financial advisor, Chris is known for teaching strategies that prioritize passive income, financial independence, and cash flow investing. He is also the host of the Money Ripples podcast and works with clients to restructure finances and create sustainable wealth outside of traditional retirement models. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ Why traditional retirement planning often falls short โœ”๏ธ The difference between accumulation vs acceleration mindset โœ”๏ธ Cash flow investing strategies beyond stocks and mutual funds โœ”๏ธ The pros and cons of HELOCs, velocity banking, and leverage โœ”๏ธ Why liquidity matters during market downturns โœ”๏ธ Common mistakes investors make during strong markets โœ”๏ธ Chris Milesโ€™ โ€œGet Lean, Get Liquid, Get Outโ€ framework ๐ŸŽต Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! ๐ŸŽง Connect with Chris Miles: ๐ŸŒ Website โ†’ https://moneyripples.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/chris.miles9177/ ๐Ÿ’ผ LinkedIn โ†’ https://www.linkedin.com/in/chriscmiles ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

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17 episodes

episode How Smart Investors Are Beating the Insurance Crisis artwork

How Smart Investors Are Beating the Insurance Crisis

๐Ÿš€ In this episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with Robert Feldman, CEO and President of WOWS Insurance Services, to discuss the growing insurance challenges facing property owners, investors, and homeowners across the Western United States. Robert shares insights from nearly three decades in the insurance industry, explains the wildfire insurance crisis, the importance of fire hardening, liability protection strategies, umbrella policies, renter's insurance requirements, and how investors can protect their portfolios while navigating rising insurance costs. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Robert Feldman โ€“ CEO & President, WOWS Insurance Services Robert Feldman is the CEO and President of WOWS Insurance Services, specializing in wildfire insurance for high-value homes in high-risk areas. With more than 25 years of experience, he focuses on hard-to-place homeowner risk markets and has developed alternative insurance solutions to address gaps left by traditional carriers. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ Why wildfire insurance has become one of the biggest challenges for property owners โœ”๏ธ The role of fire hardening in reducing risk and insurance costs โœ”๏ธ Common insurance mistakes real estate investors make โœ”๏ธ How umbrella policies help protect landlords and investors โœ”๏ธ The future of insurance markets and opportunities for savvy investors ๐ŸŽต Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! ๐Ÿ’ผ Connect with Robert Feldman: ๐Ÿ“˜ Facebookโ†’ https://www.facebook.com/bobby.feldman.7/ ๐Ÿ“ธ Instagram โ†’ https://www.instagram.com/bob.b.que/ ๐Ÿ”— LinkedIn โ†’ https://www.linkedin.com/in/robertfeldman1/ ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

4. juni 202625 min
episode How to Scale From Small Deals to Multifamily Wealth artwork

How to Scale From Small Deals to Multifamily Wealth

๐Ÿš€ In this episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with multifamily investing expert Ken Gee to discuss how real estate can create true financial freedom and time freedom. Ken shares his inspiring journey from CPA and Deloitte professional to building a $200M+ multifamily portfolio through KRI Partners. They dive deep into value-add investing, scaling multifamily portfolios, underwriting deals correctly, avoiding beginner mistakes, and why todayโ€™s market may be one of the best buying opportunities in years. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Ken Gee โ€“ Multifamily Investor & Founder of KRI Partners Ken Gee is the Founder and Managing Member of KRI Partners, a real estate private equity firm specializing in the acquisition and management of value-add multifamily assets worth $160 million. Ken is also an educator and the creator of the Multifamily Investment Academy, where he provides investors with the frameworks and technical skills needed to evaluate and scale high-yield real estate portfolios. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ How Ken Gee transitioned from CPA to full-time multifamily investor โœ”๏ธ The importance of neighborhoods when evaluating deals โœ”๏ธ How to scale from small deals into a real multifamily business โœ”๏ธ How value-add investing works on both older and newer properties โœ”๏ธ What opportunities exist in todayโ€™s multifamily market โœ”๏ธ How Ken Gee helps educate new multifamily investors ๐ŸŽต Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! ๐Ÿ’ผ Connect with Ken Gee: ๐ŸŒ Website โ†’ https://www.kripartners.com/ ๐Ÿ”— LinkedIn โ†’ https://www.linkedin.com/in/geekennetha ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

28. maj 202632 min
episode How Self-Employed Investors Get Approved for Mortgages artwork

How Self-Employed Investors Get Approved for Mortgages

๐Ÿš€ In this episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with mortgage broker and Prosperity Lending founder Alejandro Szita to discuss the unique challenges self-employed entrepreneurs face when qualifying for mortgages and building wealth through real estate. Alejandro shares insights from nearly two decades in lending, explains how credit scores really work, breaks down DSCR and community mortgage products, and reveals strategic ways investors can use financing to scale their portfolios. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Alejandro Szita โ€“ Mortgage Broker & Founder of Prosperity Lending Alejandro Szita is a mortgage broker and founder of Prosperity Lending, specializing in financing solutions for artists, entrepreneurs, and self-employed professionals. With experience in real estate since 2006 across residential, commercial, and capital-raising roles, he is known for structuring loans for complex income profiles and is a regular guest on real estate and finance podcasts. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ Why self-employed borrowers struggle with traditional mortgage lending โœ”๏ธ How credit scores are designed and why entrepreneurs are often penalized โœ”๏ธ The difference between institutional lending and private lending โœ”๏ธ How DSCR loans, HELOCs, and community mortgages work โœ”๏ธ Strategic ways investors can use financing to scale real estate portfolios โœ”๏ธ Why real estate is a โ€œteam sportโ€ and how partnerships create opportunities โœ”๏ธ What makes someone truly ready to buy investment real estate ๐ŸŽต Whether you're an investor, agent, entrepreneur, or homebuyer, this episode offers valuable insights! ๐Ÿ’ผ Connect with Alejandro Szita: ๐ŸŒ Website โ†’ https://www.prosperitylending.us/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/prosperitylendingfb/ ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/alejandroszita/ ๐Ÿ”— LinkedIn โ†’ https://www.linkedin.com/in/alejandroszita ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

21. maj 202630 min
episode The House Hacking Strategy Most Beginners Ignore artwork

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๐Ÿš€ In this episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with Marine Corps veteran and real estate investor Andrew Postell to break down the power of long-term real estate investing. Andrew shares how he used the BRRRR strategy, house hacking, and off-market investing to build wealth from the ground up โ€” even starting with properties worth only a few thousand dollars. From lessons learned in the Marine Corps to building a strong investor network, this episode is packed with practical advice for beginners and experienced investors alike. Plus, Andrew reveals his favorite Texas barbecue spot and why relationships are the true key to long-term success. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Andrew Postell โ€“ Real Estate Investor & BRRRR Strategy Expert Andrew Postell is a United States Marine veteran and 25+ year real estate investor known for his expertise in the BRRRR strategy. He is a self-made millionaire, a Florida Collegiate Hall of Fame inductee, and has been recognized as a Top 1% Loan Officer in America. Andrew currently serves clients through Rate and is also active in real estate investing and education. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ How the BRRRR strategy works step-by-step โœ”๏ธ Why house hacking is one of the best ways to start investing โœ”๏ธ Lessons from the Marine Corps that apply to real estate success โœ”๏ธ Why beginner investors should focus on buying one property at a time โœ”๏ธ How to build confidence as a new investor ๐ŸŽต Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! ๐Ÿ’ผ Connect with Andrew Postell: ๐ŸŒ Website โ†’ http://www.rate.com/andrewpostell ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/andrew.postell ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/drewp4vp/ ๐Ÿ”— LinkedIn โ†’ https://www.linkedin.com/in/andrewpostell/ ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

14. maj 202632 min
episode Why the 4% Rule Could Keep You Working for Decades artwork

Why the 4% Rule Could Keep You Working for Decades

๐Ÿš€ In this powerful episode of the Cash Flow Authority Podcast, host Chris Jansen sits down with cash flow expert Chris Miles to unpack why traditional retirement planning may be failing everyday investors โ€” and what to do instead. Chris shares his personal journey from financial advisor to passive income advocate, revealing how cash flow investing, real estate, and alternative investments can help create true financial freedom years earlier than conventional retirement models promise. The conversation dives deep into passive income strategies, private lending, rental properties, liquidity, market risks, HELOCs, velocity banking, real estate cycles, and the mindset shift from accumulation to acceleration. If you want to become โ€œwork optionalโ€ and design a life around cash flow instead of waiting decades to retire, this episode is packed with actionable insights. ๐ŸŽง Hosted by: Chris Jansen ๐Ÿ‘ค Guest:๐Ÿก Chris Miles โ€“ Cash Flow Expert & Founder of Money Ripples Chris Miles is the founder of Money Ripples and a cash flow expert focused on helping entrepreneurs and professionals build lasting wealth. A former financial advisor, Chris is known for teaching strategies that prioritize passive income, financial independence, and cash flow investing. He is also the host of the Money Ripples podcast and works with clients to restructure finances and create sustainable wealth outside of traditional retirement models. ๐Ÿ’ก What Youโ€™ll Learn: โœ”๏ธ Why traditional retirement planning often falls short โœ”๏ธ The difference between accumulation vs acceleration mindset โœ”๏ธ Cash flow investing strategies beyond stocks and mutual funds โœ”๏ธ The pros and cons of HELOCs, velocity banking, and leverage โœ”๏ธ Why liquidity matters during market downturns โœ”๏ธ Common mistakes investors make during strong markets โœ”๏ธ Chris Milesโ€™ โ€œGet Lean, Get Liquid, Get Outโ€ framework ๐ŸŽต Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! ๐ŸŽง Connect with Chris Miles: ๐ŸŒ Website โ†’ https://moneyripples.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/chris.miles9177/ ๐Ÿ’ผ LinkedIn โ†’ https://www.linkedin.com/in/chriscmiles ๐ŸŽง Follow Chris Jansen: ๐ŸŒ Website โ†’ https://theflowauthority.com/ ๐Ÿ“˜ Facebook โ†’ https://www.facebook.com/flowauthority ๐Ÿ“ท Instagram โ†’ https://www.instagram.com/theflowauthority/ ๐Ÿ“Œ Donโ€™t Forget to LIKE ๐Ÿ‘, SUBSCRIBE ๐Ÿ”” & COMMENT ๐Ÿ’ฌ Below! โญ Produced by Icons of Real Estate - https://iconsofrealestate.com/ [https://iconsofrealestate.com/]

7. maj 202643 min