Chris Miles, the “anti–financial advisor,” joins Kenner to celebrate the launch of his new book, The Work-Optional Blueprint, which officially launches today. The core idea of the book is escaping the traditional “slave and save” mindset: endlessly stuffing money into 401(k)s and IRAs, aggressively paying off all debt, and hoping one day there’s enough left to retire. Instead, Chris teaches entrepreneurs how to free up cashflow, get liquid, and redirect money into passive income so they can work because they want to, not because they have to.
He shares real client stories to show what this looks like in practice. One chiropractor was making good money but constantly felt, “Where is it all going?” By examining his cashflow, restructuring loans, and moving “lazy” stock market money into more productive uses, Chris helped him free up $6,000 per month. The client immediately bought a $6,000 four-wheeler—not just as a toy, but as a symbol of freedom: he began taking weekends off, spending more time with his wife and kids, and avoiding burnout. Another client in California had $800,000 trapped in a low-cashflow rental. By selling that property and redeploying the equity into multiple rentals in better markets, his passive income jumped from $200/month to over $8,000/month using the same money.
A big section of the conversation dives into infinite banking and how Chris uses properly structured whole life insurance as a tool—not just for death benefit, but as a tax-advantaged cash reservoir. He explains that when designed with lower costs, these policies can earn around 4–6% tax-free while also serving as collateral. Instead of withdrawing cash and losing growth, clients can borrow against the policy, keep their money compounding, and simultaneously invest in their business or real estate. He cites examples from everyday entrepreneurs to big names like Walt Disney and Jim Harbaugh, showing how this kind of strategy can create a powerful leverage effect.
To close, Chris returns to his bigger mission: through his company Money Ripples, he wants to help at least 1,000 families become financially independent by 2030. He emphasizes that for newer entrepreneurs, the best investment is still their own business, not chasing passive income too early. But as profits grow, owners must learn to take money out of the business and build diversified passive income streams so they’re not at the mercy of economic shocks like shutdowns. For Chris, financial freedom isn’t just about comfort—it’s about having the resources and time to bless more lives, serve others, and live on your own terms.
Takeaways
• The experience of facing mortality can be transformative.
• Community support is crucial during health crises.
• Books should provide actionable insights, not just theory.
• Small business owners often face unique challenges.
• Resilience can be cultivated through adversity.
• Personal growth often stems from difficult experiences.
• Understanding one's health situation is vital.
• Communication with loved ones is essential during crises.
• The importance of having a plan for unexpected events.
• Sharing experiences can help others navigate similar challenges.
Sound Bites
• What do they get?
• I didn't know what to say.
• I said, what's happening?
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