Are Financial Advisors Lying to You About Stock Market Returns?

Start making passive income here: https://bit.ly/4meLlzf  Are you being misled about your investment returns? In this episode, I break down one of the biggest myths in traditional financial planning the difference between average returns and actual returns and why this gap matters more than most people realize. Financial advisors, media pundits, even names like Dave Ramsey have been preaching 10–12% returns for decades, but what does the data actually say? I walk through historical numbers from the S&P 500, show you why average returns are mathematically deceiving, and explain how this confusion can derail your retirement plan. You'll hear how I learned this firsthand as a former financial advisor and why I walked away from the industry. I also share what I’ve seen work instead: real strategies based on cash flow, passive income, and tangible assets like real estate and lending. If you're tired of feeling like the numbers don't add up and you're ready for real clarity, this episode is for you.

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Are you tired of working harder just to see your money go out the door faster? Do you dream of achieving financial independence, retiring early, and finally living life on your terms—without cutting corners or sacrificing your lifestyle? Welcome to the Money Ripples Podcast, hosted by Cash Flow Expert and Anti-Financial Advisor, Chris Miles. This show is your no-nonsense roadmap to escaping the rat race, creating sustainable passive income, and building wealth that lasts for generations. Every Wednesday and Friday, Chris delivers straight-shooting episodes packed with strategies and insights you won’t hear from traditional financial advisors. With over a decade of experience helping clients generate real cash flow from real assets, Chris pulls back the curtain on how to make your money work harder for you—so you don’t have to work so hard for your money. What You’ll Discover: How to Create Passive Income Without Risky Gambles Learn proven strategies that allow you to safely generate recurring cash flow from real estate, business investments, and alternative income streams. Infinite Banking Strategies (Without the Confusion) Discover how to leverage the power of infinite banking using whole life insurance to grow your wealth tax-free, protect your capital, and fund your own retirement—all while keeping full control of your money. How to Retire Early (Even in an Unstable Economy) Tired of waiting until you're 65+ to enjoy your life? Chris shares how to build your own path to early retirement, even if the stock market is shaky, taxes are rising, or inflation is creeping in. The Truth About Financial Freedom Cut through the hype and learn what real financial freedom looks like—and how everyday people (just like you) are achieving it through smarter cash flow decisions and better stewardship. Wealth Mindset + Money Stewardship Financial independence isn't just about making more—it's about managing it wisely. Learn how to become a better steward of your wealth with practical mindset shifts that align with your values and legacy goals. Why Listen to Money Ripples? Chris Miles isn’t your typical financial advisor. After losing everything by following traditional advice, he rebuilt his wealth by doing the opposite of what Wall Street tells you. Since then, he’s helped hundreds of entrepreneurs, investors, and everyday families create six and even seven figures in passive income—all without living below their means or relying on risky investments. With a focus on cash flow over accumulation, Chris offers real solutions for those who want more freedom, less stress, and a faster path to retirement. Whether you’re just starting your journey toward financial independence or looking to optimize your existing wealth-building strategy, this podcast is your trusted companion. Each Friday, tune in for inspiring interviews with top financial minds, business owners, and investors who are walking the talk. These conversations are raw, insightful, and often surprising—designed to give you ideas you can apply right away. Start Your Journey to Financial Freedom Today The Money Ripples Podcast has been downloaded millions of times and featured in major media for a reason—it delivers results. If you're ready to break free from financial mediocrity and create a life of abundance, hit that Subscribe button and start listening today. New episodes drop every Wednesday and Friday. Your work-optional life is closer than you think.