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Chris Miles Joins Us On The Steve Jobs Inspired Join Up Dots Podcast
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Introducing Chris Miles From Money Ripples
Chris Miles is t
odays guest joining us on the Steve Jobs inspired Join Up Dots free podcast interview.
He is a man who throughout his working life as a financial advisor and stock coach had doubts.
Beginning to have a dawning realisation that the world was lacking something in financial education.
He realised that the industry was not showing their clients the way to become quickly and safely financially prosperous.
They show us how to invest into accounts, stocks, bonds and for the main part go the safe and slow route.
But they dont tell you the stuff that you need to know.
Just like the UK’s money man Pete Matthew reveals in his podcast interview
As Chris says in his own words “I’m not your stale, boring, suit-wearing financial guy telling you to give me your money.
Instead, I am THE financial advocate for the entrepreneur teaching you how to free up cash to put back into your businesses.
Make a boat-load more money than what the lame, traditional financial “experts” teach.”
But if you think that this is a story about a guy, who found his thing early on in his life and then crushed it worldwide, then think again.
How The Dots Joined Up For Chris
From leaving high school after graduating in lots of sports and classes that he never studied for, Chris Miles moved through a series of customer service, advisory office positions.
Little by little the light shone above him and Money Ripples started creating waves across America.
So what was it about his colleagues and the industry methodology that really started to show him his path to success?
And is he surprised still, at the amount of financial leaks that individuals and businesses have that they are not aware off?
Well let’s bring onto the show to start joining up dots, as we discuss the words of Steve Jobs the man who says you cannot go full throttle without the right parts in place, the one and only Mr Chris Miles
Show Highlights
During the show we discussed such with Chris Miles weighty topics such as:
How he got the idea for Money Ripples when running early morning.
He just knew instinctively that this was what he was looking for in his life…and best of all the domain name was available too!
How much to the distress of his wife he once turned down a salary for $500,000 from a company that wanted him to work for them.
He just didn’t feel that he could provide the commitment that they wanted
How much he hated a sales job, and would literally have nightmares about it.
However he finally woke up and realised that he was going to have to relive that nightmare for real each day.
Why he realised during reading the autobiography of Malcom X that he had a voice to be heard, and needed to throw off his personal fears and speak out to the world
And lastly……
Why it is so important to do what you love and what other people love to become financially rewarded for your efforts.
How To Connect With Chris Miles
Return To The Top Of Chris Miles
If you enjoyed this episode of Join Up Dots then why not listen to some of our favourite podcast episodes such as Michael Fishman, Michael Michalowicz Lolly Daskal or the amazing Alfie Best
Or if you prefer just pop over to our podcast archive for thousands of amazing episodes to choose from.
Audio Transcription Of Chris Miles Interview
Intro [0:00]
When we’re young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling. Join Up Dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here’s your host live from the back of his garden in the UK. David Ralph.
David Ralph [0:26]
Yes, hello there everybody and welcome to another episode of Join Up Dots. I’ve got a little bit of a frog in my throat today so if I get a bit Huskies Not that I’ve gone a bit sexy for the show. It’s just I’ve been recording all day today. So the voice is fading a little bit. But I’m not gonna fail when I’ve got the guest on the other side because he’s got a super duper microphone he sounds all deep and boom, he so I can sort of let him take up where I found he is a man who throughout his working life as a financial advisor in stock code began to the dawning realisation that the world was lacking some banking financial education. He realised that the industry was not showing their clients the way to become quickly and safely. Financially prosperous, they show us how to invest into account stocks, bonds, and for the main part go to safe and slow route. As he says, In his own words, I’m not your style boring suit wearing financial guy telling you to give me your money. Instead, I’m the financial advocate, but the entrepreneur teaching you how to free up cash to put back into your businesses, and make a boatload more money than what the lame traditional financial experts teach fighting talk. But if you think that this is a storey about a guy who found he’s been early on in his life, and been crushed it worldwide event think again from leaving high school, after graduating and lots of spots and classes, but he never studied for the move through a series of customer service advisory office positions until the light shone above him. And money ripples started creating waves across America See that? That’s good, and it weighs and ripples anyway. So what was it about his colleagues and the industry methodology that really started to show him his path to success? And is he surprised still at the amount of financial leaks that individuals and businesses have, but they’re just not aware? Well, well, let’s find out as we bring on to the show to start Join Up Dots. The Man Who says you cannot go full throttle without the right parts in place, by the one and only Mr. Chris Miles. How are you, Chris?
Chris Miles [2:24]
I’m great, David, how you doing?
David Ralph [2:26]
I am very well, we were having a little chat beforehand. Don’t wait. And we have got something in common. We are pretty much reproductive monsters aren’t where you have had five kids?
Chris Miles [2:38]
That’s right, five kids between the ages of two and 10.
David Ralph [2:41]
How did you do that? I didn’t want to say that at the time because I thought Hang on. With the greatest respect, your wife must have been pregnant for 10 years, just constantly, constantly, constantly with a with a window of opportunity in between. How was that playing door? Was that you know, was that always the scheme of things you were going to get? I mean, such a small period of time.
Chris Miles [3:02]
Like everything in my life? It was not planned? No, no, it was definitely surprised. We wanted to have debt. We were thinking maybe four or five, possibly. But yeah, we had a surprise between our second or third where the third one came 14 months later. And then right after that, we have the fourth one, two years later. So we had our first four kids and in five years, and then we took a nice three year break, decided, Okay, we’ll go for the fifth one. And now we’re saying, okay, we like sleep, I think we might stop now.
David Ralph [3:33]
Do you watch those cheap upon a dozen films with Steve Martin and go that could be asked.
Chris Miles [3:39]
Exactly. I’m glad it’s not us to that to that extent. I mean, not against anybody who does have those, I have huge, huge respect for them. Because five is difficult enough.
David Ralph [3:49]
I always say to people, when they first fall pregnant with their kids, and obviously is a celebration, because they’re, they’re creating a family. And that’s what most people want. I always say to them, the main advice vice but I can give you is take a lot of photos of yourself now because you will never look as good again, you deteriorate big time. So take selfies wherever you can, because this is it. This is it, the bags are going to get there, the hair is going to go grey and the kids although you love them to bits, they kind of suck the life out of you. Definitely.
Chris Miles [4:22]
They’re a blessing. And and definitely Yeah, they take some work, that’s for sure.
David Ralph [4:26]
So how do you balance your life with five kids and a business which is rocking and rolling? You’ve got so much going on at the moment, money ripples is doing great stuff. You’ve got clients across America, you’ve got your online show, you’ve got your podcast, how how do you balance that? Or do you go off to work? Or do you work from home? How does that work?
Chris Miles [4:48]
I primarily work from home, they’re definitely speaking engagements that I’ll do that are outside the home and everyone’s while travel. But, you know, I really do try to control my schedule that way. You know, and really, the reason I’m able to do it’s not so much because of me, it’s because I have an amazingly supportive wife, my wife is amazing, be able to manage the house and do everything. And even right now make sure that the kids don’t, you know, show up on this radio show with all them screaming and running around. And, you know, that kind of stuff. I mean, it’s, she’s been a huge support for me and all this and, and, and then definitely with, you know, working my business, working on my own terms, my own hours, working how I want to work it, it’s it makes it great. I love it. It’s great life,
David Ralph [5:28]
easy, easier to be an entrepreneur, when the other partner if you are married, or you’re in a relationship actually understands, because I speak to so many people where they kind of go, to be honest, my wife or my partner is supportive. But they don’t really know what I’m doing. And more important or not, they don’t really know why I want to do is why I’m not just getting a safe job, a nine to five a paycheck each month.
Chris Miles [5:56]
Yeah, my wife, she was she was blessed or cursed to Hey, look at it. She from the time that we’re pretty much engaged to be married. I’ve been an entrepreneur, so I’ve been entrepreneur for about 13 years, we’ve been married about 12 and a half. So it’s she’s I mean, she definitely knows the why she doesn’t know, obviously, she doesn’t understand all the inner workings of me, but I truly try to really communicate that with her, just that she knows really what’s going on. And, and she knows that, you know, even though sometimes it’s been a rough, rough road, as well, I’m sure we’ll talk about, you know, she’s definitely understands that, that, you know, I have a gift and I have I have a purpose and a mission to accomplish and, and that’s I’m here set to do. And it’s part of that it’s great because being entrepreneur allows me to also provide for a family and do what I love.
David Ralph [6:42]
What is your wife and Chris, she understands your why and how would you categorise that.
Chris Miles [6:49]
You know, my big Why is the whole reason that the company’s name money ripples, is because it was about two years ago I left the previous company I was with I was with them for six years I was our primary coach, we coached hundreds of people there. And and and I realised that I was focusing more towards chiropractors and dentist, people in the health and wellness industry. And I really felt compelled to serve a lot more people. And I had this vision I was I was woken up pretty early in the morning, just 4am I was woken early. Usually when I when I wake up early at 4am. It’s It’s not an easy task, there’s usually some big spiritual reason behind it. And so I went out for a run. And during that run, I started thinking about what I really wanted to accomplish. And the thing I saw was, is that already to that point, I bless a lot of people’s lives were able to create a ripple effect in their own personal lives, that expanded out to their families. And a lot of cases we help save families and keep them together. And that ripple and I knew that could ripple to their children and their children’s children, they could go beyond generations beyond me, not to mention to the communities, with their friends and circle that way, could go out to the nation as well as across the world. And I saw that ripple effect that was being created starting with individual going worldwide. And that was really the calling, it was really calling to me saying this is what you’re here to do. Like this is part of your calling. I mean, that’s why I have a calling with my children. I know I’m called to be a father, I know I’m called to be a husband, I’m called to be a great friend. I’m called to be a stranger. But in my professional life, I really felt compelled that this heavy the route to go. And it was just a month later that this the CEO of the company that I was working with him and I had a conversation and it was decided that we needed to split up. And I also had launched money ripples brand new with a non compete agreement. So I couldn’t compete with him and all that kind of stuff. And but it’s been a great two plus years now. And just just absolutely. It’s been amazing.
David Ralph [8:46]
Would you if you could go back in time, which we will do obviously at the end of the show. But would you go back in time and being? Actually I reckon I should have started this earlier? Or was it really the right time for you to do it?
Chris Miles [9:00]
I wondered that myself. Yeah, I’ll say this, I really think was the perfect time. In fact, it was earlier than I expected. I was expecting to leave about a year later. And that was kind of my drop dead date. Leaving that company if I hadn’t become a partner by that point. But uh, but you know, it was perfectly and very divine the way it happened the way it did. It was it was perfect timing.
I yeah. Everything worked out perfectly.
David Ralph [9:28]
And what was it sort of an epiphany when angels above your head as you were running at four o’clock in the morning, which to be honest, crazies madness, and just roll over and cuddle the wife and stay in bed. That’s my advice for you. But you’re in you’re running along? Was it something that had been sort of just nagging you for a while? Or was it Oh, I’m so the clouds party, then you suddenly realise what you should be doing? That that was an angel impression there, by the way.
Chris Miles [9:56]
Yeah, you know, this is interesting. Probably the first night I ever got was when I was 15 years old. I read a book called The Autobiography of Malcolm X. If you happen to know who that character is
David Ralph [10:08]
only Denzel Washington film I’ll be honest,
Chris Miles [10:10]
exactly. Denzel Washington, the film on him civil rights leader, much like Martin Luther King was also assassinated here in America. And, and I read that autobiography, and that really struck me. And if you understood who I was, back, then I was the very, very shy kid. I was the kid that would never talk to people, or very rarely could talk to someone without getting really nervous, very, just very fidgety, I just, I had a very low self confidence. And I remember reading that I remember seeing how he went from prison life is a little like Nelson Mandela a little bit went from prison life to all sudden becoming a leader and having a voice. And I remember that just struck me, I thought, you know what, I have a voice, I respect a guy that has a voice that has something he stands for. And I thought I have that voice to I don’t know what that voice is. I don’t know what I really believe. But, boy, like I would sure like to know that. And, and over the course of time, that really came together. I mean, through the different experiences I had that, you know, took me down different paths I didn’t quite expect, but they were perfect. They were divine that way. And it led me to where I am now. And I think that’s, that’s the brilliance of it. Is that it’s it’s not it’s, you know, just like with with this, I don’t think there’s really angels singing other than like it was there. Maybe they’re humming. I don’t know. I mean, it wasn’t like a big, like a big boom, or anything like that was really more of something that was just kind of there, like that silent whisper, right, that whispering that was happening in mice deep in my heart and my soul. And as that started really come out, it really started to develop over time. And so it really kind of came to that head with that vision that that I had of what I was going to do back in September of 2012. And it was only this just then October that it was decided that I had to go and I think that was why I was so discontent for that month was I had a bigger vision than what I was accomplishing. And I knew that I was limited to only some a certain point unless I really got out on my own, and really took it to a whole nother level.
David Ralph [12:16]
Because I actually had an epiphany with the show is the only time this has ever happened in my life. But I was at work. And it suddenly smashed into me. And it wasn’t a kind of a fully realised idea. It was suddenly a realisation. But it was time to go totally time to go. And the weirdest thing was but I never took time off. Even if I was ill I’d go in and I do my shift. I’m a great one for saying, you know, you can get through a day. And then once the kids go to bed, you can go to bed, but you can just get through a day. And this was the only time but once I had this thought and it was it was a smashing into me. I felt so sad, me tired. It was just like the last 2030 years or something had come to a close suddenly, and I just slumped and I thought, I can’t work. I’ve got to go home. And I said to him, I’m going to take half day here. And I said What’s the matter with you? You will and I went? No, I think I’ve come to the end. And I went What do you mean by that? And I went, I don’t know. And I didn’t really know. But I just know at that moment, it was time to go. And we’ve been well I but next day I handed in my notice. Three months later, after my notice period was finished, I was off. I didn’t know I was going to be doing this any stretch of the imagination. But it was just that moment when it went bang. It’s time to go. And I’ve never had that before. And I bet never had that since but it was it was fascinating. But it happened at all. So yours yours wasn’t like that yours was just yeah, it’s things colours. Okay, but nicely.
Chris Miles [13:54]
Yeah, there’s always a calling to some level. But the clarity of that calling, I think really happened on that September morning. It really just it was that’s when I really saw the bigger vision and realised that my current direction, and were in what I was doing versus what I want to achieve. They weren’t matching up. And that created discontent for about a month and and eventually that’s where I talked to the partner about it. And and and that’s when we decided to split up and I’ll tell you that was a hard decision because I was there for almost six years, I helped them start that company. I mean, I really what I really viewed myself as being a partner even though I didn’t have the legal rights to it. I really was much like a partner I was the coach while he was the face he was the speaker, I was the person always back there coaching and make and making those people look good. And, and I remember that that night, you know, driving off, and I’ve actually cried quite a bit in that office because all sudden it’s like, wow, this is it. We’re it’s almost like boyfriend girlfriend breaking up, right. And, and so I remember I left that was you know, pretty puffy I went home, I was I was pretty much emotional wreck. And I actually went to South Park to set up some my church building for I came home. I remember sitting there and I remember thinking that moment, just the impression hit me and said, You know, this is this is gonna be a moment that you remember the rest of your life. You know, this is the moment of decision right now. You know, take advantage of it, it’s not going to be easy. But this is, this is the turning point, one of the turning points in your life among many, this is one of those big turning points for you. And so it gave me that piece to know you know what it’s going to be okay, like, I’m going to be okay. And it’s going to be awesome. And and it has been it’s proven to be that way. And I definitely did not take the easier path. I mean, obviously I think these are path is getting a job. Not being an entrepreneur, by took the path that was right for me. And and it’s been very rewarding that way, both on emotional, spiritual, and even a financial basis.
David Ralph [15:46]
Let’s play some words. But really tie into that feeling of this is going to be awesome. This is Jim Carrey,
Jim Carrey [15:52]
my father could have been a great comedian, but he didn’t believe that that was possible for him. And so he made a conservative choice. Instead, he got a safe job as an accountant. And when I was 12 years old, he was let go from that safe job. And our family had to do whatever we could to survive. I learned many great lessons from my father, not the least of which was that you can fail at what you don’t want. So you might as well take a chance on doing what you love.
David Ralph [16:19]
What you didn’t find out what you didn’t want to do. The kind of the company failed you in some ways. And the phrase that really struck me was that was going to be the day I died in the office. What was it really hard work? Was it beyond what you should have been given to that company?
Chris Miles [16:39]
No, I don’t think so at least, I think with that I gave my heart and soul to that company for sure. Which is what made it so emotional. But you know, really, I’m grateful for that time there. I mean, I developed a lot of what I do today in that company.
David Ralph [16:55]
So what did you use out? Right? He’s been but they but I die.
Chris Miles [17:00]
The day that I died?
David Ralph [17:00]
Yeah. When you were talking about if you would, you’d be out there unless you’ve got a directorship. And that would be like the day I died. You said?
Chris Miles [17:11]
Oh, I don’t know. I don’t remember saying that.
David Ralph [17:16]
So so it was it was a pleasant journey. It wasn’t something that filled you with dread going in every day.
Chris Miles [17:23]
Oh, no, no. I mean, see, at that time, I was still had my own business. I was just working as a part of their business. But it did create discontent. I think that’s what probably what I said, Hmm, it did create discontent, because I saw a bigger vision than what I was currently on the path for. So I loved it. But yeah, there’s definitely there’s discontent because I wanted to do a lot more. And it just wasn’t becoming possible in that company. I have worked jobs I’ve hated absolutely, you know, years ago, but but I know that one, it was one of those things where I was doing what I loved. But the vehicle I was using, wasn’t it wasn’t that best vehicle to get me to where I wanted to go anymore.
David Ralph [18:03]
Well, for people out there that are listening to this show, and they do listen in their thousands, and I get emails and they go, I hate my job. I hate my situation. I hate my girlfriend, I hate my boyfriend. And some of them are really quite strong. But life isn’t good for them. You’ve done jobs, but you didn’t like you hated and I certainly have done jobs that I didn’t like and hate, right? What is a good way of sort of transitioning through that period? Is it just taking control of the situation? Or is it making sure that while you’re in that situation, you learn something valuable that you can take to the next point? What do you reckon, sir? Good advice.
Chris Miles [18:45]
You know, yeah, I’m thinking back in 2004, well, really, beginning of 2005, the job I can think of it was the worst one I I really for me was like the worst low I was ever in. The reason I had taken that job as I started coming financial advisor, and back then they didn’t give you business, it was actually some of you had to go and create your own business as a financial advisor. So it really was on my own in that sense. And, and I actually left a, you know, a 30 hour week job to then go do that full time. But only a few months later, I realised I was in a cash flow crunch, I was having a hard time paying the bills. And because of that pressure, I was buckling under that pressure. I was not I was not doing doing well in that situation. So I had to go back out and get a job, I was going to get the old one that I had because I knew I turned my back on, I was going to go back there. But I went to one I thought well, maybe somebody can help me with a sales aspect of my position. So I went work for a company where I call it smile and dial, which is you know, you smile and you dial numbers all day, right base, you’re a telemarketer. And, and I did it from seven in the morning till 3pm. And then from three in the afternoon on sometimes till nine or 10 o’clock at night, I would work as a financial advisor. And it was actually me I was I was calling people that were actually customers of that company, but I was trying to renew them for another year. But just the pressure of doing that and feel like had it be a salesperson and had to do it fast. Because they wanted you to do it a short period of time. And your pay was based on how much you sold in a certain period of time. And so I remember just going to bed and having nightmares of that job. And then I wake up and be relieved because it was only a nightmare. But then realised my alarm clock was screaming at me telling me to get up to go to that job. And at that time I even had a car repossessed. So I was driving a, you know, an old beater car that my neighbour had sitting in their garage, we had actually pin up the upholstery on the roof. So when it’s in the head, you know, all those kind of things that were going on at that time was really a rough period of time for me. And it was only three months. And what’s interesting is what got me through that. And now in hindsight, I don’t feel as bad about it. I actually see it was a very good experience. But, you know, yeah, one thing that really got me through that was just faith, faith, knowing that that’s temporary, that’s not a permanent situation, that there’s always an answer. And so I really, I really got to a place of submission, where I really became submissive, and, and accepted, like where I was and said, You know what, I’m grateful to even have this. I’m going to get through this. I don’t know when, but I know I will. And I remember that time there was a there was a neighbour of mine who said he said, You know, I know you don’t have a whole lot of experience, trading stocks and options. But I know you’re a good teacher. And there’s gonna be a position open up in this company soon. So, you know, would you be willing to do something like that? I said, Yes, absolutely. What do you mean, what do you want me to do? I want out of this job. And he said, Well just hang tight, you know, we’re not ready yet, but should be any day. Well, that any day ended up being about two or three months. So I had to wait a while when you’re going to a job every single day that you hate, it’s a it feels forever.
But I’m about to tell you that just the fact that that I had hoped that something else could be coming up down the road is what carried me through those days. And so for anybody that’s working a job they don’t like, you know, I recommend a couple things. One is definitely be patient. And and know that, you know, pains, pains, only temporary, you know, but joy can be forever. And so know that it’s just temporary situation. But secondly, is this is that, you know, you really don’t know what can happen, you really don’t know what’s what the whole purpose of everything is. But when you really rely on your faith, you really, you really let rely on a place where you know that you can apply your your strengths and your gifts and and the best of who you are into any position you do. If you don’t like it, let’s just see if you can find a way to make it your own unique role. This even happen to me when I was coaching, I did that for a few years. And it got to a point where I really got monotonous and very boring, because they’d have to teach me annual. And I just said, You know what, I don’t care what the company wants me to do. I’m going to teach it how I want to teach it. And so I still taught their manual, but I would, I would infuse things that I learned, especially about principles of creating wealth that was starting to really understand at that time. And as I started integrate that into what I was doing. And what was neat is, is when people would come around to the time of offering the reviews of the coaching, I would get strong reviews every time in fact that a 50 coaches I had was one of the top two rated coaches out of 50 coaches in that company. And I laughed because it wasn’t even teaching their curriculum half the time I was teaching my own stuff mixed in with their curriculum and making it my own. And it made it passionate and made it fun. And next thing I know, like I’m excelling there and making more money there because I’m doing well over there. And so it even made something that really didn’t become as enjoyable of a work, I was able to turn that around and make it better. And so I think that’s the big thing is is one Be patient and then to see if you can find a way to make it better and make a great instrument you’re currently in and you’ll find that you’ll probably come out of it. If you do change up to come out of it much better. And you’ll probably come out with a much better path down the road. Do you know that is
David Ralph [24:11]
absolutely amazing that storey because honestly, that is my history that the storey you just said their very first job that I ever had. We used to have stickers all over the place, smile, you’re on the telephone. I used to have to do that sounds job exactly as you’re saying. I used to have nightmares about the job. And I used to wake up feeling like I’d done a day’s work and then realised Oh my God, I’ve got to go in there again. Oh, yes, absolutely dreadful, dreadful, dreadful. And then I had an opportunity to become a coach and a trainer. So that’s what I did, I grasped at it. And then I got bored with the content. So I started doing it in fun ways to entertain myself as much as them and everything sort of come together, and what you did and what I did, and I’d be interested to see you think the same way with the sales role in a sales role. I learned to think on my feet very, very quickly, because you never knew what the obstacle or they were in the rejection, but the customer would come back at you with. So you had to sort of think ground very, very quickly. And in my days in a sales role was I don’t know, if you was the same, there wasn’t really compliance, you pretty much could say anything you wanted to get us out, which was a bit a bit shocking, really looking back on it. But you take elements, don’t you from the bad situations and the worst situations in life. When I look back on it were the things I gained most from because I was really having to fight to survive. And that that survival is what we choose you isn’t it and it makes you better and stronger, easy parts even life you don’t really gain much from at all do you do you feel that as well?
Chris Miles [25:51]
Absolutely. Yeah, I always joke with people. When I go through some hard times in life. I always say that what goes down my soul. So come come back up. And I tell people, it’s kind of like rock if you’ve ever seen the movie rocky three, Sylvester Stallone, when he’s when he’s fighting Mr. T. You know, he’s he’s getting hit, and just letting himself get hit the whole time. And he always says his moves or bird that is so bad. You know, you keep saying that over and over. Right? It’s kind of like that life to your like, come on, hit me again. Ooh, that was a good one. Oh, I can’t imagine how good this is going to feel on the other side. And, yeah, that’s true. I mean, it’s funny how how parallel those paths are? And, and and even though it’s only three months in that in that job? Yeah, I would agree. Like the sales was different. And here’s this funny, it’s because there is something I still apply today. And it’s a little bit different than probably what you got of it, which is perfect, because it’s just our own experience. But for me, the thing I did really well. So my might sales numbers weren’t great when they looked at the whole entire day. But when they looked at the per call average of sales, I was one of the highest people on the list. And the reason was, and this was a this was a website, this company had a website that had a membership. And it was all about doing family history were genealogy, right. And so with that, I would people would say, Yeah, I want to renew, but I don’t know. I mean, it’s only like 300 bucks a year, maybe if that. There’s like, Yeah, but I don’t know, I get stuck on trying to find my ancestors and say, Oh, great, well, how’d you get stuck on? And they would, they would show me and of course, I would have access to their family trees on the back end. And I would go look and say, Oh, you know what, I just found this person right here. And they said, Oh, my goodness, I’ve been stuck in that four months. And you found that minutes. I said, Yeah, is that cool? And I said, You know what, what you really need because some of these other people, I can already see where they are in our system, they’re in a different membership, we should probably go and add this to your membership as well. They’d say, Great, let’s do it. And so they would upsell and everything. And, and it was done, because I would serve. And in fact, they called it they called the term they use was pill for people on looking for. So and as one of the top pillars, right? I would I would just do that. Who you looking for? Great. And I’ll even do that before I’d offer a sale. I say, yeah, we’re conference Oh, but this one are like, how’s your family history? We’re going and you know, did you get stuck on anybody in the last year? Can I help you find someone and I would do that. So I’d spend more time on the phone with people but they would also buy more higher percentage of buy more. And and now that’s a lot of what I teach is when I’m teaching people about businesses that dollars, follow the value you create for other people that dollars follow value. And so if you want to make more money, stop asking how I’m going to make more money. Start asking how can I serve more people in a way that money is just a natural byproduct of that. And and that’s what it’s kind of cool. Because that service type of sales, salesmanship so to speak, or that service mentality is served me so well, and maybe so much more money than ever did, trying to use slick techniques or anything to help sell people.
David Ralph [28:55]
If you listen to this show probably won’t, I won’t even say probably every single episode, we hear the same thing. If you provide enough value to people, ultimately, you will get well known and you will become wealthy. And if you’re going for the quick route to get the money is not going to survive is going to be built on sand. And we see that so many times with affiliate marketing and different things. Where is the quick, rich scheme, but unfortunately, the people and I bought into a few of those in the time before I sort of got to where I was because you just don’t know. So you think oh yeah, if I follow that I’m going to become rich. But you realise that you’re you’re behind the curve. You’re so far behind the curve. But it’s not going to be as useful for you as effort, perseverance, a plan, and ultimately trying to find a problem for people and solving it. That is where value comes, isn’t it?
Chris Miles [29:50]
Exactly. Yep. It’s all about serving people adding value and solving problems. That’s the three key areas of helping to create value to people’s lives.
David Ralph [30:00]
So if we just step back onto the disc, Jim Carrey, Fraser, he said, Did you take a risk on doing the thing that you love? Was it a risk for you?
Chris Miles [30:08]
Oh, huge. And I’ve made jumps from different, you know, different things. Even though I’ve always been in the financial realm, I’ve made jumps from different companies or different ventures I’ve done many ripples being the most recent one. And it’s funny, so the day after, so the day after I was sitting from my church, you know, and just realise that you hear that whisper of, you know, stick it out. This is this is going to be one of those turning points in our lives. The next day, I had two people offering me positions that their companies, one of which would pay me anywhere from a quarter million to a half million dollars a year. And and I would have to do any marketing, they would just feed me people. And essentially, I’d sell life insurance is what I do. And that’s pretty much what all their guys were making this about, between 250,000 and $500,000 a year. I thought, wow, that would be awesome. And I actually went to the point of my my friend was actually the one that owned the company. And so I went to an interview with his guy that was in charge of hiring. And as I was sitting there, he was telling me all the details about what’s required. He said, Hey, we really want you in here 40 hours a week, we want you to really be committed to this, you know, you can go out of town. It was while that’s fine. But but we really don’t want people just working very part time. We want full time people. And then he got called out of the room on something. And I had some time to think by myself. Am I right? Instead of prayer? And I said, Okay, is this it or not? And, and that night came back up in my mind. And I. And so when he came back in, I said, you’re probably going to think I’m crazy. But I’m going to have to say no. And I already gone through all the training materials and everything I was all I had to do is basically just sign on the dotted line, so to speak. I said, I just have to say no. And he was shocked. My wife was also not too thrilled with that. And
Unknown Speaker [31:58]
I could imagine winning magic.
Chris Miles [32:01]
Yeah, I mean, money ripples was not even a month old. I mean, I’d barely set the corporation. So I could actually have a checking account for money ripples. And and then I’m telling her I’m sorry about not going to go that route. And you know, and she thought it was insane. She said, Well, can’t you just do that on the side? I said, No, I can’t like it, they won’t, it won’t allow me if they would allow me a few hours a week or something like that. Great. I could have done it, no problem. But when they said, Hey, this is 40 hours a week, I thought I don’t want to spend the next 20 years or more working 40 hours a week talking about life insurance all day long. I have got way more knowledge than that I’ve got way more potential nothing against them that are there because I self quite a few friends that are there. But I said, Man, I can’t do that. I have such a bigger vision. And this would actually kill that vision. I had only two months prior. And so I said No, I can’t. And so I went with the uncertain route, the way the route the head, no real estate, indeed the route that had a non compete against it, that says you can’t talk to any of your old clients. Even though I had about five, you know, four or 500 old clients of that company. I couldn’t do anything with them. I was really just, you know, really creating something brand new on my own.
David Ralph [33:15]
Dee Dee, by that time think, Chris, Chris, you must be having a breakdown or something you you’ve been working too hard go off on vacation for a while did did anyone sort of mention those kind of things that they couldn’t understand that an idea that had come into your head so recently had consumed you and you knew it was your path? And you would turn down that kind of money?
Chris Miles [33:40]
Yeah, I didn’t tell too many people about it, probably for that reason. You know, I hold my cards close to my chest sometimes when there’s things like that. I mean, but I mean, the people that were involved, though, I mean, there’s another company that want to pay me between sick only 60 200,000 a year. And I said you can’t afford me and they agreed. But uh, you know, I’ll tell you it’s Yeah, I mean, they definitely thought I was crazy for saying no, but I think I had enough of a support system around me by that point of other entrepreneurs that said, You know what, go for it. This is great. And so uh, yeah, I had I had a few naysayers and a few people like that. But most of those naysayers, I would never tell him. Tell him what was going on anyways. So
David Ralph [34:22]
how do you set this up? And this is a key point to our listeners. And so many of them are out there. And they’ve got this idea and they’ve got this business plan, and I haven’t quite pulled it together. Do you agree that you have to go and dive in and give all your focus? Or do you believe that your wife is right, but you could have done it as a side hustle until he got to the point but you could transition across?
Chris Miles [34:48]
You can do it? You can either? Yeah, I just showed this to the client this morning. One thing I noticed back in the early days when I was a financial advisor, and even including the time that I was working, calling people to instal dial, right? Hi, I’d realised that when I went back and looked at my my finances or my income, it’s funny when I had a job or money coming in from another source, my income in my business as a financial advisor, increased. When I didn’t have money coming in from a job, my money, the money, I made his financial visor, regardless of how many hours I had to devoted to it, it decreased. So the funny thing is, even though I went full time, as a financial planner, and financial advisor, I was actually making less money than when I was working, you know, part time or full time with another job. And working only part time as a financial advisor, I have made more money as financial visor going part time than full time. And I think the biggest reason is this is that you already know that money’s coming in. And when you know that you feel safe there you have that abundant state of mind, you’re not in that scarcity. It’s amazing how much better you do with business, you know, people want to say yes to you, because you don’t come off desperate. And so if you’re working a job right now, I’ve told this to a lot of my clients that are making that transition, you know, some of them have have a business, but they just want to make it full time transition. I’ll tell them, You know what, be grateful for that job, that job is allowing you to show up powerfully in your business, to where you literally can say to people, I don’t need your business. And when you could say that people say I don’t really need this fact, the path of an entrepreneur is way more difficult than me in the path of employee. The reason I choose is because I like control and freedom. And I’d rather have better odds of success as well. There’s bigger odds of failure, but also bigger odds of success if you do it right. And so, you know, I that was the path I chose. And so if people are saying, Yeah, I’m in a job, I wish I could go full time, you know, be grateful for that job. And when that when you start making your business about double what you’re making that full time job, great time to make the leap.
David Ralph [36:48]
I was talking to a chap last night, you might know him, Chris Lakota, who you don’t know, he was part of Dave Ramsey’s team, over in the States, and so branched out and he’s got his own show. And he’s got his own financial advisor. He’s doing sort of great guns. And he was saying about one of the things that he advises to his clients is, think about how much you want it. And if you want it that much, then do anything to get it, but don’t go into debt. He’s a great believer that if you have to do three jobs, then do that. But don’t go into debt. Do you feel the same way? is is it? Is it the right way to do it? Or is it the wrong way? Well, what what’s your spin on it?
Chris Miles [37:34]
I think that’s bull.
Hi, I think that’s kind of a overgeneralization and a myth. You know, and here’s now here’s where the right I definitely don’t believe people should just go into debt and do something that they’ve never proven or made work before. If, if they don’t believe themselves, it doesn’t matter. If you use your own money or somebody else’s money, you’re gonna, you’re gonna mess it up, right? You don’t believe you can make it work and you don’t work, then it’s a guaranteed fail. If that’s the case, do not go into debt. However, if you’re in it to succeed, if you’re getting, you know, especially if you have the right advice, maybe you hired a consultant or a coach, to help you through this, this phase, you know, I think going into debt is just fine. And, you know, and here’s why. I look at I look at money overall as being stewardship. You know, everything we have in our lives is stewardship, we have stewardship over our time, we have stewardship over our money, we have stewardship over our mental mindset, and how we respond to things and react in life, right or, or not react, you know, we have a stewardship over everything, I have a stewardship of my family, you know, and all these things that we take care of, right, we have a stewardship, and our whole purpose, at least, this is my opinion, our whole purpose is to expand and grow that stewardship, to make it better to beautify things to improve on things to make the world a better place, or Steve Jobs said, to leave that footprint on the planet. I believe that we’re all here to do something like that in our own unique way. And so if you’re going to be a wise steward, and you’re going to use money wisely, I think borrow money is just fine. And you know, a Dave Ramsey, and those guys will quote from the Bible saying debt is evil. Well, you know, I hate to say this, but in the book of Matthew, it uses the there’s a parable in there called the parable of the talents, has three stewards who borrow money from their servant for their master, I mean, and that master requires them to pay that money back, but to have them come back making more money. So if you can take debt, and you can go out, turn around and make more with it, I think it’s great. If you’re going to use that money and consume it or wasted, it’s not a good idea. So I don’t speak in absolutes like that. I think that it’s comes down to principle and, and how you use that money.
David Ralph [39:44]
So somebody out there who is listening to this conversation, and I sort of alluded to them before they’ve got this idea, but they don’t know it’s going to work. That’s scary, isn’t it? That’s scary to think I’m going to invest something but I could ultimately lose. And that’s the difference between you, me, and and people who do go out there and get it going somehow we’re willing to lose what we’ve got, where a lot of the people who want the dream life, they’re unwilling to let go what they’ve already got. Do you see that with the right clients?
Chris Miles [40:22]
Yeah, yeah, absolutely. There’s there’s definitely commitment levels, for sure. And there’s different levels of confidence, different levels of experience and education. All that’s really the determining factor of what’s going to happen with you. If somebody doesn’t know what they’re going to do, if they don’t know what, how to make it work, if they’re trying to make that leap. I think the best thing you can invest in quote unquote, is education, investing in getting someone to help you through that phase, to get the shortcuts almost like a wormhole in space, right? What’s that shortcut from point A to point B? How can we get there faster and easier, because I’ll tell you, I mean, even if you don’t go into debt for things like that I’ve seen people with, they spend and waste a lot more money, trying to do it on their own, then getting help from somebody who knows how to do it. And so I that’s, that’s a lot of times, what I recommend is, if they’re at that phase, Hey, you know what, get somebody who knows how to do it can help guide you through that process to do it, right? Because it’s not about working harder, smarter. People that work hard all the time and don’t make money. And there’s people that would try to work smart and try to learn all these different strategies and techniques. But they don’t know how to apply it correctly, that it doesn’t matter. And so it’s not about working harder, smarter. It’s about working right.
David Ralph [41:33]
So how did you overcome the fears that so many people have when they start a new venture, especially, but you turn down, you know, a life changing some each year? How did you overcome those fears to be able to branch out? Was it just pure faith in your product? The belief of what you were doing was providing value? Or did you have some kind of superpower, but the rest of us don’t have?
Chris Miles [41:58]
If anything, I don’t have this, the power of my wife will tell you that my wife, my wife will often kind of joke with people she’ll say, I’m not kidding when I say this, but you know, everything Chris, does, he has to do it the hard way. And no, I mean, I think, you know, it’s definitely not a superpower. It did help knowing that what I had people wanted, I think that was really important. I tell people all the time, you hear a phrase out there that says, that says something to the effect of do what you love, and the money will follow.
I think that’s I think that’s a total total. Why?
David Ralph [42:36]
You know, you can agree with that, oh,
Chris Miles [42:38]
I don’t. And here’s why. There’s a lot of people that are passionately broke, people that love what they do, but they’re broke. I will say this, if we want to make that a true statement, you have to add to it a little bit, is this a half truth. And that is this is that it’s do what you love, that others love you doing. And then the money can follow. So coming back to what we talked about earlier about the creating value for people see, if people don’t see as being valuable, you’re not going to make any money, right? Doesn’t matter if you love it. If nobody else loves it, I had a client who wanted to sell model trains, you know, trains that go around the Christmas tree, so to speak, right? He wanted to do that he wanted to bring that traditional, you know, wholesome activity back. Unfortunately, people still like to play play stations, or wheeze, right. It’s like to play their gaming consoles. And that’s how they want to spend time doing their Christmas. And so it was a noble cause, but I had to tell them, Listen, that that’s great. But that may not be the business venture for you. You want to do what people want. And so you take what you have, and what you’re passionate about and find whatever it is to help, like you said, solve people’s problems. And so he didn’t do that he actually backed out. And in hindsight, he said, Wow, that saved me so much money, cuz he’s about to go on with three partners, he’s gonna put up all the money for it. And he realised that it probably would have been got off the ground. And let’s he was like the world renowned, trained model, train expert. And so there just wouldn’t be a lot of money in that, because there’s not a lot of a lot of interest in that there’s not a lot of demand in the marketplace for it. But he now does develop websites. And and there’s a huge demand for that. And so now he’s actually doing that along with the job on the side and doing very well because, you know, he’s doing something that people really want.
David Ralph [44:25]
We have a row of shops near where I live. And basically, you can have a Carrey and a haircut. Basically, there’s so many restaurants that sell calories, and there’s so many hairdressers, and punctuating in between these are little shops that spring up, and you will pass them in, it seems obvious to me that they’re never going to win. But the people set them up. And they get all the branding and a that there was a gentleman called Mr. Brown sweet shop, and it was a traditional old sweet shop. And he set it all up and you could go in and buy the kind of stuff weights, but your mom and dad would have bought years ago in their quarters. And I used to look at that. And I used to think, How the hell was he going to sell enough sweets, bear in mind that the kids are at school. And so generally, you don’t really buy sweets for your kids on the way to school, it’s more on the way home. And he used to close like lunchtime on a Saturday, I used to think there’s no way he could do that. And you see the shops burst open all the time and the spring for exactly for that reason, as you were saying about the train is somebody who has a passion, but it’s not necessarily somebody else’s passion and is it is a crying shame when you see these things happen, because the quite honestly not going to work.
Chris Miles [45:41]
Yeah, your heart goes out to them. Because you really want those little shops to succeed. You know, because I think anybody who’s an entrepreneur wants to see anybody succeed, really anybody that’s honest, and really trying to do something good in the world. And I think passion is very necessary, you got to have passion to, there’s no doubt about that. But it’s just not enough. There’s got to be more than just passion. It’s just like, you know, the old song, you know, all you need is love. I’m sorry, you need a lot more than love to make a marriage work, right? You gotta have a commitment, you got to have yet to understand and have some of the right skill sets, even to make that marriage work, especially when conflict arises. You can’t just love each other because that can, you know, if you don’t use the right tools, and right strategies and the right principles behind it, that love could die. And it’s the same thing in business is that I say do what you love, and the money can follow. You do what you love to others love you doing, then the money can follow. So you got to make sure that people will first want it and then to you I say can follow because you got to have the right business skills to go with it too. If you don’t understand some basic things about business, or you haven’t studied about marketing, and you can learn the hard way by trying to figure it out. But I found it best to hire people that know how to do it, or the teach me how to do it myself. And then go and apply it. So that my self help you know that the self help type things that I buy, don’t become shelf help because it says on a shelf and collect dust, because you never look at them again, I take those things I learned for people, apply them and make them work. And that’s helped my business become more successful. And so it’s not enough. It’s not enough alone to have passion, you got to really get to get in there and say, first and foremost, am I creating value for people that they recognise? And who is it? Who is that person? Do I know who they are? And then secondly, do I do I understand the skills necessary to do it and you don’t have to be perfect. Trust me. I’m still figuring things out. Because once you think you figured out marketing, it all switches on you people want something different and have to learn it again, your constant always learning it’s not about not getting out there. And and sometimes making the leap helps. I don’t really recommend that for a lot of people unless you you have some safeguards in place to make sure that, you know, maybe you you have some savings built up, you don’t have to freak out and try to find a way to make money, you can really make the leap pretty easily. If you’re well prepared, and then you just go into it with that commitment.
David Ralph [48:00]
So when you created money ripples was bad part of a big plan. Could you see a dream a vision of where that was going to go? Or was it just something to call your own to bring money in at a stop.
Chris Miles [48:17]
Know that that September morning back in 2012. That was that was when the name came to my mind. Because I was trying to I was trying to think of a clever name, right? Because I really wanted to branch out and do something more and help more entrepreneurs than just chiropractors and dentists and physical therapists. And and it was during that time I saw the vision saw that ripple effect through people’s lives. I said, money ripples. And it just hit me. And I thought oh my gosh, that’s it. What was even cooler is I looked up, I went to look up the name, see if anybody had taken it, the name was available. So I could register it with the state. And then found out that the website was open money ripples. com was totally available for $8. On GoDaddy. So I thought, How perfect is that because the other names I was looking up, I was probably gonna pay between five and $10,000. Because I was trying to find something around cash flow, because that’s really my central theme is, is teaching about cash flow. And I couldn’t find anything that was really that good. And I found money ripples just fine. And it’s funny how you people will say I love that love the imagery behind that. But I want to be a tsunami, I don’t want to ripple I want to be waves, right. And, you know, it’s kind of cool to see the other people really enjoy it and take it on. And I really feel it was inspiration, that it’s a and that’s that. And that’s what gotta go I know, if I were just going for money, I would have just taken that life insurance job and done that pure and simple. I would have I would have taken the easy path, I would have taken the path that didn’t require me to have to learn to be a better marketer and have to think all the time about how to be the business owner, how to, you know, deal with my, you know, my contractors that I’m hiring and people like that. How do I deal with the the finances of the business and my own personal life? And how do I still manage being a dad? And how do I also manage, you know, my, you know, my speaking and everything I do that way and developing relationships and, and building on those, there should be a huge key to my success and all those things you have to think about all the time your mind’s always running. If you’re not, if you’re not obsessed with if you don’t love it, it becomes it would it would just be insanity, you would hate it. And I think Steve Jobs even said an interview when he was being interviewed alongside with Bill Gates. He said, You got to have that passion, are you just going to die? Like, you just you can’t make it work. If you don’t have that passion. If you’re just money driven. I’ll guarantee you and watching not just business owners, but investors. Anytime people were just money driven. If they ever saw success, it was fleeting. It would be here today but gone tomorrow. If you want lasting success, you got to go way beyond the purpose of money.
David Ralph [50:38]
Well, just before we play Steve Jobs, iconic speech back in 2005. The question that came into my head, were you talking so passionately about the the dream the empire that you’re building money ripples? When was the last time that you watched a film and actually kept up with it the whole way through? Because I find my mind is constantly on the show. So even if I’m watching a film, I suddenly go, who’s this? Where did this person come in? Oh, you didn’t realise I did? I just can’t keep up with anything. Do you find that a problem? Are you present? Or are you constantly, slightly away from everything? Because you have got that passion for the task?
Chris Miles [51:19]
I do at times? Yeah, I mean, sometimes I can shut it off. You know, for example, last night, I went to the movie theatre and watch the new Teenage Mutant Ninja Turtles movie with my, my family with my kids. And I really didn’t think about business during that time. But I’ll tell you a lot of times if I do watch a movie, especially if it’s an inspirational movie, if there’s something behind it, while it says my mind will wander and I’ll think Ooh, I should do this, or I gotta go message somebody really quick before I forget, like this, those little flashes of thoughts come in. And yeah, it’s a little bit disturbing. And it’ll even happen to me sometimes when I’m with the family off to get out of my head and just get it out, you know, just try to, you know, try to do a quick message, send it and say, okay, no, look at it anymore. Should it be present with the family? It’s, it’s the very challenging, my wife would definitely attest to that, that. You know, anytime she’s talking to me half time, I’m talking about my business. Because I mean, that’s what I obsess over.
David Ralph [52:08]
I’ll tell you what, Chris, we could swap wives and they wouldn’t notice the difference. I promise you. Probably, I had the same thing. She kind of glazes over now as I talk about this show. And but um, yeah, it’s difficult, isn’t it because it is something is not a job. It’s more than a job is a lifestyle is a passion. And the efforts you put into it, ultimately, will be rewarded for you. And then you can then share those rewards out and grow something bigger and stronger and provide more value is when I when I first had the idea of Join Up Dots exactly the same as you said about money ripples. I just thought Yes. That sounds good. And it’s only like three words. But the amount of people have said to me, yes, I know exactly what that means are that’s inspired, but it’s genius. It is funny how branding is kind of grow out of emotion more than actual words, isn’t it?
Chris Miles [53:02]
Yeah, exactly. It’s ironic, because I actually shared this quote on Facebook today. Mark Cuban, if you know who he is he he’s a billionaire. He’s on the TV show that’s popping in America called Shark Tank. Yep, yep. And he actually I found a quote of his this morning that says, Don’t start a company unless it’s an obsession. It’s something you love. If you have an exit strategy, it’s not an obsession. Meaning that you’re already looking for a way to get out of it or sell it down the road, it’s probably not an obsession, only start something that you’re gonna obsess over and love. Because, honestly, to be an entrepreneur, you gotta love it love something way more than the money, the money is just a byproduct. It’s the reward of that vibration. But it’s that love is not there, you’re just not going to make it successful, not the way it should be.
David Ralph [53:46]
But let’s listen to the words of Steve Jobs. He was a man who had that passion. And unfortunately, he’s no longer with us. But he’s, he’s legacy certainly is. And it will always be here. This is Steve Jobs.
Steve Jobs [53:58]
Of course, it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards. 10 years later. Again, you can’t connect the dots looking forward, you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something, your gut, destiny, life, karma, whatever. Because believing that the dots will connect down the road will give you the confidence to follow your heart, even when it leaves you off the well worn path. And that will make all the difference.
David Ralph [54:33]
Do you agree with those words, Chris?
Chris Miles [54:36]
I love those words. That’s a big part of my life. Yeah, I mean, if I were to go back and talk to my younger self, you know, connecting the dots. If I went back really almost 10 years, just like he was saying, you know, almost 10 years ago, I went from retired millionaire at age 28. And then within a year or so later, when I started the other company, we went through a big massive recession, a lot of people were working with real estate investors, my own real estate was going under, and I found myself in the hole about it. So I went from millionaire to upside down millionaire, where I was in the whole $9 million in total. And then each month, I was short, about $16,000 a month, between my personal my business. And I remember that time time that was a real low for me, not the same low as doing telemarketing. But was a definite low because I was the guy that was supposed to have it all figured out. I was teaching people how to get out of the rat race, quote, unquote, and now stuck. And so. So if I were going back to that version of Chris right now, let’s say the dots are connecting. You know, if you if you feel like right now that you know that you’re wondering if this, there’s a reason behind this, that there’s a lesson here to learn. Just know there’s multiple lessons you’re learning all at once you’re learning something that no amount of money can ever by you. Nothing you could have ever purchased before you’re learning right now. There’s so many blessings you have your deal with right now from being financially impoverished. So to speak for being broke, made broke is a temporary situation, but the hang tight, keep remaining faithful and the way that you follow those principles that you know are true, you keep holding to those, you’ll find out that the right things will be revealed to you at the right time. In fact, you know, I’ll tell you that, you know, over the course of those next five years or so, five to seven years of your life, you’re going to see how hundreds, if not more likely, thousands, if not 10s of thousands of people’s lives, blessed because the things you’re learning right now in the situation. In fact, you’re going to help people personally find an extra 50 million to $60 million that they can use to help give them more freedom, confidence, peace of mind, you’re saving your be saving money, you’ll be doing all kinds of things all because you went through this trial. That was your pain, that’s gonna become everybody else’s gain. So hang in there, keep it keep at it. Keep doing what you love. Keep following that, following your heart following that whisper which you know is true. Do that do what’s necessary to make it work. Hang in there, no matter what other people say. No matter what people say what they say you should go back to college and get your degree, all that kind of stuff. Hang in there, because it’s gonna work out in the end. And, you know, I can’t imagine what the next 10 years after that’s going to be like, but I know it’s gonna be great. It’s gonna be perfect.
So that’s what my response would be.
David Ralph [57:41]
Chris Miles, your response to the audience or the listeners are sitting on the bus, they’re on a train, they’re at work, they’re listening to this conversation? Can they all have a kick ass life? Do you think?
Chris Miles [57:54]
Absolutely. Not without a doubt.
David Ralph [57:58]
What’s the one thing that they’ve got to do really start making those ripples.
Chris Miles [58:08]
You’re really listening to what’s what’s happening in your heart, you know, even feeling of the next step. You know, there’s, there’s a famous CEO here in America have a restaurant chain, he actually says, don’t plan. And what he means by that is, have a clear vision of what you want, what you want to achieve. You may not know how to get there, and that’s okay. You just need to take the first step. Even that step is just getting off that bus right now. Get off that bus stop and take that next step. Whatever it might be, take that first step, but don’t worry about knowing the exact how to how you’re going about doing it. Everything right, this happened in my life. And I know that’s the same with you as well, David mean, everything that’s been great to anybody has been happening because we took that step into the darkness, only to find that the path is lit up just in front of us. Just barely, but just enough for us to take that next step. That’s all you need to know you have a clear vision where you want to go, but you just keep making that next step if you don’t know exactly the perfect path to get there. And I’ll tell you, if you stay stay true. And you follow the principles much like we talked about today and focus on serving people and creating value and doing what’s right and what you know is right. It’s it’s almost an especially if you do that with confidence and with power and faith. And not just faith not just a belief. When I say faith. It’s a different meaning to me that most people to me means it’s a knowingness, you know, you’re destined for more. Just like I knew, even in college that I was destined for more than just a full time job. You know, you’re destined for more. You just know you have to live, you just have to be that person live up to that. Be as as amazing as you possibly can and use all of your gifts and everything you’ve been given to serving others serving your fellow brothers and sisters around the world. And I’ll tell you, you’ll get what you want. And at the same time everybody else has been blessed and getting what they want is exactly the way the world should be.
David Ralph [1:00:03]
here How can our audience connect with you Chris?
Chris Miles [1:00:08]
You know, great way, I’ve got a I got a show on iTunes, the Chris Miles money show. It’s pretty original. I know. So you can listen, my podcast, I teach all kinds of things about business money, you name it. Lots of great stuff. And also, you can find me on Facebook money ripples is on Facebook as well. So you know, by all means, follow me there, check out my website, money ripples. com, get a free ebook, called Beyond rice and beans, seven secrets to free up cash today. So it’s how you can actually have your cake and eat it too. You don’t have to be cheap, you can actually enjoy your life and have a lot of money too. So great stuff. We will
David Ralph [1:00:41]
have all the links on the show notes. Chris, thank you so much for spending time with us today joining those dots. And please come back again when you have more dots to join up. Because I do believe that by joining those dots and connecting our past is the best way to build our futures. Chris Miles. Thank you so much. Thank you.
Outro [1:01:00]
David doesn’t want you to become a faded version of the brilliant self you are wants to become so he’s put together an amazing guide for you called the eight pieces of advice that every successful entrepreneur practices, including the two that changed his life. Head over to Join Up Dots.com to download this amazing guide for free and we’ll see you tomorrow on Join Up Dots.