Updated for 2026 • Course Review • Cashflow & Money Tracking
Cashflow Secrets Review (2026): The Simple System to Find Money Leaks & Increase Monthly Cashflow
If your money disappears every month and you’re tired of “eat rice & beans” advice, this course is built around a different idea: track → optimize → keep more cashflow — without creating a second job or side hustle.
Quick summary
Cashflow Secrets is a course from Money Ripples designed to help you unlock cashflow in your current situation without forcing you into extreme budgeting or a new side hustle. The official breakdown includes mindset, tracking, cutting “money leaks,” insurance and tax savings, debt strategy, passive vs active income, and an introduction to infinite banking and cashflow optimization.
Best for
- People who earn decent money but don’t know where it goes
- Anyone who hates strict budgeting but wants real control
- Families trying to free up monthly cashflow fast
- Beginners who want a structured path before investing
Not ideal if
- You’re looking for a “get rich quick” promise
- You want advanced day-trading or crypto signals
- You won’t track spending at all (even briefly)
Pricing and refund details are listed on the official course page.
What’s inside Cashflow Secrets?
The official course outline is built around a core idea: if you can improve monthly cashflow, you create options — more savings, less stress, faster debt payoff, and eventually more investing power. The program focuses on working “right” instead of simply working harder.
1) What needs to change (Introduction)
Sets the foundation: financial freedom comes from a plan you can execute — not luck, timing, or extreme lifestyle cuts.
2) Scarcity mindset dilemma
If your beliefs around money are “tight,” you’ll often make short-term decisions that keep you stuck. This section contrasts different money behaviors and pushes a more intentional “steward” approach.
3) Track and plan your spending (without harsh budgeting)
The course leans into tracking instead of shame-based budgeting. Tracking gives you data. Data gives you choices. If you’ve ever asked “How did we spend that much?” — this part is the turning point.
4) Sell unused assets
A fast cashflow unlock: stop storing value you don’t use. This lesson is about finding “hidden money” in your home and turning it into momentum.
5) Insurance savings
Many people overpay on insurance simply due to inertia. The course highlights reviewing coverage and comparing options to aim for strong protection at a reasonable cost.
6) Finding tax savings
This section emphasizes how a specialist can help uncover savings that most people miss. (Important: tax rules vary by country; treat this as education and consult a qualified pro.)
7) Debt (good vs bad)
Instead of “all debt is evil,” this module distinguishes between debt that damages your cashflow and debt that may be structured strategically. The point: protect monthly cashflow.
8) Passive vs active income
A clean beginner framework: active income typically costs more time; passive income aims to reduce dependence on your time. This lesson helps you sort opportunities and avoid common traps.
9) Infinite banking (intro)
The course introduces “getting money working in two places,” often described as a form of double arbitrage. If you’re new to the concept, treat it as an overview and continue learning before making major decisions.
10) Using Mint to track spending
The official outline mentions Mint as a tracking tool. If Mint isn’t available in your region, you can still apply the method using any reputable tracker or a simple spreadsheet — the method matters more than the app.
11) Cashflow optimization + spreadsheet
This is the practical “tie it all together” lesson: organize expenses, identify leaks, and build a monthly system. The course includes a Cashflow Optimizer Spreadsheet as part of the process.
Why this approach works when budgeting fails
A lot of people don’t fail because they’re “bad with money.” They fail because the system they’re trying to use is too rigid. Cashflow Secrets emphasizes tracking and optimization instead of deprivation. That’s a key psychological win: you’re not punished — you’re informed.
Clarity
You stop guessing where money went and start seeing patterns.
Control
You decide what to keep, what to cut, and what to restructure.
Momentum
Small cashflow wins stack and fund bigger moves (debt, investing, freedom).
Who created it?
The course is presented by Chris Miles from Money Ripples. The official page notes he has been featured on outlets like US News, CNN Money, and Bankrate, and shares his personal story of rebuilding after the 2008 recession. (Always do your own due diligence and choose strategies appropriate to your situation.)
Practical takeaways you can apply this week
- Track everything for 7 days (no judgment). Your goal is visibility.
- Find 3 “money leaks” you can reduce without pain (subscriptions, fees, waste).
- Shop one fixed expense (insurance, phone plan, internet) for a better deal.
- List 10 unused items you can sell to create immediate breathing room.
- Create a simple monthly cashflow plan using categories that match reality.
These are educational ideas and not financial advice. Adapt to your income, country, and responsibilities.
Ready to stop guessing and start keeping more cashflow?
If you want a structured system to track money, optimize expenses, and build a cashflow-first foundation before you invest, Cashflow Secrets is a solid starting point.
FAQ
How much does Cashflow Secrets cost?
The official course page lists the price as $97.
Is there a refund policy?
Yes. The official page states you may request a refund within 60 days of purchase.
Do I need to start a side hustle or business?
The course is positioned as a way to unlock cashflow in your current situation without needing to create a new job, business, or side hustle.
Is this course only about budgeting?
No. The framework emphasizes tracking and optimizing cashflow rather than extreme budgeting and deprivation.
What will I actually learn?
The official outline includes mindset, tracking spending, selling unused assets, insurance and tax savings, debt strategy, passive vs active income, an intro to infinite banking, and cashflow optimization with a spreadsheet.
