The ‘Anti’ Advisor: Why Everything You Know About Saving is Wrong

Most of us grew up on the same tidy rules about money. Save faithfully, leave it untouched and trust that the distant future will reward our patience. In this episode of Money Hacks, a podcast series by The Business Times, host Howie Lim speaks with Chris Miles, the “anti financial advisor” who believes this familiar script leaves far too many people stressed today and no better protected tomorrow.

Miles’ own turning point came from watching his father, a model saver with no debt, discover that he still could not afford to retire when his health was failing. That experience pushed Miles to question why mainstream advice sidelines cashflow, locks savings away for decades and treats day-to-day financial strain as an acceptable trade-off. His focus now is on helping people build stability they can actually feel in the present, not just in an imagined future.

Why listen

Retirement habits re-examined
Why doing everything right can still leave you short when life intervenes.

Value over capital
Practical ways to earn more by offering skills and solutions people genuinely need.

Cashflow-first debt fixes
A simple method that reduces stress faster than chasing the highest interest rate.

Investing with real anchors
Why Miles prefers business and property-backed income to market volatility.

Across their conversation, Miles explains why value creation often matters more than capital, why debt repayment should be driven by cashflow rather than interest rates and why he prefers income tied to real assets over the stock market’s familiar swings.

He is blunt, human and occasionally disarming, and his arguments give listeners a chance to rethink financial habits many of us follow by default. Listen now.

The ‘Anti’ Advisor: Why Everything You Know About Saving is Wrong

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