Idaho's Money Show

This week's Money Hour dives into one of the most volatile stretches the market has seen in months — and why investors are reacting the way they are. Brian welcomes Richard Davila of Profitscore Capital Management to break down the real drivers behind the market sell-off: stalled Fed rate cuts, a crypto crash shaking retail investors, shaky labor data, and sky-high expectations for Nvidia's upcoming earnings. From there, the conversation shifts to what volatility actually signals, how ProfitScore uses "volatility regimes," and why the current neutral regime makes investing especially confusing for DIY investors. Brian and Rich also dig into the emotional side of investing — why behavior, sentiment, and over-concentration are hurting more portfolios than bad stock picks. They walk listeners through long-term strategy, diversification, and how to avoid chasing AI or crypto without a plan. The second half of the show widens the lens: the economic pressure on Idaho families, cost-of-living concerns, wage stagnation, health-care subsidy worries, and why newcomers with cash are reshaping Idaho's housing reality. Plus, they unpack the boom in AI, robotics, nuclear innovation, and quantum computing — including why the next decade will determine who leads the global economy and what investors can realistically expect.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley Guest: Richard Davila, CTA | Profitscore Capital Management

This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won't lend, and what alternative paths may still be available. From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

You've heard the controversial new idea making headlines — the 50-year mortgage. What started as a proposal from national homebuilders sparks a bigger conversation: Are we solving housing affordability, or just stretching debt for another generation? Brian breaks down how amortization works, why stretching payments can look appealing but cost hundreds of thousands more in interest, and how it impacts the broader economy. He also shares personal stories about real estate mistakes, mortgage decisions, and how inflation and rising rates are reshaping homeownership for Millennials and Gen Z. Listeners call in with their own real-life experiences — from first-time homebuyers juggling tight budgets to the emotional payoff of finally owning a place you can call your own. Along the way, Brian explains the math behind mortgage length, how income growth changes affordability over time, and why some debts may not be as "bad" as you think.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley  

This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts. They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits. Callers share real-world dilemmas: a 64-year-old in cybersecurity weighing when to claim; a woman in California discovering a secret credit card in a community property state; and a couple debating whether to sell or rent a second home and how to avoid capital gains taxes using the Section 121 exclusion. The unstoppable duo wrap with tips on finding unclaimed 401(k)s, old accounts, and missing funds, plus why year-end is the perfect time to revisit tax strategies and portfolio moves.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Pay taxes now or later? It's one of the biggest decisions in retirement planning and the Roth conversion strategy sits at the center of it. We break down how Roth conversions work, why timing is critical, and how they can transform your retirement strategy. They explain how to move pre-tax dollars into a Roth account, what the short-term tax hit really means, and how to avoid common pitfalls such as triggering Medicare surcharges or penalties under the five-year rule. We also touch on how to use Roth conversions strategically for long-term tax savings, including how they help protect surviving spouses from higher tax brackets and reduce required minimum distributions later in life. Understand how Roth conversions can turn your biggest liability—taxes—into your greatest long-term advantage!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Brian Wiley takes on one of the most frustrating issues facing Americans today — the ongoing government shutdown — and what it reveals about our collective financial vulnerability. With nearly two-thirds of Americans living paycheck to paycheck, Brian explores how even a short-term disruption in income can send households into crisis mode. Through candid listener calls, including a 29-year-old air traffic controller working without pay and a retired veteran frustrated with misuse of social benefits, the show dives into the human side of financial resilience. Brian connects it all back to planning, explaining the BetterBuckets™ strategy for building liquidity, stability, and long-term growth. He also explains why having at least three years of cash reserves can turn chaos into confidence! Plus, Brian discussed more on the rise of AI and job security risks, offering practical steps to stay financially adaptable no matter what comes next.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————    

Alternative investments have become a buzzword—but are they really the secret weapon of the ultra-wealthy, or just another tool in a diversified portfolio? In this podcast, Jeremiah and Nic unpack what "alternatives" actually mean—from private equity and private credit to other non-public market opportunities. They explain who qualifies as an accredited investor under Regulation D, what the income and net worth thresholds are, and why not everyone needs to chase these investments right away. They break down the trade-offs: potential for higher returns and less daily market volatility—but also illiquidity, limited transparency, and the need for careful due diligence. Learn how alternative investments work, who they're for, and how they can (or can't) fit into your financial plan!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Jeremiah Bates and Alex Lundgren team up with Steve Marsh from Medical Plans of Idaho to unpack a huge issue looming over millions of Americans — the potential expiration of enhanced premium tax credits under the American Rescue Act. With these provisions set to sunset after 2025, many could see premiums spike by 75–80% going into 2026! They explain what the "400% federal poverty level" threshold means for your wallet, who's most at risk, and what you can do now to prepare. The discussion dives into both individual health plans and Medicare, including the major changes to Advantage plans in Idaho — from disappearing zero-premium options to how retirees can use this year's guaranteed issue window to upgrade coverage. The hosts also share proactive tax and income planning strategies — from HSA contributions and 401(k) deductions to managing self-employment income — that could make or break your eligibility for crucial tax credits.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alexandra Lundgren

Brian and Jeremiah pull back the curtain on what's really driving the markets—and investors themselves. From the emotional highs of stock speculation to the discipline required for sound planning, they explore why behavior often matters more than economic headlines. The guys unpack how market optimism and consumer frustration can coexist, what it means when valuations outpace fundamentals, and why following "the herd" can lead to regret. They also dive into practical, real-world planning topics: a listener's question about COBRA vs. ACA health insurance, LLC deductions, and tax-smart strategies for the self-employed. Finally, they tackle risk from a new angle—how to see it not as something to fear, but as something to understand and manage. It's a blend of market analysis, financial insight, and straight talk about the psychology behind money decisions.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The economy might feel uncertain, but according to JPMorgan's Chief Global Strategist Dr. David Kelly, there's more stability and opportunity than the headlines suggest. In this exclusive, uncut interview with The Real Money Pros, Dr. David Kelly joins Brian Wiley and Jeremiah Bates to unpack the big picture: from AI's real economic impact to the sustainability of market highs, Federal Reserve independence, and what investors should be watching next. He discusses the growing gap between perception and reality, the rise of bubbles in U.S. equities, and why international diversification might be the smartest move going forward. The conversation spans the future of technology, cryptocurrency skepticism, gold's misunderstood value, and how robotics and biotech could transform productivity. But it's not all numbers—Dr. Kelly also tackles how media polarization and political volatility shape investor psychology more than data ever could.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Guest: Dr. David Kelly Chief Global Strategist, J.P. Morgan Asset Management Hosts: Brian Wiley & Jeremiah Bates Hosts, Wealth Management Advisors

Brian dives into an unexpected connection between global trade, the cattle industry, and personal finance. With news of the U.S. considering deals to import Argentinian beef, Brian explores how capitalism, protectionism, and politics shape the prices we pay at the grocery store, and ultimately what that means for American ranchers and consumers alike. Also, how economic shifts ripple through your household budget, why government shutdowns and furloughs are wake-up calls for financial preparedness, and how to build resilience through smart, behavior-based money decisions. Drawing from 25 years of experience helping clients weather every market cycle, he shares timeless lessons on staying disciplined through uncertainty, keeping emotion out of investing, and protecting your financial “herd” when times get lean.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

In this very special episode, we have a powerful conversation with Dr. David Kelly, Chief Global Strategist at JP Morgan Asset Management, to unpack some of the biggest forces shaping today's markets. From artificial intelligence and robotics to interest rates, government debt, and investor behavior, Dr. Kelly explains where he sees opportunity—and where caution is warranted! The discussion covers how rapid technological advances could drive productivity growth and transform the workforce, why Federal Reserve independence remains crucial, and how rising U.S. debt and political volatility affect investor confidence. All of them take on portfolio diversification, international markets, and how long-term strategy can keep investors steady through cycles of fear and excitement.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates Guest: Dr. David Kelly, Chief Global Strategist J.P. Morgan Asset Management ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This week on The Money Hour, Brian Wiley uses a clever metaphor — musical chairs — to describe today's high-anxiety markets. With stocks soaring and Micron hitting near-record highs, investors are sliding around nervously, waiting for the music to stop. Brian digs into how emotions like greed and fear can dictate our financial behavior, from cashing out 401(k)s for new toys to missing chances for growth out of hesitation. He also tackles bigger themes: tariffs, nationalism, and how politics, trade wars, and human behavior all intertwine in this volatile financial climate.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week, Brian and Jeremiah unpack one of the biggest forces shaping today's markets—fear. They talk about how investor emotions can cloud judgment, why so many people are sitting in cash despite record market highs, and what “waiting for the right time” actually costs over years or even decades. They also dig into the Fed's latest comments, interest rate expectations, and how inflation psychology keeps consumers—and investors—on edge. Plus, listener stories about retirement regret and post-pandemic investing lessons prove one thing: discipline beats drama every time.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This week, Brian Wiley breaks down the skyrocketing cost of beef and grocery inflation—and what it means for your wallet. From $6+ per pound for ground beef to $9 steaks, Brian talks practical tips for saving money, like grinding your own meat or shopping store specials. He also dives into the bigger picture: how supply shortages, post-COVID herd recovery, and trade impact prices, and how your spending choices actually shape the market. Plus, listeners share their strategies for coping with rising costs. If you've been feeling the pinch at the grocery store, this episode is packed with real-world advice, economic insights, and a reminder that your wallet is your vote.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

On this episode, we draw surprising parallels between woodworking mishaps and managing your 401(k)—showing how even tiny mistakes can turn into big problems over time. We dive into the hidden impact of investment fees, the importance of planning for risk versus reward, and how small tweaks in fund selection can make a massive difference for your retirement. The conversation goes into the evolving value of homeownership in today's economy, exploring whether renting might make more sense for some families. A live caller joins to ask about leveraging equity in a fourplex, sparking a deep discussion about refinancing, HELOCs, self-directed IRAs, and building long-term rental income. In the second hour, we also tackle financial fraud and scams targeting everyday investors (and seniors) and share cautionary tales about self-directed IRAs, gold schemes, and annuity traps.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Over the weekend, Jeremiah and Brian go into the realities of America's rising debt and why politics alone won't fix the problem. The hosts challenge common assumptions about government spending, inflation, and taxation—breaking down how these big-picture issues actually trickle down to everyday households. Instead of waiting on Washington, they focus on what individuals can do now: understanding the real impact of debt, how taxes may shift depending on policy changes, and why relying solely on campaign promises is a dangerous financial strategy. Plus, Their conversation also explores investing in uncertain times, from opportunities in technology and AI to evaluating where future growth could come if the U.S. reduces its reliance on foreign goods.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

457 plans may look like 401(k)s, but they come with powerful benefits—and costly pitfalls if misunderstood. Jeremiah Bates and Alex Lundgren explain how to maximize contributions, avoid penalties, and use 457s to unlock early retirement strategies. Plus, not all 457s are built the same... Work for a non-profit? These are the things you MUST know.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren  

This week, Brian and Jeremiah tackle some of the toughest money choices listeners face. Should you use an inheritance to pay off a low-interest mortgage or invest for growth? Is gold really the “safe haven” people believe it to be or just another speculative bet? And how do you plan ahead for long-term care costs without draining your family's savings? Real-world calls drive the conversation, with questions about paying down debt, structuring investments, and balancing family responsibilities. The guys break down the math and the mindset, showing why the “obvious” answer isn't always the best financial move. Plus, they also zoom out to cover big-picture topics: the role of insurance in retirement, why cash alone isn't a strategy, and how to think about risk when the markets feel uncertain.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The largest wealth transfer in history is happening right now, as baby boomers pass on trillions of dollars in retirement assets. But if you inherit an IRA, the rules aren't as simple as many think, with recent legislation making them even more complex. The team explains the new landscape of inherited IRAs under the Secure Act 1.0 and 2.0. They cover the differences between spouse and non-spouse inheritance, how the 10-year withdrawal rule works, and the major tax consequences you need to prepare for. From required minimum distributions (RMDs) to special exceptions for minors, disabled individuals, and trusts, we show what beneficiaries must know to avoid costly mistakes. Plus, Jeremiah and Nic share planning strategies to reduce the tax hit, like coordinating withdrawals with your income or leveraging Roth accounts for long-term growth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

This week on Newstalk KBOI, Brian takes a step back to look at how the way we shop, spend, and invest has completely transformed—from Sears catalogs to Amazon's overnight delivery. But convenience comes with new challenges: tariffs on small packages, global supply chain shifts, and questions about whether “buying American” is realistic in today's economy. Brian also digs into the big-picture investing takeaways. What industries will benefit from reshoring manufacturing? Will AI make some jobs (and workers) obsolete—and what does that mean for investors? And when it comes to gold, is it really a currency, a collectible, or just a heavily-taxed gamble? Plus, Brian wraps it all up with our team's approach to the “bucket strategy,” showing how a disciplined approach could even rescue Social Security—and why the hardest part is simply getting started.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week, Brian and Jeremiah draw a line straight from the California Gold Rush to today's Wall Street. Why? Because the way people chase wealth really hasn't changed. From miners risking it all for a nugget of gold to investors jumping on the latest market trend, the patterns of greed, fear, and opportunity repeat over and over. The guys break down what history can teach us about investing today: why discipline outlasts hype, how to balance risk and reward, and how to avoid letting emotion wreck your financial plan. They also touch on the bigger picture—like what “wealth” really means and why legacy and values matter just as much as returns.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

If you're self-employed or running a small business, saving for retirement doesn't have to be complicated. One of the most powerful but often overlooked tools available is the SEP IRA—a plan designed to help business owners put away significantly more than a traditional IRA, while also providing tax benefits. Jeremiah and Nic walk through the ins and outs of SEP IRAs. You'll learn how they work, who qualifies, and why flexibility makes them a great option for many entrepreneurs. From contribution rules (up to 25% of wages, capped at $69,000) to employee eligibility requirements, they break down what business owners need to know—whether you're trying to reduce taxable income, reward loyal employees, or simply build your own retirement nest egg. You'll also hear why SEP IRAs can be easier to manage than a 401(k) and how employees benefit from immediate vesting and full control over their investments. Is a SEP right for you?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Artificial intelligence is moving faster than most people realize, and it's about to change everything from jobs to investing. Over Labor Day weekend, Brian Wiley and Jeremiah Bates open up the topic of the AI revolution and ask the big question: is this the next great wealth-building opportunity, or another dot-com style bubble? From massive data centers and trillion-dollar tech investments to the risk of widespread job disruption, the hosts break down what AI means for markets, the economy, and everyday investors. They highlight how companies like Nvidia, Microsoft, and Meta are positioning themselves, and how government policies could shape the outcome. Most importantly, they explain how the bucket strategy can help you stay protected if the hype collapses, while still giving you a chance to benefit if AI drives the next major boom. Do you want to be left behind?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Annuities are one of the most heavily marketed financial products—and often one of the most misunderstood. They promise growth without loss, guaranteed income, and peace of mind. But behind the sales pitch lies high commissions, long surrender periods, and frustrating caps on growth. In this podcast, Jeremiah and Nic pull back the curtain on annuities and introduce a compelling alternative: structured notes. These innovative investments offer downside protection, defined outcomes, and the potential for enhanced upside—all without the commission-heavy baggage that comes with most annuities. You'll learn: The hidden costs and pitfalls of annuities. How structured notes provide flexibility and clarity. What “soft protection” really means for your portfolio. Why defined outcome investing may align better with your long-term goals.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

This Money Monday, Brian goes into one of the biggest economic and controversial question today: Should the U.S. government invest billions into Intel to keep semiconductor innovation and manufacturing on American soil?  Drawing parallels to the auto bailouts of 2009 and other government rescues, Brian unpacks the risks of “socializing” industries, the potential dilution of Intel shares, and the broader implications for investors, taxpayers, and global competition. From China's aggressive tech strategies to the exploding demand for AI and quantum computing, the conversation asks whether a government stake in Intel is a smart safeguard—or a dangerous precedent. Is this a necessary move to secure America's technological edge, or another slippery slope where taxpayers foot the bill for failing companies?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week on The Real Money Pros, Brian and Jeremiah take on some of the hottest )and trickiest) money questions hitting households today. They unpack the pros and cons of investing in gold, the reality of inflation's impact on retirement, and why “gig work” is changing how people save for the future. Listener questions bring the conversation to life, covering everything from the risk of holding too much cash, to how small business owners can build wealth without losing tax efficiency. The guys also highlight common traps investors fall into when chasing safety, and why long-term planning still beats short-term reactions—even in unpredictable markets.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Artificial intelligence isn't just a buzzword anymore. It's driving market highs, reshaping industries, and sparking debate about whether it's a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace. The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates & Nic Daniels

This week, Brian and Jeremiah break down three issues that are hitting Americans the hardest right now: inflation, housing, and the future of money. They talk through why prices keep climbing, how higher rates are shaping the housing market, and what it all means for families trying to balance today's costs with long-term planning. The conversation then shifts to stablecoins and new legislation in Congress that could bring digital dollar-backed assets into the mainstream—changing how we bank, invest, and even make everyday payments. Plus, listener questions spark discussions on retirement withdrawals, whether holding too much cash is really a smart move, and how to sidestep the emotional traps that can derail a portfolio.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/  

Starting in 2026, a brand-new type of tax-free savings account nicknamed the “Trump Account” will be available for minors. If you're a parent, grandparent, or even a business owner looking to give the next generation a serious head start, you'll want to take advantage of it. Jeremiah and Nic explain how these accounts work, who qualifies, and the unique benefits that set them apart from existing savings tools. From a $1,000 government-funded seed contribution for certain newborns, to employer match opportunities, to decades of tax-deferred growth, these accounts could become a cornerstone of a child's long-term wealth plan. What's Inside: Who can open a Trump Account and when Annual contribution limits and tax perks What investments are allowed and why simplicity is key The rules for withdrawals and qualified uses How these accounts fit alongside 529s and Roth IRAs   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Inflation is hitting hard, prices are climbing, and yet many workers haven't seen a pay raise in years... Brian digs into why pay increases aren't keeping up – and what you can do about it. From union vs. non-union wages to the art of asking for a raise (with proof you deserve it), he explores the trade-offs between job security and higher pay. Plus, real stories, including one caller's take on union negotiations and Brian's personal leap from employee to entrepreneur after being denied a raise. The conversation goes deeper, connecting workplace value to larger economic forces like tariffs, automation, and the rise of AI and robotics – and why staying relevant is your best defense against being replaced   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week, we break down what the Fed's latest rate pause really means and why the market's reaction isn't always the full story. They dig into the ripple effects on mortgages, credit card rates, and borrowing costs, and talk about how “higher for longer” might stick around when it comes to interest rates. The guys also tackle listener questions on everything from annuity pros and cons to the best time to start Social Security. Plus, they share why cash can be a dangerous long-term strategy, how to use volatility to your advantage, and why market pullbacks aren't always bad news. Whether you're worried about inflation eating your savings, wondering how to invest in a weird market, or just trying to make sense of mixed economic signals, this episode is one to tune into.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Your 529 plan just got a serious upgrade—and if you're a parent, grandparent, homeschooler, or working professional, you'll want to hear this. Nic and Alex join forces again today to go through some new rules for 529 plans following the passage of the One Big Beautiful Bill. Starting as soon as July 2025, the list of what counts as a “qualified education expense” is expanding dramatically. That means more flexibility and better use of your tax-advantaged dollars! Highlighted Changes to 529s: Expanded coverage for K–12 expenses beyond just tuition A new $20,000 annual withdrawal limit starting in 2026 What this means for homeschoolers, dual enrollment, and standardized testing How professionals (yes, even CPAs and realtors) can now use 529 funds for career development   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels & Alex Lundgren

Brian Wiley tackles the root causes of inflation (and no, it's not just tariffs) and discusses how stimulus programs, economic cycles, and behavioral investing shape our financial reality. He challenges conventional narratives, critiques misleading government data, and gives a fresh perspective on how inflation, interest rates, and political noise affect your bottom line. He explains how to read the markets, spot opportunity during chaos, and take control of your financial future—even when the numbers don't make sense.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This weekend, Brian and Jeremiah go into the realm of estate planning, focusing on the misunderstood but crucial tool: the revocable living trust. They answer listener questions from California to Florida, explaining step-ups in basis, trust-based ownership, and how titling mistakes can send your estate straight into probate. The real-world implications of leaving property outside of a trust, the legal difference between revocable and irrevocable trusts, and why funding your trust matters just as much as setting it up. They also address common misconceptions, like whether trusts protect assets from lawsuits or divorce—and offer guidance on avoiding costly oversights. Estate planning isn't just for the wealthy—it's for anyone who wants their legacy to pass smoothly and privately to the next generation. If you've ever thought about leaving property to your kids, this conversation will change how you plan for the future.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Big changes are coming to the student loan system—and if you or your kids plan to attend college soon, you need to know what's inside the One Big Beautiful Bill. In this week's podcast, Nic and Alex break down the sweeping new legislation that overhauls how federal student loans work starting July 1, 2026. From newly capped borrowing limits to stricter repayment plans, these reforms are designed to curb runaway college costs—but could leave some families scrambling to fill financial gaps. They walk through: New limits on Parent PLUS and graduate loans What counts—and doesn't count—toward eligible loan expenses The end of $0 minimum payments for low-income borrowers Why filing taxes separately may no longer help reduce payments Will these changes force students and parents to reassess how education fits into their long-term career decisions?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels & Alex Lundgren

In this week's episode of The Money Hour on Newstalk KBOI, Brian talks about the biggest financial stressors Americans face—housing costs. How much of your income should go toward your mortgage or rent? Are you "house poor" and don't even know it? He breaks down the real numbers behind PITI (Principal, Interest, Taxes, Insurance), lending standards, and how federal programs play into affordability. He also shares insights from listener calls, including one homeowner living mortgage-free for decades and another struggling to balance quality of life with rising costs. Plus, Brian gets personal—sharing why he chose to build a home from scratch and how his construction journey parallels building financial security.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week, Brian and Jeremiah dig into one of the biggest mistakes they see from investors—sitting in too much cash out of fear. They talk through why holding back might feel safe but often leads to regret, missed opportunities, and slower retirement progress. They also break down today's weird market conditions: strong indexes, mixed economic data, and why consumer confidence still feels shaky despite record highs. Plus, they take on common listener questions—like how to deal with rising insurance premiums, whether real estate still makes sense, and how to stop overthinking every market dip. They also take listener calls and dive into real-world planning questions: • Should you wait to invest until after the election? • When do Roth conversions make sense? • How should real estate affect your tax plan in retirement? • Are annuities a good idea for monthly income—or a trap?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Most people don't think about hiring a financial advisor—until something bad happens. This week, Jeremiah is joined by Alex Lundgren for an honest conversation about what it really means to have a trusted advisor in your corner, especially during one of life's most difficult events: the loss of a loved one. They break down why human advice matters when you're faced with grief, paperwork, taxes, and major financial decisions you didn't see coming. From understanding beneficiary options and managing IRAs, to coordinating with attorneys and custodians—this isn't the kind of support you'll find from a call center or robo-advisor... Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren

Brian takes a deep dive into the future of money—especially stablecoins and how they might flip the whole payment system on its head. He breaks it down in plain English: what stablecoins are, how they could replace Visa and Mastercard, and why it actually matters to you. He also talks crypto in 401(k)s (yep, that's happening), how companies like NVIDIA and Micron are powering the tech behind the scenes, and why Bitcoin isn't just for “those people” anymore. Whether you're still skeptical or already all-in, Brian gives you the tools to start thinking about digital assets with a clear head—and maybe even some strategy. The government is started to take part, should you?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

Brian and Jeremiah cover what everyone's thinking: Why does the market feel fine if the public doesn't? They unpack the disconnect between bullish investors and frustrated consumers, and what the Fed's “higher for longer” stance really means for housing, inflation, and your portfolio. They also dive into a huge shift coming to our financial system—stablecoins. As Congress pushes new legislation to bring these digital dollar-backed assets into the mainstream, Brian and Jeremiah explain what it means for investors, the banking industry, and anyone tired of waiting 3 days for an ACH transfer. Other highlights this week: how regret can wreck a retirement plan, why cash isn't a long-term strategy, and how to avoid emotional investing traps that burned people during COVID-era markets.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

That surprise notice from your IRA custodian? It might be about something called UBIT—and if you've got limited partnerships or master limited partnerships in your IRA, you'll want to pay attention. This week, Jeremiah and Nic explain what Unrelated Business Income Tax (UBIT) is, how it gets triggered inside your IRA, and what it means for your bottom line. They break down how UBIT is calculated, what types of investments commonly set it off, and whether or not you should be concerned if you've received a Form 990-T notice. Is UBIT a reason to dump those high-yield investments in your retirement account? Not necessarily—but you do need to understand when the IRS comes calling and why.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

On last night's tech-charged show, Brian took listeners on a ride through the future of money, jobs, and investing. From the rise of AI and quantum computing to the real mechanics behind crypto, he breaks down why traditional thinking (and traditional portfolios) might not cut it much longer. He shares how learning more about emerging tech helped shift his own mindset from skepticism to strategy. Brian talks about why education is the antidote to fear, and how investors can avoid being left behind as innovation keeps picking up speed. He also unpacks how Bitcoin gets its value, how AI could reshape entire industries (including his own), why companies like NVIDIA are suddenly worth over $4 trillion, and how to position yourself to take advantage of all of it.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

In this special episode of The Real Money Pros, Brian and Jeremiah are joined by Idaho Congressman Russ Fulcher to talk through one of the biggest pieces of legislation in years: the $4.5 trillion “Big Beautiful Bill.” Fulcher shares the story behind his popular addition—no federal tax on overtime pay—and how it could boost take-home income for millions of hourly workers. The crew also tackles where this bill fits into the larger economic picture, from growing federal debt to tariffs and trade resets with China, Mexico, and the EU. Later in the show, Brian and Jeremiah get personal with calls from listeners asking about the bill's impact on Social Security taxes, the future of crypto like XRP, and how to protect their families through estate planning and life insurance.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros

Today, Brian dives into the passage of the “Big Beautiful Bill”—a $4.5 trillion piece of legislation that's sparking debate across party lines. While the headlines tout tax cuts and local wins (yes, even Idaho got a little pork), Brian takes a closer look at what this bill really means for taxpayers, investors, and the long-term debt picture. He breaks down permanent tax changes that may benefit small business owners, retirees on Social Security, and working families—but he also challenges listeners to ask: at what cost? From inflation's sneaky role in boosting tax receipts to how our complicated tax code rewards those with the right advisors, this episode blends financial insight with political reality. Plus, Brian gets real about why tax avoidance (not evasion!) is your legal right—and why many households could save thousands with smarter planning. And yes, we touch on third parties, healthcare costs, and why a Krispy Kreme job may pay more than you'd think. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

This week on The Real Money Pros, Brian and Jeremiah dive into the real (and wild) consequences of owning gold the wrong way—like when a client's self-directed IRA got caught up in a precious metals scam, leaving them with pennies on the dollar and a massive headache. From there, we unpack some crazy estate stories (think: gold in storage units, rifles hidden in floor vents, and a map-worthy backyard treasure hunt) that show why how you own something is just as important as what it is. And yes—Jeremiah shares his own run-in with the law in Hawaii involving drone fishing, a court date, and one very expensive lesson about checking the rules.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Net Unrealized Appreciation: If you own company stock in your 401(k), this episode could potentially save you thousands in taxes. Jeremiah and Nic uncover the little-known but incredibly powerful NUA tax strategy. Through a real-world client example, you'll learn how someone turned a $16,000 stock cost basis into a $98,000 gain—and avoided paying ordinary income tax on the entire amount. But this isn't just a story of smart tax planning—it's a roadmap for anyone nearing retirement with company stock in their 401(k). From tracking your cost basis to understanding when NUA makes sense (and when it doesn't), the guys give you the knowledge you need to ask the right questions and avoid costly mistakes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

After an unstable week, Brian unpacks this last weekend's geopolitical drama with Iran and its ripple effects across global markets. While the headlines scream war, oil prices, and defense stocks, he zooms in on a more powerful long-term message: boring investing still wins. He uses a real-life client story—going from $50K to over $1 million in 10 years—to illustrate how time, discipline, and sticking to a strategy can outlast even the most chaotic news cycles. From the rise of GE Aerospace to the pitfalls of chasing hype, Brian shows how purposeful, time-based investing isn't just safe—it's smart. He also dives into how current events create both fear and opportunity, why aerospace and U.S. energy might be long-term winners, and why Elon Musk's vision still matters to investors...   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

In this tech-centered episode, Brian and Jeremiah explore the game-changing legislation pushing stablecoins into the financial mainstream. They break down what stablecoins really are, how they differ from volatile cryptos like Bitcoin, and why this move could disrupt legacy payment giants like Visa, Mastercard, and Western Union. From the impact on small business transaction costs to how this shift could eventually remove paper money from circulation, the guys dive deep into how blockchain technology might reshape personal banking, investing, and even how you pay your taxes. They also explore the potential investment angles—highlighting which companies might sink, and which ones could surge as adoption grows.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

Think you're earning 5% on your savings? Not so fast. In the first rendition of the renewed podcast series, Jeremiah and Nic uncover the truth behind annual percentage yield (APY)—what it is, how it's calculated, and why it often misleads savers. From CD rates to high-yield savings accounts and dividend stocks, they break down the difference between annual percentage rate (APR) and APY, explain how monthly compounding works, and highlight the pitfalls of relying on introductory bank offers. But this episode goes deeper than just math. The duo challenges listeners to ask the right questions: Is this rate in my best interest—or someone else's? Is short-term security worth sacrificing long-term growth?   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Brian takes listeners deep into the heart of Washington's latest fiscal chaos. With a $5 trillion proposed increase to the national debt ceiling and heated debate over lowering the SALT deduction cap from $40,000 to $10,000, Brian calls out the partisan maneuvering and asks the real question: is any of this actually conservative? From a live look at the U.S. debt clock to a breakdown of how tariffs, tax credits, and backdoor tax hikes affect everyday Americans, this episode is part financial analysis, part political reality check. Brian explains how deficit spending, political gamesmanship, and misguided tax policy hit taxpayers from every angle—especially those nearing retirement or trying to build wealth in uncertain markets. He also shares where he sees real investment opportunity right now and why this may be the best market of his 25-year career—for those who know how to read it.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley