This Money Monday, Brian covers a wide range of topics—blending market analysis, tax insights, and small business advice with listener-driven conversations about the real economic pressure points showing up now.

He kicks off the hour with commentary on Elon Musk's Mars obsession, the latest tariff developments, and how political leadership—regardless of party—continues to shape investor sentiment and consumer costs. He questions whether Americans are being fully informed about the impact of policy shifts, especially when it comes to trade, the IRS, and the broader retirement system.

A strong segment focuses on the IRS quietly keeping overpayments after a three-year window, and Brian’s push for systemic change—including a bipartisan proposal he’s drafted to reform Social Security and tax administration.

Listener calls add practical insight: a new real estate photographer navigating 1099 taxes and business structure, and a grandfather funding a trust for his grandson while watching tariff policy threaten his ski gear business.

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https://www.therealmoneypros.com

Host:

Brian Wiley

Everything from market volatility and investor behavior to life insurance gaps and why simple planning still wins… Jeremiah and Nic unpack the latest tariff developments—what’s real, what’s politics, and how uncertainty is shaking Wall Street—and explain why emotional reactions to short-term headlines often lead to long-term regret.

Jeremiah shares stories from client meetings, including a couple sitting on too much cash for too long, illustrating the cost of inaction and paralysis by analysis. The team stresses the importance of knowing your investment timeline and purpose—especially when volatility strikes. A key stat? The S&P 500 has rallied over 18% since April 8th—proof that missing just a few big days can wreck your long-term returns.

They also discuss the AI-driven surge in NVIDIA, with caller insights and reminders about avoiding concentration risk. Plus, practical talk on Roth vs. traditional accounts, 401(k) withdrawal rules, and why index funds often outperform stock picking.

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https://www.therealmoneypros.com

Hosts:

Jeremiah Bates & Nic Daniels

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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

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Over the Memorial Day weekend, Brian Wiley and Alexandra Lundgren unpack the often misunderstood mechanics and risks of 401(k) plans—from overloading on company stock to the overlooked tax strategy known as Net Unrealized Appreciation (NUA). If your retirement plan is tied to your employer’s stock, your paycheck, and maybe even a pension, you may be overexposed without realizing it…

They walk listeners through how NUA works and when it might be smarter to move company stock out of a 401(k) instead of rolling it all into an IRA. Brian and Alex also dive into loan provisions, early withdrawals, and the in-service distribution option that can open the door to greater investment flexibility—if your plan allows it.

They also break down why 401(k) plans are designed the way they are, what employers can customize, and how plan features like automatic enrollment, vesting schedules, and Roth catch-ups impact savers at different stages of life.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley & Alex Lundgren

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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

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This week on KBOI, Brian digs into the economic and behavioral ripple effects of tariffs, asking the central question: who really pays? Using the latest Walmart price controversy as the backdrop, Brian challenges the political narratives suggesting tariffs are absorbed by foreign governments, when in reality, it’s American consumers, employees, and businesses footing the bill.

He blends real financial insight with personal stories—like his own tariff-snagged motorcycle order—and ties in a powerful call from Joe, a Walmart employee and Trump supporter, who supports the trade policy but wants honest leadership and transparency. It’s a thoughtful, unfiltered discussion about how economic policy affects real people, and why ignoring the cost or blaming others is a dangerous game.

What’s the actual plan behind the tariffs? Why aren’t leaders explaining the pain before asking for sacrifice? Brian draws sharp historical parallels—from World War II speeches to modern economic battles—to ask why today’s Americans are being kept in the dark.

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https://www.therealmoneypros.com

Host:

Brian Wiley

Brian, Alex, and our callers dig into one of the most overlooked but urgent problems in personal finance: our retirement system is broken—and most people don’t even realize it.

The conversation opens with an honest critique of the current mess of savings vehicles: 401(k)s, SIMPLEs, SEPs, IRAs, Roths—all with different rules, limits, and levels of access. The hosts explain why these inconsistencies create a fundamental inequality: if you're self-employed, you can stash away $70K pre-tax, but if you're a W-2 employee? You're capped at less than half that. It’s a system built with good intentions that’s now a patchwork of inefficiency, confusion, and lopsided opportunity.

The episode features a practical case study from a young entrepreneur trying to offer retirement benefits to a small team with limited resources. Alex breaks down the real math behind startup retirement plans and offers realistic paths forward. They also take a call from a college student who saved $10K and wants to invest it wisely—an unexpected reminder that real financial planning starts early, and opportunity favors the intentional.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley & Alex Lundgren

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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

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This last Saturday, Brian Wiley and Jeremiah Bates dug deep into the real-world impact of tariff policy, investor behavior, and why emotional risk tolerance matters as much as the numbers. The market feels chaotic—but as the guys explain, it's not just the economy reacting—it's the people. And like a game of musical chairs, the longer the music plays, the more irrational the behavior becomes!

We open up with sharp commentary on market overreactions tied to tariffs and trade drama. From there, it zooms in on the behavioral side of investing: fear, confirmation bias, and the mental loops that drive emotional decisions. Brian and Jeremiah explain why many investors—especially retirees—feel stuck and how a simple framework like the "bucket strategy" can bring clarity.

There’s also discussion around overexposure to stocks like Nvidia or Tesla, and why it’s easy to get caught chasing performance when a clear plan is missing. Real listener calls—like a business owner seeing reshoring effects from tariffs—round out the conversation with timely, ground-level perspective.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley & Jeremiah Bates

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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

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The trio gang (Brian, Jeremiah, and Nic) goes into the real economic impact of tariffs, rising uncertainty, and how financial planning needs to adapt to both market volatility and emotional behavior. As headlines swirl about the administration’s evolving trade strategy, the guys challenge listeners to examine their own “fortitude” for this economic shift—and whether they’re reacting emotionally or strategically.

Jeremiah emphasizes that personal impact matters more than GDP headlines, reminding listeners that preparation and liquidity are key to managing any downturn. Nic draws from his personal experiences to explain how unease around money often stems from deeper concerns—goals, family, and long-term plans—not just market performance.

The episode also tackles estate planning with practical advice: when a will isn’t enough, why trusts often make more sense, and how proper account titling and beneficiary audits can prevent probate delays. Plus, listener questions round out the hour, ranging from home buying decisions during economic uncertainty to the future of crypto and the Treasury’s recent moves.

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

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Tonight, we look at the real-world impact of tariffs—from policy to personal experience. After getting hit with a 145% tariff on a simple electric dirt bike order, Brian uses the story to highlight how quickly these economic shifts are starting to affect everyday consumers and small business owners. Is this a "chip shortage" part two?

The show explores the growing divide between political loyalty and practical financial understanding. Through listener calls and market commentary, Brian lays out how tariffs are changing buying behavior, why companies like Apple are in complicated positions with overseas manufacturing, and how investors can separate long-term opportunity from short-term noise.

There’s also a clear message for anyone sitting on the sidelines: if you’re still holding cash or stuck in low-growth products like annuities, it might be time to reevaluate. With market volatility tied to trade strategy, international positioning, and inflation policy, now may be a good time to rebalance and revisit your financial plan.

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Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley

Brian Wiley and Jeremiah Bates dig into how the latest tariff headlines, political pressure on the Fed, and fast-moving market swings—often triggered by fake news and social media rumors—are creating both chaos and opportunity for investors.

Brian shares insights from a recent financial conference, pointing out a troubling generational gap in financial advisory leadership and highlighting how seasoned advisors are keeping clients steady through volatile times. The show also features real listener calls, including advice to a 26-year-old balancing debt repayment with future investing goals, and a deeper look at dealing with a financial scam tied to solar financing.

The overarching message is clear: market volatility is nothing new, and emotional reactions are often the enemy of smart investing. Wiley and Bates emphasize strategy, education, and planning—urging you to position yourself for future opportunities rather than reacting to short-term fear.

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

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Brian cuts through the noise surrounding market volatility, interest rates, and U.S.-China trade tensions. As the S&P 500 and Dow show signs of technical stress—with major players like Nvidia and Apple influencing index performance—Brian explains why low-volume selloffs might not be as dire as they appear, and why institutional investors are still holding steady.

He explores the practical impacts of tariffs, particularly those targeting China, not from a partisan lens, but from a macroeconomic and behavioral standpoint. With a live call-in from a 24-year-old listener, the show evolves into a broader discussion on generational investing, the rise of AI and robotics, and how young investors should be thinking about long-term opportunity, not just short-term volatility.

We wrap up with a call from Congressman Russ Fulcher, who affirms the administration's tariff strategy as a driver of long-term domestic investment. Brian ties it all back to fundamentals: investing against the U.S. economy has historically been a losing bet. Now may be one of the best times to lean in strategically—not emotionally.

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Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley