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...

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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

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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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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

In this second part of our two-part show, Jeremiah Bates takes the mic to share his perspective on one of our most powerful retirement planning tools: the bucket strategy. Building on Brian's introduction in Hour 1, Jeremiah breaks down the logic, math, and mindset behind organizing your assets into three core buckets—short-term liquidity, income, and long-term growth.

Using real client examples, including one who retired just before the COVID crash, Jeremiah explains how the bucket plan can protect your retirement income, reduce emotional investing mistakes, and help you weather market downturns with confidence. He outlines how each bucket functions, what types of investments belong in them, and why timeline-driven planning is essential for lasting financial peace of mind.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

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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Brian Wiley dives deep into one of the most effective investment strategies for retirement: bucket-based investing. Using a fictional scenario, Brian explains how blending goal-based and cash-flow planning can help retirees organize their assets into three key buckets—stable, income, and growth. He walks through their $1.3M portfolio, their $6,000/month retirement income needs, and how to align investments with real-life goals like buying an RV or planning for early retirement. Brian shows how this simple system empowers investors to manage market volatility, reduce emotional decisions, and retire with clarity.

Look for our next episode where Jeremiah Bates give his point of view of The Bucket Strategy!

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley

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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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Amid the recent political theater, economic uncertainty, and media overload, this week's show on KBOI strips it all back to what really matters: your money and your mindset. Brian Wiley challenges listeners to push past the distractions—from tariffs and tech to presidential puffery—and demand the one thing no one seems to be offering: a plan.

Is America headed for another recession? Will tariffs tank your investments? And what do Elon Musk, Micron, and your 401(k) have in common? We don't pretend to have all the answers—but we do have a framework that works, even when the world doesn't.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley, Wealth Management Advisor

The dudes unpack the headlines that distracted investors all week—starting with the bizarre (and kind of surprising) public feud between Elon Musk and Donald Trump. But rather than get caught in the drama, they break down what these kinds of headlines actually reveal about market psychology, innovation narratives, and how investors often overreact to noise.

Brian shares thoughts on Musk’s focus on Mars, and how the biggest minds—and money—are increasingly concentrated in AI, robotics, and infrastructure. Jeremiah brings it back to reality with a discussion on emotional investing and why even the best plans get derailed by uncertainty and indecision.

They also revisit the bucket strategy, explain how long-term planning can absorb market turbulence, and share a real-world story about a client who sold a home and finally put cash to work—reminding listeners that action, not perfection, drives results. We talk tech, politics, and personal finance in a way that helps listeners refocus on what actually matters: having a strategy that isn’t swayed by social media, soundbites, or sentiment swings.

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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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.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Host:

Brian Wiley