As the news of failing banks around the world continue, the fear of losing hard-earned money to these institutions grow stronger. What is a bank run? Plus, Jeremiah argues that the CEO of Silicon Valley Bank may end up in a mess of legal troubles after accusations of insider trading start to stack. To spread more light on what happened in hopes to ease the uneasiness of these disasters, Todd Erickson with CapEd Credit Union calls in to answer  some of the questions we have.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

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Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

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Big news hit us late last week with Silicon Valley Bank essentially collapsing… and it begs us the question: Can we trust the banking system with our money? We may have the backup of the FDIC, but what flaws of the system could cause us to lose our money if it came to it? Brian, Jeremiah, and colleague Dave Perry dive into what happened and who is to blame. Plus, Dave gives us tips on how to manage our credit. And guess what–It’s really not that difficult.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Dave Perry, Branch Manager at Academy Mortgage

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The Real Money Pros:

https://www.therealmoneypros.com

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

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Environmental, Social, and Governance. Brian and Jeremiah cover ESG Funds; are they as effective as a fund that strives for maximum performance? Finding the balance between ethics and returns. Jeremiah talks about adding cryptocurrencies into your portfolio and where you should actually be holding your digital assets. Don't put all your trust into the exchanges that make it easy for you to buy and sell... Finally, the duo gives some last minute tax advice and what to do moving forward.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

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The Real Money Pros:

https://www.therealmoneypros.com

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

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To open up your free HSA, visit livelyme.com/pro to get started!

In the first hour, Adam Berry from Lively HSA, joins Brian Wiley to talk about just that. HSAs! This self-audited tool is the best way to save for medical expenses and save on taxes. But what happens when you get audited and you used your HSA card to buy beer along with your cough medicine? Adam gives tips on how to properly use your HSA money and differentiates between what expenses are qualified and not. Jeremiah sits in on the second hour to talk about long-term investing, market volatility, and the future of A.I. companies.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Adam Berry, Director, National Banking Partnerships

The Real Money Pros:

https://www.therealmoneypros.com

Lively (HSAs and FSAs)

https://livelyme.com/pro

Academy Mortgage:

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

The Federal Reserve is still busy trying to figure out ways to prevent our economy from heading into a full-on recession. With their corrections, can we expect a soft landing or a hard one? Maybe no landing at all. Jeremiah and Nic help cut down some of the financial “noise” we are bombarded with on the daily. What’s really important to pay attention to as a long-term investor? The inverted yield curve, artificial intelligence, and tax tips for 2022.

Hosts:

Jeremiah Bates, Financial Advisor

Nic Daniels BFA™, Financial Advisor

The Real Money Pros:

https://www.therealmoneypros.com

Academy Mortgage:

https://academymortgage.com

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

How much confidence do you have in the real estate market right now? In the first hour, Brian and Dave Perry have a conversation around housing affordability and just how much interest rates affect someone’s monthly payment. As the Fed raises rates further, will mortgage rates follow? It actually doesn’t have the correlation you may think. Plus, Jeremiah joins to discuss companies’ most recent earnings reports, upcoming economic outlook, and investing with loss aversion syndrome.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

Dave Perry, Branch Manager at Academy Mortgage

Academy Mortgage:

https://academymortgage.com

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

The Real Money Pros:

https://www.therealmoneypros.com

Wait... Did we already pass the bottom of the market? Brian and Jeremiah talk about how most of your financial decisions are probably based off of your own sense of FOMO. Do YOU think the recession is finally over? The team touches on mortgage rates and the reason why the Federal Reserve keeps adjusting rates. The average American car payment is around $1,000/month! Could leasing be more practical? AI technology and trying to find the next Apple.

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

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The Real Money Pros:

https://www.therealmoneypros.com

Academy Mortgage:

https://academymortgage.com

Lively (HSAs and FSAs)

https://livelyme.com/pro

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

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In 2022, stock and bond performances were abysmal… But that doesn’t necessarily mean more doom and gloom! After looking at previous years with similar performance numbers, there may be some hope for your accounts in 2023. We can take this as optimism, but not as a sure outcome.

Data Resource:

https://www.blackrock.com/us/financial-professionals/insights/student-of-the-market

Host:

Nic Daniels BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

Tree City Advisors of Apollon

https://www.treecityadvisors.com

Academy Mortgage

https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor

Lively (HSAs and FSAs)

https://livelyme.com/pro

Companies are releasing their earnings statements, but what does that exactly show us? Nic Daniels breaks down Netflix’s most recent quarterly earnings and proves that numbers can be decieving. Plus, as inflation starts to slow, what effects will that have on mortgage rates? Dave Perry with show sponsor, Academy Mortgage, says that he predicts rates will continue to decrease. Rental properties, being a landlord, and more.

Hosts:

Nic Daniels BFA™, Financial Advisor

Dave Perry, Branch Manager at Academy Mortgage

Academy Mortgage:

https://academymortgage.com

The Real Money Pros:

https://www.therealmoneypros.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Lively (HSAs and FSAs)

https://livelyme.com/pro

Scammers are really out here! And the ones that are most likely to be tricked out of their hard-earned money are our aging parents and grandparents. In 2021, there was roughly $1.7 BILLION stolen from fraudulent schemes. Nic gives you a few key hints that will instantly tell you if you’re being scammed…

Host:

Nic Daniels BFA™, Financial Advisor

The Real Money Pros

https://www.therealmoneypros.com

Tree City Advisors of Apollon

https://www.treecityadvisors.com

Academy Mortgage

https://academymortgage.com/?lo=dave-perry

Lively (HSAs and FSAs)

https://livelyme.com/pro