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.

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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.

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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

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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

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

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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.

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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

—————————————————————

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?

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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