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.

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https://www.therealmoneypros.com

Host:

Brian Wiley & Jeremiah Bates

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SPONSORS:

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

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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.

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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

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SPONSORS:

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

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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.

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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.

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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

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SPONSORS:

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

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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

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SPONSORS:

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

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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