Real Money Pros

Brian Wiley tackles the root causes of inflation (and no, it's not just tariffs) and discusses how stimulus programs, economic cycles, and behavioral investing shape our financial reality. He challenges conventional narratives, critiques misleading government data, and gives a fresh perspective on how inflation, interest rates, and political noise affect your bottom line. He explains how to read t...

This weekend, Brian and Jeremiah go into the realm of estate planning, focusing on the misunderstood but crucial tool: the revocable living trust. They answer listener questions from California to Florida, explaining step-ups in basis, trust-based ownership, and how titling mistakes can send your estate straight into probate. The real-world implications of leaving property outside of a trust, the...

Big changes are coming to the student loan system—and if you or your kids plan to attend college soon, you need to know what's inside the One Big Beautiful Bill. In this week's podcast, Nic and Alex break down the sweeping new legislation that overhauls how federal student loans work starting July 1, 2026. From newly capped borrowing limits to stricter repayment plans, these reforms are designed t...

In this week's episode of The Money Hour on Newstalk KBOI, Brian talks about the biggest financial stressors Americans face—housing costs. How much of your income  should go toward your mortgage or rent? Are you "house poor" and don't even know it? He breaks down the real numbers behind PITI (Principal, Interest, Taxes, Insurance), lending standards, and how federal programs play into affordabilit...

This week, Brian and Jeremiah dig into one of the biggest mistakes they see from investors—sitting in too much cash out of fear. They talk through why holding back might feel safe but often leads to regret, missed opportunities, and slower retirement progress. They also break down today's weird market conditions: strong indexes, mixed economic data, and why consumer confidence still feels shaky de...

Most people don't think about hiring a financial advisor—until something bad happens. This week, Jeremiah is joined by Alex Lundgren for an honest conversation about what it really means to have a trusted advisor in your corner, especially during one of life's most difficult events: the loss of a loved one. They break down why human advice matters when you're faced with grief, paperwork, taxes, an...

Brian takes a deep dive into the future of money—especially stablecoins and how they might flip the whole payment system on its head. He breaks it down in plain English: what stablecoins are, how they could replace Visa and Mastercard, and why it actually matters to you. He also talks crypto in 401(k)s (yep, that's happening), how companies like NVIDIA and Micron are powering the tech behind the s...

Brian and Jeremiah cover what everyone's thinking: Why does the market feel fine if the public doesn't? They unpack the disconnect between bullish investors and frustrated consumers, and what the Fed's "higher for longer" stance really means for housing, inflation, and your portfolio. They also dive into a huge shift coming to our financial system—stablecoins. As Congress pushes new legislation to...

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,...

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....

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 wh...

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 s...

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 back...

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...

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 stic...

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 shif...

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 h...

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 tariff...

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,...

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 in...

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 t...

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...

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...

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...

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 list...