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PODCAST

The Real Money Pros

The Real Money Pros

Money: you make it, you want more of it, and you want to protect it. We are The Real Money Pros, a show hosted collaboratively by experts who specialize in investing, financial and estate planning, taxes, insurance, and any other way to grow wealth. Plus, we make it fun! We help you know good advice from bad – especially when everyone seems to want a piece of your money.

business investing

All Episodes

01:22:20

Estate Planning Failures, HSA Tax Strategies, & When...

The Real Money Pros ·

2026/04/20

Most people don't have a money problem—they have a follow-through problem. Brian Wiley and Jeremiah Bates use real-life case studies, including a massive estate mess left behind by Brian's own father, to show why DIY financial planning often leads to incomplete or broken outcomes—especially when trusts aren't properly funded or plans aren't kept up to date. The conversation goes into estate planning mechanics, breaking down how wills vs. trusts actually work, why co-trustee structures can create

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16:15

Certainty vs. Flexibility in Retirement Income Planning

The Real Money Pros ·

2026/04/16

Guaranteed income is often seen as the goal in retirement, but it comes with trade-offs that many investors don't fully understand. This podcast breaks down what you're actually giving up when you exchange a lump sum for a fixed income stream. While guaranteed income can provide predictability and peace of mind, it often comes at the cost of flexibility, control, liquidity, and long-term planning opportunities. Nic walks through how these decisions impact your ability to adapt to life changes,

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01:22:55

Iran Market Reversal, Estate Planning Pitfalls, &...

The Real Money Pros ·

2026/04/13

A volatile stretch tied to the Iran conflict quickly reversed last week, giving us a real-time example of how fast markets can swing and why reacting to short-term headlines can backfire. Jeremiah and Alex tackle listener questions, starting with whether apps like Acorns are a legitimate way to build wealth and leave money behind for family. That conversation turns into a deeper look at estate planning basics, including when simple tools like transfer-on-death designations work—and when they fall

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13:21

Widow's Tax Penalty: The Retirement Tax Bomb Couples...

The Real Money Pros ·

2026/03/26

Most couples assume taxes will decrease when one spouse passes away, but in many cases, the opposite happens. In this podcast, Nic focuses on the often-overlooked "Widow's Tax Penalty" and why it can create a significant tax burden for surviving spouses. When filing status shifts from married filing jointly to single, tax brackets shrink—often resulting in higher taxes on similar or even reduced income. Nic explains how income sources like IRAs, Required Minimum Distributions (RMDs), and certain

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01:22:57

Tax-Loss Harvesting, Gifting Strategies, & IRA Rules...

The Real Money Pros ·

2026/03/23

As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages. The show then shifts into practical, real-world

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01:22:42

Oil Over $100, Roth Conversion Strategy & Big...

The Real Money Pros ·

2026/03/16

With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation

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01:22:58

Oil Surges 35% After Iran Escalation: Market Impact,...

The Real Money Pros ·

2026/03/09

A surge in oil prices following escalating tensions between the U.S., Israel, and Iran sent energy markets sharply higher, raising new questions about inflation, interest rates, and how investors should respond. Jeremiah Bates and Alex Lundgren break down what a 35% spike in oil could mean for gas prices, consumer spending, and Federal Reserve policy, while explaining why reacting emotionally to geopolitical headlines can lead investors into costly mistakes. They discuss how markets historically

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01:22:52

From Tariffs to Trusts: Building a Financial Plan...

The Real Money Pros ·

2026/02/23

Jeremiah and Nic start with a volatile week in the markets following the Supreme Court's decision to strike down President Trump's tariff authority and the market's surprisingly calm reaction. They explain why uncertainty, not bad news itself, drives volatility and how diversified portfolios, including small caps, value stocks, and international exposure, help investors stay resilient when headlines shift. The conversation then turns to one of the most overlooked areas of financial planning: estate

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01:22:47

Is Bitcoin Crashing—or Doing Exactly What It Always...

The Real Money Pros ·

2026/02/09

Brian and Jeremiah talk about a volatile week in the markets with a deep dive into cryptocurrency, investor psychology, and why emotional reactions often lead to costly mistakes. The show breaks down Bitcoin's sharp pullback, putting it into historical context by explaining why 50%+ drawdowns have been a recurring part of its long-term behavior and why understanding your objective matters more than chasing momentum. The conversation expands beyond crypto to examine broader market volatility,

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01:22:47

Avoiding Costly Decisions: Precious Metals, Political...

The Real Money Pros ·

2026/02/02

This episode blends financial psychology with practical planning. Brian Alex open by discussing a core principle of advice: why seeking guidance only helps if you're willing to follow it, and how emotional decisions often lead to expensive outcomes. They answer listener questions about investing in silver, explaining how precious metals can fit into a diversified strategy when used appropriately, while cautioning against overconcentration and fear-based investing. The conversation also tackles

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01:22:57

How to Profit From the Headlines: Venezuela, Oil...

The Real Money Pros ·

2026/01/12

The first full trading week of 2026 kicks off with major headlines—and even bigger financial questions. In this episode of Real Money Pros, Jeremiah Bates and Brian Wiley react to the surprise Venezuela takeover and what it could mean for energy prices, investor sentiment, and potential opportunities in oil producers, refiners, and oil service companies. They tie current events back to long-term discipline using the BetterBuckets® system, explaining how investors can stay strategic instead of

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07:48

Gift Tax Explained: Do I Pay Taxes For My Christmas...

The Real Money Pros ·

2025/12/18

It's the season of giving—but does generosity come with a tax bill? Not exactly. In this solo episode, Nic Daniels breaks down one of the most misunderstood topics in personal finance: the gift tax. From helping your kids with a down payment to giving cash to grandkids, he explains exactly how much you can give without involving the IRS. You'll learn how the annual gift limit works, what Form 709 actually does (hint: it's not a tax payment), and how the lifetime gift and estate exemption keeps most

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01:21:58

Self-Employed Retirement Plans, BetterBuckets &...

The Real Money Pros ·

2025/12/16

Today, we focus on building smarter financial strategies for business owners, retirees, and long-term investors navigating a changing market environment. Jeremiah Bates and Alex Lundgren break down retirement plan options for the self-employed, including SEP IRAs, Individual 401(k)s, and SIMPLE plans—highlighting contribution limits, employee requirements, vesting rules, and costly mistakes business owners often overlook. The conversation expands into the BetterBuckets® System, explaining how

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01:22:49

Trump Accounts, Educating The Next Gen, & Best...

The Real Money Pros ·

2025/12/08

We're in December so you know what that means... Actionable planning as the year closes — from Required Minimum Distributions to Roth conversions, backdoor Roth execution, QCD mistakes, and avoiding IRS withholding penalties. Jeremiah and Nic unpack overlooked tax traps, including misreported charitable transfers, improper Roth documentation, Form 8606 errors, and how retirees get hit with avoidable interest and penalties. Also something new to look forward to: Trump Accounts. The guys break down

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30:21

50-Year Mortgages: Debt Until Death

The Real Money Pros ·

2025/11/11

You've heard the controversial new idea making headlines — the 50-year mortgage. What started as a proposal from national homebuilders sparks a bigger conversation: Are we solving housing affordability, or just stretching debt for another generation? Brian breaks down how amortization works, why stretching payments can look appealing but cost hundreds of thousands more in interest, and how it impacts the broader economy. He also shares personal stories about real estate mistakes, mortgage decisions,

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01:22:59

Social Security Secrets, Home Sale Tax Breaks, &...

The Real Money Pros ·

2025/11/10

This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts. They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits. Callers share real-world dilemmas: a 64-year-old in

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18:39

Roth Conversions: You May WANT To Pay Taxes

The Real Money Pros ·

2025/11/06

Pay taxes now or later? It's one of the biggest decisions in retirement planning and the Roth conversion strategy sits at the center of it. We break down how Roth conversions work, why timing is critical, and how they can transform your retirement strategy. They explain how to move pre-tax dollars into a Roth account, what the short-term tax hit really means, and how to avoid common pitfalls such as triggering Medicare surcharges or penalties under the five-year rule. We also touch on how to use

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01:22:57

Government Shutdowns, Paycheck Panic, & the Power of...

The Real Money Pros ·

2025/11/03

Brian Wiley takes on one of the most frustrating issues facing Americans today — the ongoing government shutdown — and what it reveals about our collective financial vulnerability. With nearly two-thirds of Americans living paycheck to paycheck, Brian explores how even a short-term disruption in income can send households into crisis mode. Through candid listener calls, including a 29-year-old air traffic controller working without pay and a retired veteran frustrated with misuse of social benefits,

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09:41

Alternative Investments: What They Are, Who...

The Real Money Pros ·

2025/10/30

Alternative investments have become a buzzword—but are they really the secret weapon of the ultra-wealthy, or just another tool in a diversified portfolio? In this podcast, Jeremiah and Nic unpack what "alternatives" actually mean—from private equity and private credit to other non-public market opportunities. They explain who qualifies as an accredited investor under Regulation D, what the income and net worth thresholds are, and why not everyone needs to chase these investments right away. They

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30:35

Open Enrollment Shock: How 2026 Could Upend Health...

The Real Money Pros ·

2025/10/28

Jeremiah Bates and Alex Lundgren team up with Steve Marsh from Medical Plans of Idaho to unpack a huge issue looming over millions of Americans — the potential expiration of enhanced premium tax credits under the American Rescue Act. With these provisions set to sunset after 2025, many could see premiums spike by 75–80% going into 2026! They explain what the "400% federal poverty level" threshold means for your wallet, who's most at risk, and what you can do now to prepare. The discussion dives into

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185 results

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