Stock Overconcentration: When One Winner Becomes Your Biggest Risk
The Real Money Pros
One stock can change your life — and then quietly become your biggest retirement risk. Nic Daniels breaks down the dangerous side of a “winning” portfolio: stock overconcentration. Using Micron’s explosive run as a real-world example (currently over $390/share as of the recording date), he explains how employees, long-time investors, and families who inherit stock can wake up to life-changing wealth… only to realize one company now controls their entire financial future. You’ll learn how concentration risk happens (often by accident), why investors get emotionally stuck holding...
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RMD Planning, Social Security Filing, & The Credit Card Crisis (1/24/2026)
The Real Money Pros
Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it’s consumer protection or government overreach, and how limiting risk can also limit opportunity. They connect today’s headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth “buckets” helps investors stay disciplined when markets fluctuate....
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Hidden Advisor Fees, Mutual Fund Traps, & How to Avoid Bad Money Advice (1/17/2026)
The Real Money Pros
Brian and Jeremiah dive one of the biggest questions investors should be asking: how do you know if your financial advisor is truly working in your best interest—or quietly profiting from hidden fees? This show starts by breaking down fiduciary vs commission-based advice, why transparency matters, and what listeners should ask to uncover all-in advisory costs—including mutual fund expense ratios, 12b-1 fees, and confusing share class structures like A, B, and C shares. Plus, practical call-in planning: a homeowner selling property after decades in California learns how the $500,000...
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How to Profit From the Headlines: Venezuela, Oil Opportunities, and Critical Tax Moves for 2026 (1/10/2026)
The Real Money Pros
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 emotional when news cycles accelerate. Listeners also get clarity on a major Social Security...
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Tax Traps to Avoid, Cash Mistakes, & Smarter Year-End Planning (12/20/2025)
The Real Money Pros
As 2025 winds down with markets near all-time highs, we focus on how investors can stay disciplined, tax-efficient, and emotionally grounded heading into 2026. Jeremiah Bates and Nic Daniels unpack why market volatility—driven by headlines, politics, and forecasts—shouldn’t dictate financial decisions, and how time-based “bucket” strategies help protect lifestyle spending regardless of market swings. The guys go into common mistakes made by high-income earners, including excessive cash holdings, poor tax withholding, misreported backdoor Roth contributions, and costly surprises from...
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Gift Tax Explained: Do I Pay Taxes For My Christmas Giving?
The Real Money Pros
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 people completely in the clear. With current limits set at $19,000 per person and no...
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Self-Employed Retirement Plans, BetterBuckets & Investing Through Market Volatility (12/13/2025)
The Real Money Pros
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 aligning cash, income, and growth assets can reduce emotional decision-making and create clarity...
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Trump Accounts, Educating The Next Gen, & Best Year-End Tax Moves (12/6/2025)
The Real Money Pros
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 how these federally seeded children’s investment accounts work, eligibility timelines,...
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Must Do's Before Dec. 31st: Taxes, Markets, & Planning Deep Dive (11/22/2025)
The Real Money Pros
This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what’s actually happening under the hood. They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double...
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Why the Market Feels Crazy: Insights from Profitscore
The Real Money Pros
This week’s Money Hour dives into one of the most volatile stretches the market has seen in months — and why investors are reacting the way they are. Brian welcomes Richard Davila of Profitscore Capital Management to break down the real drivers behind the market sell-off: stalled Fed rate cuts, a crypto crash shaking retail investors, shaky labor data, and sky-high expectations for Nvidia’s upcoming earnings. From there, the conversation shifts to what volatility actually signals, how ProfitScore uses “volatility regimes,” and why the current neutral regime makes investing especially...
info_outlineYou'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, and how inflation and rising rates are reshaping homeownership for Millennials and Gen Z.
Listeners call in with their own real-life experiences — from first-time homebuyers juggling tight budgets to the emotional payoff of finally owning a place you can call your own. Along the way, Brian explains the math behind mortgage length, how income growth changes affordability over time, and why some debts may not be as “bad” as you think.
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https://www.therealmoneypros.com
Host:
Brian Wiley