Best Nicdaniels Podcasts (2025)

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Cutting Taxes on Your 401(k) Stock: The NUA Strategy Explained 11:01

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2h ago11:01

11:01

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 o…

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War & Volatility: Why Boring Portfolios Still Win (6/23/2025) 32:28

1d ago32:28

32:28

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 …

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The Future of Money: Stablecoins (6/21/2025) 1:21:33

3d ago1:21:33

1:21:33

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…

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What 5% APY Really Means: The Truth Behind Bank Rates 12:46

7d ago12:46

12:46

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 betwee…

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$5 Trillion More? Debt, Taxes, and the ‘Big, Beautiful’ Bill (6/16/2025) 30:37

8d ago30:37

30:37

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 a…

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The Bucket Strategy: Our Retirement Planning Guide (Jeremiah’s Take) 41:31

9d ago41:31

41:31

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, …

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The Bucket Strategy: Our Retirement Planning Guide (Brian's Take) 41:28

10d ago41:28

41:28

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/…

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Smart Strategy for Dumb Times (6/9/2025) 32:29

16d ago32:29

32:29

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 Am…

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Elon vs. Trump: Another Investor Distraction (6/7/2025) 1:21:47

17d ago1:21:47

1:21:47

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 …

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Saving for the Future—Even When the Rules Don’t Make Sense (6/2/2025) 30:43

23d ago30:43

30:43

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—regardle…

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Cash Mistakes, Tariff Chaos, & Why Indexing Works (5/31/2025) 1:21:26

24d ago1:21:26

1:21:26

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…

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Company Stock in 401(k)? NUA. (5/24/2025) 41:30

30d ago41:30

41:30

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 b…

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Tariffs: Who Really Pays? (5/19/2025) 29:59

1M ago29:59

29:59

This week on KBOI, Brian digs into the economic and behavioral ripple effects of tariffs, asking the central question: who really pays? Using the latest Walmart price controversy as the backdrop, Brian challenges the political narratives suggesting tariffs are absorbed by foreign governments, when in reality, it’s American consumers, employees, and…

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Fixing The BROKEN Retirement System (5/17/2025) 1:21:36

1M ago1:21:36

1:21:36

Brian, Alex, and our callers dig into one of the most overlooked but urgent problems in personal finance: our retirement system is broken—and most people don’t even realize it. The conversation opens with an honest critique of the current mess of savings vehicles: 401(k)s, SIMPLEs, SEPs, IRAs, Roths—all with different rules, limits, and levels of a…

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Is Your Strategy Built for This? (5/10/2025) 1:21:40

1M ago1:21:40

1:21:40

This last Saturday, Brian Wiley and Jeremiah Bates dug deep into the real-world impact of tariff policy, investor behavior, and why emotional risk tolerance matters as much as the numbers. The market feels chaotic—but as the guys explain, it's not just the economy reacting—it's the people. And like a game of musical chairs, the longer the music pla…

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Mitigating Market Risk: What You Can Control (5/3/2025) 1:23:14

2M ago1:23:14

1:23:14

The trio gang (Brian, Jeremiah, and Nic) goes into the real economic impact of tariffs, rising uncertainty, and how financial planning needs to adapt to both market volatility and emotional behavior. As headlines swirl about the administration’s evolving trade strategy, the guys challenge listeners to examine their own “fortitude” for this economic…

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Tariffs Are Already Being Priced In (4/28/2025) 34:38

2M ago34:38

34:38

Tonight, we look at the real-world impact of tariffs—from policy to personal experience. After getting hit with a 145% tariff on a simple electric dirt bike order, Brian uses the story to highlight how quickly these economic shifts are starting to affect everyday consumers and small business owners. Is this a "chip shortage" part two? The show expl…

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Debt, Tariffs, & Market Turbulence (4/26/2025) 41:30

2M ago41:30

41:30

Brian Wiley and Jeremiah Bates dig into how the latest tariff headlines, political pressure on the Fed, and fast-moving market swings—often triggered by fake news and social media rumors—are creating both chaos and opportunity for investors. Brian shares insights from a recent financial conference, pointing out a troubling generational gap in finan…

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What This Market Is Really Telling Us (4/21/2025) 29:55

2M ago29:55

29:55

Brian cuts through the noise surrounding market volatility, interest rates, and U.S.-China trade tensions. As the S&P 500 and Dow show signs of technical stress—with major players like Nvidia and Apple influencing index performance—Brian explains why low-volume selloffs might not be as dire as they appear, and why institutional investors are still …

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Rebalancing, Roth, & Rising Care Costs (4/19/2025) 41:37

2M ago41:37

41:37

In this solo-hosted episode, Jeremiah Bates explores the week’s financial news and practical planning strategies—anchored by real-world client conversations. While Wall Street processed more volatility, led by Nvidia’s $5.5B hit and Apple’s China-related struggles, Jeremiah explains how index weighting magnifies the market impact of tech giants and…

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Opportunity Among Chaos (4/14/2025) 30:12

2M ago30:12

30:12

Brian Wiley breaks down one of the most emotionally charged and telling market sell-offs in recent memory. On April 8th, Main Street investors hit the panic button in response to tariff news, triggering a cascade of 401(k) liquidations and driving down markets in dramatic fashion. Brian, watching the sell-off unfold mid-flight, saw a flashing oppor…

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Markets Are Predictable (4/12/2025) 1:21:24

2M ago1:21:24

1:21:24

After the crazy week, Brian and Jeremiah dissect what they call the most emotionally driven and predictable market sell-off of their careers. Brian shares how, mid-flight, he scrambled to access Wi-Fi—not to panic, but to buy—spotting a clear opportunity as investors dumped assets out of fear. The hosts emphasize a critical truth: emotional decisio…

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Rate Cuts, Rally Risks, & Retirement (4/7/2025) 30:56

3M ago30:56

30:56

The markets are trying to ride high again — but should you trust the rally? In this week’s Money Hour, the team breaks down what’s really driving investor optimism right now. Is the Fed about to cut rates, or is inflation still too sticky to ignore? We unpack the latest jobs data and wage growth reports and what they might mean for your portfolio. …

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Markets on Edge: How to Play Defense (4/5/2025) 1:21:42

3M ago1:21:42

1:21:42

After ending a rough trading week, Brian and Jeremiah dissect the pivotal week on Wall Street as economic uncertainty rattles investors. With major indices taking a hit and bond yields climbing, they spotlight the bond market's warning signs and the Fed’s ongoing inflation battle. They explore the collapse of commercial real estate giants like WeWo…

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Outsmarting the Market (3/31/2025) 34:09

3M ago34:09

34:09

Brian talks about the latest market movements and what they mean for your portfolio. With inflation concerns and interest rate chatter still dominating headlines, he explores how investors can stay ahead of economic shifts. Brian also discusses tax-efficient investing strategies, including ways to maximize deductions and protect your wealth from un…

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Taxes, Traps, & Market Shake-Ups—Are You Prepared? (3/29/2025) 41:30

3M ago41:30

41:30

This Saturday, we talk the latest market trends and what they mean for your portfolio. We dive into smart tax strategies, helping you keep more of what you earn—especially if you’re facing Required Minimum Distributions (RMDs). Are you making tax-efficient investment moves? We give some tips on how to maximize your returns while minimizing Uncle Sa…

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Market Cycles, Musk Moves & Future Tech (3/22/2025) 41:32

3M ago41:32

41:32

Brian and Jeremiah break down the current market volatility and why investors need to prepare for inevitable downturns—just like you would during flu season! They discuss how market corrections happen every 14–16 months and why having a three-year financial cushion can keep you from making panic-driven mistakes. The conversation also dives deep int…

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Tesla: Charging Up or Short-Circuiting? (3/17/2025) 30:33

3M ago30:33

30:33

This Monday, Brian breaks down how emotions influence investing—using Tesla as the perfect case study. He discusses the psychology behind stock movements, investor sentiment, and why people buy and sell based on emotions rather than strategy. A listener calls in, revealing they now want to buy Tesla stock simply because they like Elon Musk. But is …

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Booms, Busts, & A.I. (3/15/2025) 41:36

3M ago41:36

41:36

Markets go up, markets go down—but what does that mean for your money? Brian Wiley dives into the cycles of booms and busts, reflecting on 25 years of market history and how investors can navigate uncertainty. With inflation, tariffs, and shifting tax policies in play, the key takeaway is this: smart financial moves matter more than ever. Brian is …

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Panic or Profit? (3/10/2025) 1:07:59

4M ago1:07:59

1:07:59

After weeks of fear-driven markets, we dive into yet another wild day, with the NASDAQ dropping over 4% and major stocks like Tesla taking a hit. But is this a time to panic or an opportunity to invest? Brian Wiley and guest John McClure from ProfitScore break down the market sell-off, the role of interest rates, and how political uncertainty is fu…

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Dealing With Market Corrections (3/8/2025) 1:21:35

4M ago1:21:35

1:21:35

This week, Brian and Jeremiah break down the latest market swings and what they mean for your portfolio. With the NASDAQ dipping into correction territory, should you be worried? Not if you’ve got a solid plan! We talk about why staying invested through the ups and downs is key and how to avoid panic-driven mistakes. Plus, we dive into estate plann…

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Federal Layoffs, HSA’s, & European Politics (3/1/2025) 1:21:28

4M ago1:21:28

1:21:28

Brian Wiley and Jeremiah Bates break down the fiery Oval Office exchange between Trump, JD Vance, and Ukraine’s Zelensky. What led to the heated debate, and was Zelensky’s approach the right move? The hosts analyze the political and financial stakes—especially how Trump’s efforts to reshape foreign alliances could ripple through global markets. The…

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Bitcoin, Gold, and AI: Where’s the Smart Money Going? (2/24/2025) 43:34

4M ago43:34

43:34

In this episode of The Money Hour on Newstalk KBOI, Brian Wiley dives deep into the ever-changing landscape of cryptocurrency, gold, and AI investing. He explores whether Bitcoin and other digital assets are finally earning their place in the financial world or if they remain too risky for the average investor. Meanwhile, gold has surged to nearly …

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No Volatility, No Growth (2/22/2025) 1:21:46

4M ago1:21:46

1:21:46

This week, Brian Wiley and Jeremiah Bates break down the latest market swings, explaining why recent volatility is normal market behavior and how investors should approach it. With economic uncertainty looming—fueled by inflation concerns and political factors—the guys explain how to stay disciplined in your investment strategy. As tax season kicks…

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Property Capital Gains Strategies & Income Planning (2/15/2025) 1:21:35

4M ago1:21:35

1:21:35

With the triple team, Brian, Jeremiah, and Alex dive into smart strategies for minimizing capital gains taxes when selling property. A caller shares their real-life scenario of selling two properties, prompting a discussion on how to leverage exemptions, 1031 exchanges, and Delaware Statutory Trusts to maximize profits while minimizing IRS exposure…

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Tariff Talks, Taxes, & The Volatility Rollercoaster (2/8/2025) 1:21:36

5M ago1:21:36

1:21:36

What a wild ride 2025 has been so far! We dive into the latest market swings and how tariffs are shaking up the economy. Jeremiah and Nic break down what the recent tariff discussions mean for businesses, consumers, and your portfolio. They also tackle the volatility that has defined 2025 so far—why markets keep swinging and how to stay level-heade…

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Smart Home-Buying Strategies in a High-Rate Market (2/1/2025) 1:21:34

5M ago1:21:34

1:21:34

This week, mortgage rates are top of mind as we discuss where they’re headed in 2025 and how the bond market is influencing lending rates. Guild Mortgage’s Dave Perry joins the show to break down home-buying strategies in today’s high-rate environment. Next, we explore how interest rate trends could impact your investments and borrowing power. The …

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A.I., Tax Prep, and Legislative Disruptions (1/25/2025) 1:21:18

5M ago1:21:18

1:21:18

On this episode, Jeremiah and Nic discuss how to navigate the complex tax season, offering tips for understanding 1099 forms and avoiding tax surprises. The duo dives into artificial intelligence and its potential impact on the economy, from energy demands to legislative risks, providing listeners with perspectives on investment opportunities and c…

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TikTok’s Dangers, Pensions, & Charitable Strategies (1/18/2025) 1:21:23

5M ago1:21:23

1:21:23

Brian Wiley and Jeremiah Bates unpack the dangers of bad advice on platforms like TikTok, highlighting how poorly sourced financial tips can lead to major IRS troubles. They emphasize the importance of vetting financial advisors and understanding credentials to ensure your money is in trusted hands. Too bad it didn’t stay banned for long! They then…

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Bond Yields, Rate Changes, & Starting a Business in 3 Days (1/11/2025) 1:21:39

5M ago1:21:39

1:21:39

Looking back at the week, Jeremiah and Brian dive into the latest job numbers and their surprising market impact, exploring how strong employment figures might influence Federal Reserve decisions and bond yields in the months ahead. They examine the intricacies of Qualified Charitable Distributions (QCDs) and Donor-Advised Funds (DAFs), showing how…

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What Will Lead The Markets in 2025? (1/4/2025) 1:20:29

6M ago1:20:29

1:20:29

To kick off 2025, Brian Wiley and Jeremiah Bates dive into the year ahead with actionable insights on smart tax strategies, the evolving crypto market, and navigating the housing landscape. They emphasize the power of Roth conversions and other pre-tax tools like HSAs and 401(k)s, providing guidance on how to optimize your tax picture and keep more…

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Value vs. Growth Investing & Year-End Tax Items (12/20/2024) 1:21:09

6M ago1:21:09

1:21:09

As we hit the final weeks of December, we’re gearing up for the financial challenges and opportunities that lie ahead in 2025. The conversation kicks off with expert insights on recent market movements, helping you understand what's driving the end-of-year volatility. Brian and Jeremiah talk about value and growth investing, offering practical guid…

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Common Retirement Mistakes (12/14/2024) 1:21:38

6M ago1:21:38

1:21:38

Jeremiah Bates and Alex Lundgren kick off the show by addressing common retirement planning mistakes, emphasizing the importance of saving early, adjusting plans over time, and preparing for rising healthcare costs. They highlight how neglecting these steps can derail your financial security in retirement. We see these often! They also dive into ef…

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Options Trading & Simplifying Your Finances (12/7/2024) 1:21:36

7M ago1:21:36

1:21:36

Brian and Jeremiah kick off today's discussion with the concept of simplicity in financial planning—reminding us that overcomplicating strategies can often lead to unnecessary stress. From estate planning to consolidating accounts, they emphasize the value of keeping things straightforward, especially when working across generations within families…

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Scam-Proof Your Family: Protecting Against Fraud and Exploitation (11/30/2024) 1:21:11

7M ago1:21:11

1:21:11

After the shortened trading week, Brian Wiley and Jeremiah Bates tackle the increasing threat of financial scams, particularly those targeting the elderly. With over $10 billion reported lost to scams in 2023, they discuss the importance of vigilance in protecting loved ones and yourself from fraud. 'Tis the season to be scamming! Additionally, the…

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Working With An Advisor at Year-End (11/23/2024) 41:30

7M ago41:30

41:30

On this episode, we dive into some of the most important financial strategies you should consider as we approach the end of the year. Whether you’re managing your portfolio solo or working with a financial advisor, we’ll break down how to match your financial needs with the right type of advisory service. We’ll also talk about the top year-end tax …

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Efficiency in Government & Personal Finance (11/16/2024) 41:21

7M ago41:21

41:21

In this shortened show, Brian and Jeremiah examine the ambitious push for government efficiency, including plans to cut $2 trillion in spending. With leaders like Elon Musk and Vivek Ramaswamy at the helm, we explore how transparency and strategic cost-cutting could reshape government operations while addressing public skepticism about bureaucracy.…

1
Trump Rally, National Debt, & Roth Conversions (11/9/2024) 1:21:41

8M ago1:21:41

1:21:41

Jeremiah Bates and Brian Wiley dive into key strategies for tax-efficient retirement income, focusing on Roth conversions and income planning. By understanding tax implications and income thresholds—such as those impacting Medicare premiums and ACA credits—retirees can strategically use Roth conversions to minimize taxes and optimize inheritance pl…

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Smart Strategies for Retirement, College Planning, & Business Success (11/2/2024) 1:20:01

8M ago1:20:01

1:20:01

Brian and Alex dive into proactive retirement planning and key strategies to make the most of your savings. We discuss how tax-efficient withdrawals and income planning can maximize funds, especially if you’re retiring before Medicare eligibility. We also cover how withdrawals from accounts like Roth IRAs and 401(k)s impact taxes and health insuran…

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Tax-Efficient Withdrawal Strategies & Planning Through Volatility (10/12/2024) 1:21:49

8M ago1:21:49

1:21:49

Jeremiah and Brian explore essential financial strategies for retirees navigating today’s unpredictable economic landscape. We discuss handling stock market volatility through diversification and risk tolerance, as well as optimizing tax-efficient withdrawal strategies from retirement accounts to minimize taxes and manage required minimum distribut…