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The Wallet Gyde w/ Caleb Kioh

The Wallet Gyde w/ Caleb Kioh

By: The Plug
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Caleb Kioh, Founder of the WalletGyde, talks with top industry professionals to go on a financial journey that creates a platform for success. The habits learned will change your financial lifestyle so you can more easily manage your money.

Follow @WalletGyde on IG to develop the right habits to save!

© The Plug & Caleb Kioh Economics Leadership Management & Leadership Personal Finance
Episodes
  • Banking Basics with Ben Van Hoose Regional President at Alpine Bank of Colorado

    Banking Basics with Ben Van Hoose Regional President at Alpine Bank of Colorado
    May 11 2025
    🎙️ Banking Basics with Ben Van Hoose | President of Alpine Bank of Colorado💬 Trust. Money. Personal Economy.Welcome to an episode that breaks down what most people never get taught: how banking really works and why your financial journey isn’t just about dollars—it’s about relationships, trust, and understanding your personal economy.Hosted by Caleb Kioh, founder of WalletGyde, this episode features Ben Van Hoose, President of Alpine Bank of Colorado, as he pulls back the curtain on what banks look for, how they work with everyday people and entrepreneurs, and why having a banker can make all the difference in your financial life.🔍 FULL EPISODE BREAKDOWN & TOPICS⏱️ 0:00 – Intro & Ben’s Journey into BankingCaleb opens the show with energy and curiosity, introducing Ben Van Hoose as a key voice in Colorado banking. Ben shares how his banking career started unexpectedly in Lake Tahoe after college. What began as a way to pay the rent eventually turned into a fulfilling 20-year journey at Alpine Bank.⏱️ 4:19 – Why Don’t People Trust Banks?Caleb asks Ben why skepticism around banks still exists. Ben explains how historical events like the Great Recession and general lack of transparency have eroded public trust—but also why doing research on where your money goes can rebuild that trust.🧠 Key Idea: A bank is a building. A banker is a relationship.⏱️ 9:42 – Do You Need a Lot of Money to Have a Banker?Caleb addresses a common myth: that only wealthy people get access to bankers. Ben quickly dispels this, emphasizing that everyone should have a banker, even if they’re just starting out. The relationship can start with a teller or personal banker and grow over time.⏱️ 14:20 – Understanding Banking ProductsBen walks through core banking tools like checking accounts, savings, auto loans, and mortgages. He explains how these products work together and how banks decide what makes sense for your lifestyle.💡 Tip: Ask questions. A good bank will guide—not just sell—you into the right product for your financial behavior.⏱️ 17:17 – What Makes a Good Bank?Caleb asks Ben what people should look for when choosing a bank. Ben shares what customers should expect during account setup and how real bankers tailor financial tools to your needs—not the other way around.📌 Checklist Includes:Are you greeted when you walk in?Do they ask how you use your money?Do they explain fees and features transparently?⏱️ 20:08 – How Banks Support EntrepreneursBen and Caleb discuss startup capital, SBA loans, and what banks evaluate when approached by entrepreneurs. Ben emphasizes that banks aren’t just loan providers—they’re connectors, helping founders reach incubators, funds, and community programs.🔥 Quote: “You might not be bankable now—but we can help you get there.”⏱️ 28:07 – Equity vs. Debt: Raising Capital the Smart WayCaleb asks Ben for insight on combining equity and debt financing. Ben explains that structure matters—and it’s why every entrepreneur needs a financial team (banker, accountant, coach).⏱️ 32:44 – Financial Education: What Banks Can Do BetterBen shares how Alpine Bank partners with local coalitions to expand financial literacy. From high school students to underserved adults, he stresses the need for proactive outreach—not just pamphlets.📚 House Bill Mentioned: Potential legislation to require financial education in Colorado schools.⏱️ 34:18 – What Personal Bankers Actually DoCaleb asks if one of the key values of a personal banker is to help clients understand things like credit scores, loan rejections, and financial ratios. Ben agrees, describing how bankers can explain DTI, LTV, and credit behavior in human language—not just banking jargon.⏱️ 43:00 – Navigating Uncertainty & BudgetingCaleb brings up the idea of "personal economy", breaking it down like a P&L statement for consumers. Ben builds on this, urging people to plan for rising expenses (like insurance premiums) and unpredictable markets by maintaining emergency savings and budgeting habits.📊 Key Takeaway:Whether you’re a household or a business, you need a budget.⏱️ 50:21 – Final Thoughts: Do You Have a Bank or a Banker?Ben closes the episode with this challenge:“Look at your current banking relationship and ask: is it serving you?”He emphasizes that technology is useful, but human relationships are irreplaceable—especially when life throws you financial curveballs.💬 3 Words That Define This Episode:Trust. Money. Personal Economy.📌 Who Should Watch This Episode?First-time bank usersEntrepreneurs and small business ownersYoung professionals building creditAnyone trying to make sense of loans, fees, or choosing a bankPeople who want to understand how to build financial confidence and clarity👉 Enjoyed the episode?👍 Like it💬 Comment with your biggest takeaway🔔 Subscribe for more ...
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    55 mins
  • In The Trenches 2 – Navigating Growth, AI, and Business Innovation

    In The Trenches 2 – Navigating Growth, AI, and Business Innovation
    Feb 28 2025

    In this insightful episode of In The Trenches 2, host Caleb Kioh, founder of WalletGyde, is joined by Kris and Kyle Colley, the dynamic duo behind Book’um, and Donavan Bennett, co-founder of Mili Llama. Together, they engage in a deep and candid conversation about entrepreneurship, leveraging AI, product innovation, and scaling their businesses in 2024.

    The discussion explores how each founder is tackling the ever-changing business landscape, from integrating AI into financial coaching to community-driven platforms and strategic partnerships. They reflect on the challenges they’ve faced, the lessons they’ve learned, and the exciting innovations that are shaping their companies' futures.

    Whether you're a startup founder, tech enthusiast, or someone looking for real-world insights into business growth, this episode is packed with actionable takeaways and valuable perspectives.


    Updated Podcast Timeline

    14:00 – Leveraging AI and Technology for Growth

    • The rise of AI and how businesses are adapting.
    • Walletgyde’s approach to AI integration for financial coaching.
    • Using AI for content creation and automation in business.

    59:33 – Product Innovation & Future Roadmaps

    • Key features and innovations launched in 2024.
    • Walletgyde’s AI-powered financial coach initiative.
    • Book’em’s V2 redesign and community-driven features.
    • The role of strategic partnerships in business growth.

    1:00:00 – Walletgyde’s AI Integration for Financial Coaching

    • Introduction of AI-powered financial coaching.
    • Using ChatGPT to rewrite the executive summary and implement AI.
    • Long-term vision for AI’s role in Walletgyde.

    1:16:17 – The Functionality of Walletgyde’s AI Coach

    • Caleb describes an AI financial coach similar to ChatGPT but tailored for personal finance.
    • How AI will support both financial coaches and clients.

    1:16:41 – Kyle’s Response on Business Focus for 2025

    • Emphasizing building the best product possible.
    • Commitment to serving customers at the highest level.

    1:24:39 – AI for Content Creation and Automation

    • Using Zoom AI to generate transcripts and automate meeting deliverables.
    • AI-driven automation for business processes.
    • Tools like Opus AI for turning long-form content into short-form clips.

    This episode is a must-listen for entrepreneurs, tech innovators, and anyone looking to understand how AI is reshaping industries. Tune in to hear firsthand experiences, strategic insights, and the real struggles and triumphs of startup founders in today’s fast-evolving business world.

    🎧 Listen now and get ready to go In The Trenches!

    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    1 hr and 30 mins
  • The Tax Game with Caleb Kioh, Fintech Founder and John Dundon II, President at Taxpayer Advocacy Services, Inc.

    The Tax Game with Caleb Kioh, Fintech Founder and John Dundon II, President at Taxpayer Advocacy Services, Inc.
    Feb 9 2025

    As Artificial Intelligence (AI) transforms industries, Universal Basic Income (UBI) gains attention, and tax laws continue to evolve, how can individuals and businesses navigate these changes? In Part 2 of the Ultimate Guide to Understanding Your Taxes, Caleb Kioh, Fintech Founder of WalletGyde, sits down with John Dundon II, EA, President of Taxpayer Advocacy Services, Inc., to explore the intersection of taxation, AI, and the future of wealth distribution.

    This episode breaks down the critical tax, AI, and financial trends shaping our future, with expert insights and actionable strategies.

    🔹 Podcast Breakdown & Time Stamps:

    Episode Breakdown & Timestamps:

    1. Introduction and Background (0:00 - 3:10)

    • Caleb introduces the episode and guest, John Dundon II.
    • John shares his journey into taxation, from his childhood experience working with tax forms to becoming a tax consultant.


    2. Challenges in the Tax Industry (3:10 - 8:11)

    • Why taxes have a negative reputation.
    • Seven key reasons why taxes are so complex, particularly for millennials facing major financial life transitions.


    3. Tax Specializations and Compliance (8:11 - 13:35)

    • John explains his role as a tax consultant and enrolled agent licensed by the U.S. Treasury Department.
    • Specialization in tax disputes, audits, and compliance for small businesses.


    4. Key Changes in the Tax Landscape (13:35 - 18:27)

    • The Beneficial Ownership Information Reporting Requirement under the Corporate Transparency Act.
    • How business owners must report ownership details to the U.S. Treasury.
    • Legal challenges and implications for compliance.


    5. The Role of AI in Taxes (18:27 - 27:17)

    • AI’s evolving role in tax law and compliance.
    • The risks of misinformation from AI-generated tax advice.
    • How John trains his AI tax model for accuracy and case law validation.


    6. Universal Basic Income (UBI) and Future Implications (27:17 - 45:50)

    • How AI is impacting jobs and wealth distribution.
    • Feasibility of UBI as a solution for job displacement.
    • Potential funding challenges and tax policies for UBI.
    • The dichotomy of wealth and its effect on the economy.

    7. Practical Tax Planning for 2025 (45:50 - 54:46)

    • Key strategies to reduce tax liability:
    • Maximizing retirement contributions.
    • Adjusting tax withholdings properly.
    • Utilizing health savings accounts (HSAs).
    • Taking advantage of tax credits (student loans, Savers credit, child tax credits).
    • Preparing for the expiration of the Tax Cuts and Jobs Act provisions in 2025.

    8. Wealth Transfer and Trusts (54:46 - 56:45)

    • The massive wealth transfer occurring as baby boomers pass down assets.
    • The role of trusts in estate planning and tax efficiency.
    • How to avoid probate and ensure smooth intergenerational wealth transfers.


    9. Closing Thoughts (56:45 - 57:37)

    • John emphasizes the importance of finding trustworthy tax advisors.
    • Warning about unregulated tax preparers and the risks of misinformation.


    Final takeaway: “At the end of the day, it all distills down to trust.”

    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    58 mins

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