The Wallet Gyde w/ Caleb Kioh

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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!

  1. AI Unplugged Episode 1

    07/24/2025

    AI Unplugged Episode 1

    In this foundational episode of AI Unplugged, we cut through the noise around artificial intelligence to bring you real, thoughtful insight into what AI truly is—and what it isn’t. Host Caleb Kioh sits down with technologist David Jitendranath and AI entrepreneur Soufiane Elaamili to discuss the building blocks of AI, the emerging concept of artificial consciousness, and the rapidly evolving role of agents, robotics, and digital workers. From industry applications to philosophical questions, this episode explores the human side of machine intelligence—and how to stay curious in a world of accelerating change. Topics Covered: What is AI in plain terms?The three pillars: Machine intelligence, data science, and automationNeural networks vs. human brainsThe multimodal future of AI (images, text, audio)Consciousness: Fact or fiction in machines?Real-world examples in manufacturing and softwareAI agents & the future of workTools you can use today⏱️ Timestamps: 00:07 – Intro: Meet Caleb, Soufiane & David 02:01 – David’s Tech Background (Programmer → Architect) 03:35 – Soufiane’s Background: Business, CAD, and XD Innovation 04:58 – Defining AI: What Does It Mean Today? 07:20 – Soufiane's Three Pillars of AI 09:26 – Are AI Systems Conscious? Neural networks & world models 13:13 – Multimodal AI: Language, audio, and visual evolution 15:09 – Should We Be Afraid of AI? (Ethics & limitations) 18:08 – AI in Hardware: Manufacturing, robotics, predictive maintenance 21:46 – The Rise of Humanoids: Tesla Optimus & the factory of the future 27:01 – AI Agents Explained: Automation, autonomy, and digital workers 32:48 – Agent Managers & The Future of Work 33:37 – Simple AI Use Cases: Chatbots, bookkeeping, HR tools 36:00 – Replacing Jobs or Creating Value? How to navigate the shift 39:53 – Curiosity as a Skill in the AI Age 41:45 – Guiding Principles for Building Tech 46:59 – Emerging Trends: Multi-agent systems & predictive data fusion 51:04 – Practical AI Tools You Can Use Today 53:56 – Reflections and What’s Next See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    54 min
  2. Future of Money Part 2 with Russell Castagnaro, Adryenn Ashley & Caleb Kioh

    07/06/2025

    Future of Money Part 2 with Russell Castagnaro, Adryenn Ashley & Caleb Kioh

    In this second installment of The Future of Money podcast, host Caleb Kioh continues the deep dive into the convergence of blockchain, AI, Web3, and digital currencies with two of the industry's boldest minds: 🚀 Russell Castagnaro – Blockchain & Digital Identity Pioneer, Co-Founder of Unicorn Account 🚀 Adryenn Ashley – Venture Capitalist, Futurist, and Founder of Minting the Future This episode explores how the way we earn, store, and exchange value is evolving — and how AI and decentralized technologies are shaping the next financial era. ⏱️ Timestamps & Topics 00:16 – Introduction & Setup Caleb sets the tone: Why the future of money isn't just financial — it's technological. “Being in finance… I get excited when I get to talk about digital currencies and Bitcoin.” 03:29 – Russell Castagnaro: Blockchain Through the Lens of Government & Payments Russell shares how he pioneered payment infrastructure for the State of Hawaii, developed a Bitcoin POS system, and built one of the first digital ID systems using blockchain. “We were doing $2 billion in payments a year… that’s how I saw the power of crypto.” 08:31 – Adryenn Ashley: From Early Bitcoin to AI-Powered Web3 Startups Adryenn recounts her 2009 entry into crypto, building blockchain-based consent systems for dating apps, and launching 100+ consumer-facing blockchain startups. “I like being on the bleeding edge… I built a decentralized consent platform before NFTs existed.” 12:07 – The Misunderstood Worlds of Blockchain, AI & Web3 The trio breaks down public misconceptions: why people fear AI, how blockchain is often misrepresented, and what Web3 truly empowers. “It’s not the AI you should be afraid of — it’s the companies behind it.” 20:31 – Data Ownership, Privacy & Stablecoins They unpack how centralized apps harvest user data, why stablecoins matter in unstable economies, and what decentralization can actually solve. “If the product is free, you are the product.” 27:13 – Venmo ≠ Peer-to-Peer: The Problem with App-Based Payments Caleb and Adryenn discuss how popular fintech apps aren’t truly peer-to-peer, and the risks of custodial systems. “Venmo isn’t P2P — it’s account to account with a middleman.” 32:43 – Tokenization & Light-Touch Crypto Regulation Russell explains the difference between utility, investment, and patronage tokens — and advocates for clear but flexible regulatory frameworks. “We need a registry system that works like stock exchanges: transparent, simple, optional.” 41:41 – Evolution, Not Replacement: How Crypto Complements Traditional Money They reframe the narrative: crypto isn’t here to kill fiat — it’s the next phase of money's evolution. “It’s just like going from checks to credit cards to mobile apps.” 44:55 – Getting Started: Tools, Tips & Investor Mindsets Practical advice: Stablecoins for payments, Roth IRAs for crypto gains, and figuring out what kind of investor you are. “Know who you are before diving into crypto. This is the deep end — no lifeguard.” 49:14 – Final Thoughts: Protect Yourself, Learn, and Take Control The guests close with a warning against scams and a rallying cry to embrace digital empowerment. “This is the future — but prepare yourself. Be sensible. Learn first. Invest after.” 🔗 Connect with the Guests Russell Castagnaro: Unicorn Account | Bufficorn VenturesAdryenn Ashley: Minting the Future | CryptoVixensCaleb Kioh: Founder of WalletGyde 📌 Like, Comment & Subscribe 👍 If you enjoyed this episode, give it a like 💬 Drop your thoughts in the comments 🔔 Subscribe for more conversations shaping the future of money See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    56 min
  3. Money Conversations with Marshall Moore Director of Community Banking at On Tap Credit Union

    05/27/2025

    Money Conversations with Marshall Moore Director of Community Banking at On Tap Credit Union

    🎙️ WalletGyde Presents: The Money Conversation with Marshall Moore Episode Theme: Empowered • Mission-Driven • Transformational Join WalletGyde founder Caleb Keel and special guest Marshall Moore of Untapped Credit Union for a powerful and passionate conversation about personal finance, money psychology, building systems, and defining true success. Whether you're just starting your financial journey or refining your wealth-building strategy, this episode will challenge your mindset and give you real tools to take control of your financial future. ⏱️ Topics & Timestamps 00:00 – Intro & Money Enthusiasm Caleb and Marshall open with energy, setting the tone for an enthusiastic dive into personal finance. 02:41 – Marshall's Money Origin Story Marshall shares his upbringing, how money shaped his childhood, and why he once believed money was the root of all evil. 04:44 – Generational Money Mindsets Stories of Marshall’s father and grandfather shed light on inherited beliefs and how they shape our attitudes toward money. 06:50 – From Teaching to Financial Coaching Marshall discusses transitioning from a science teacher to creating a real-world personal finance curriculum. 09:35 – Why Money Conversations Matter The case for removing the taboo around money and teaching foundational knowledge as early as high school. 11:33 – Financial Influences & Building a System Caleb and Marshall name key gurus and sources that shaped their philosophies—like Ramit Sethi, Paco de Leon, and Robert Kiyosaki. 15:00 – Mastering Cash Flow & Simple Systems A breakdown of how to manage variable income/expenses and the importance of automation and intuition in budgeting. 19:39 – WalletGyde’s Core Tools: Income & Net Worth Summaries How these two financial summaries help users understand their personal economy in a chaotic global market. 25:00 – Rethinking the 50/30/20 Rule Marshall proposes a modernized approach to the classic rule and how guilt-free spending and automation are key. 32:08 – Financial Principles vs. Personalization Why one-size-fits-all advice doesn’t work. Context, culture, and personal goals matter more than any formula. 35:00 – The Psychology of Money & Financial Coaching Money is emotional. Learn why awareness, coaching, and individualized support matter more than budgeting spreadsheets. 38:30 – Behavioral Economics & Psychology Gurus Marshall introduces Danny Kahneman, Amos Tversky, and Richard Thaler—who transformed how we understand decision-making. 40:00 – Money Is Made Up? The History of Currency A fascinating look at the social contract of money, the gold standard, and how fiat currency changed the game. 43:57 – Understanding Cultural Money Stories How different communities (Latin, Black, immigrant families) view and use money based on lived experience and systemic history. 50:00 – The Role of a Financial Coach Money coaching is about more than numbers—it’s emotional, relational, and essential for financial healing. 59:21 – Redlining, Generational Trauma & Financial Access How systemic issues like redlining shaped the financial outlook of entire communities. 1:05:48 – 🔥 Defining Success: Wealth vs. Purpose Caleb and Marshall dive deep into the meaning of success, mission-driven entrepreneurship, and redefining what it means to win. 1:10:45 – Growth vs. Value: Small Business Mindsets How success can be impact-focused rather than billionaire-driven—business as a value exchange and movement. 1:15:00 – Designing a Financial Life with Intention Specific systems, mindset shifts, and decision-making frameworks to support intentional, purpose-driven living. 1:25:00 – Credit Card Debt & Emergency Funds Why automated debt payments and savings reserves are the foundation for true financial freedom. 1:29:50 – Closing Message: Be the Hero of Your Journey Marshall’s final advice—gain competency, confidence, and clarity in your financial life. Customize your life. 🔔 Subscribe for more mission-driven money conversations. 💬 Got questions or want to share your money story? Drop a comment below! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    1h 30m
  4. Banking Basics with Ben Van Hoose Regional President at Alpine Bank of Colorado

    05/11/2025

    Banking Basics with Ben Van Hoose Regional President at Alpine Bank of Colorado

    🎙️ 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 Banking Caleb 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 Products Ben 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 Entrepreneurs Ben 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 Way Caleb 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 Better Ben 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 Do Caleb 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 & Budgeting Caleb 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 money conversations and community banking insights #BankingBasics #WalletGyde #AlpineBank #FinancialLiteracy #PersonalEconomy #FinancePodcast #TrustMoneyClarity See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    55 min
  5. In The Trenches 2 – Navigating Growth, AI, and Business Innovation

    02/28/2025

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

    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.

    1h 30m
  6. The Tax Game with Caleb Kioh, Fintech Founder and John Dundon II, President at Taxpayer Advocacy Services, Inc.

    02/09/2025

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

    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.

    58 min
  7. Money Moves with Caleb Kioh and Prince Dykes: Building Wealth, Trust, and Financial Freedom

    01/16/2025

    Money Moves with Caleb Kioh and Prince Dykes: Building Wealth, Trust, and Financial Freedom

    In this insightful episode, Caleb Kioh of WalletGyde sits down with Prince Dykes—investment advisor representative, Investopedia councilman, nonprofit leader, host of The Investor Show, and author—to explore the evolution of finance, personal wealth strategies, and the future of money. From his beginnings in the Navy to becoming a published author and financial educator, Prince shares practical tips, debunks financial myths, and provides a roadmap to building wealth in today's ever-changing economy. Key Topics Covered: Intro (1:05): Caleb introduces Prince Dykes and his multifaceted career in finance, education, and entrepreneurship.Icebreaker (2:40): Prince describes his journey in finance as a movie titled "Trading Places," reflecting his transformation from humble beginnings to success in the financial world.The Evolution of Smart (3:23): A discussion on how the definition of intelligence has shifted from memorization to communication and relationship-building in the digital age.Transition from Military to Finance (12:24): Prince shares how his Navy background and fatherhood inspired him to write "Wesley Learns to Invest" and teach financial literacy.Myths in Finance (15:00): Prince busts common financial myths and stresses the importance of living below your means, investing wisely, and building credit to secure assets.The Importance of Relationships (28:53): Prince explains how choosing the right life partner impacts long-term financial success and stability.Financial Products and Benchmarks (32:46): Breaking down financial products and the importance of understanding the future value of money when making investment decisions.Trust Issues with Financial Institutions (40:00): Addressing historical distrust in minority communities and the need for financial literacy to navigate and build wealth.The Role of the US Military in the Economy (48:25): Prince discusses how the US military supports economic dominance and strengthens the US dollar as the world currency.The Future of Finance and the US Dollar (48:35): Exploring challenges to the US dollar’s dominance as other nations advance in technology and defense.Asset Class and Economic Impact (51:07): Analyzing how the stock market’s performance affects retirement accounts and the overall economy.The Shift in Money’s Role (51:19): Highlighting money’s evolution into a survival tool and the need for financial literacy in today’s world.Conclusion (55:00): Caleb wraps up the episode, thanking Prince and hinting at future conversations about wealth creation and personal finance.Tune in to learn how to navigate the financial landscape, build wealth, and plan for the future with Caleb and Prince! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    57 min
  8. In The Trenches Episode 1

    12/17/2024

    In The Trenches Episode 1

    In The Trenches is a deep dive into the entrepreneurial journey with Caleb Kioh of WalletGyde, Donovan Bennett of Mili Llama, and Kris and Kyle Colley of BookUm—innovative BIPOC founders leading the charge in their industries. This conversation uncovers the real startup grind, exploring the pivotal challenges and triumphs of building businesses from the ground up. From navigating accelerator programs, securing fundraising, and mastering startup checklists to scaling operations, hiring the right team, and managing day-to-day operations, these founders share their battle-tested strategies and hard-won lessons. Learn how the power of networking has opened critical doors, how they strive to balance work and life, and where they draw their inspiration to keep pushing forward. More than just short-term wins, Caleb, Donovan, Kris, and Kyle share their long-term vision for their companies and the communities they aim to impact. Whether you’re an aspiring founder, a startup veteran, or someone looking to understand what it takes to build and sustain a business, this episode offers actionable advice, invaluable insights, and a celebration of the resilience and innovation of BIPOC entrepreneurs. Get ready to be inspired, informed, and empowered as we take you into the trenches of entrepreneurship—where visions are tested, lessons are learned, and businesses are born. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    1h 9m
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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!

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