October 28, 2025 • 10 mins
Ben Criddle talks BYU sports every weekday from 2 to 6 pm.
Today's Co-Hosts: Ben Criddle (@criddlebenjamin)
Subscribe to the Cougar Sports with Ben Criddle podcast:
Apple Podcasts:
https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676
Today's Co-Hosts: Ben Criddle (@criddlebenjamin)
Subscribe to the Cougar Sports with Ben Criddle podcast:
Apple Podcasts:
https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Let's talk about stats. Been Credital and his team of
former players and insiders give you the latest stats, data
and analytics that are trending in the world of Cougar
Sports stats.
Speaker 2 (00:13):
Welcome back Cruger Sports, one of the three nine ninety eight
point three ESPN the fan. I've been critical broadcasting from
our band or while studios Banterwealth dot com. Please get
on a free Q and A. No obligation to a
vest Q and A with our tax more wealth advisors
certify financial planners. Nobody does it better than Baterwealth. Let's
band together build our wealth. Without a vision, we perish.
Without a financial vision, You're not going to be able
(00:33):
to retire.
Speaker 1 (00:34):
Hit them up.
Speaker 2 (00:34):
Get on a free Q and A. It is time
to talk about stats and to talk about some of
these stats of the day as it released to football
and basketball. We have Certified Financial Planner NFLPA Certified Financial Planner.
We got Blaine Anderson of Batterwealth Online. Blaine, how the
heck are you?
Speaker 3 (00:49):
I'm doing great. Happy Friday to you guys. Great to
be here.
Speaker 2 (00:52):
Always a pleasure talking metrics and numbers with you. Let's
start off with a football in basketball metric here ranking
if you will. Last season twenty twenty four, I always
look at BYU football and BOE basketball. Those are the
premier sports of Brigham BYU football wasn't even predicted last
(01:13):
year to make a Bowl game, let alone to win
eleven games right and end up thirteenth overall in the country.
With that monumental win in the Alible Bowl, eight million
viewers watched as the Cougars demantled the the primetime Shador
(01:34):
and Travis Hunters show, it was great BYU basketball. They,
on the other hand, at the beginning of the twenty
twenty four twenty twenty five season, they were kind of
on the outskirts. There was like there was expectation for them,
but they weren't in the top twenty five. They were
in that twenty six, twenty seven to twenty eight range,
and they ended up at the end of the season
(01:54):
with a sweet sixteen run. They ended up thirteenth overall
as well. Kind of an interesting number thirteen. And by
the way, way I think BYU basketball and football were
both predicted in the preseason oh wait, it was just football.
Football was predicted to be the thirteenth best team in
the Big twelve. Kind of interesting. This number thirteen popping up.
I don't know what that means. I don't know what
the significance is. Maybe you can elaborate on it in
(02:16):
the financial world what thirteen actually means. But anyway, I'm
looking at this this season here, BYU football was right
on the outside of the top twenty five preseason. Right
now they're eleventh in the country. Pretty crazy. Where will
they end up? Do you think? In your opinion? And
then BYU basketball preseason is eighth in the country. If
(02:41):
BYU continues at this rate, BYU's gonna end up. BOAU
football is gonna end up in the top ten as
well as BYU basketball ending up in the top ten
by the end of two thousand, twenty six the twenty
twenty six season, twenty five twenty twenty six season. What
do you make of those rankings, those att What stands
out to you?
Speaker 3 (03:03):
One thing that stands out to me has to do
with just being a Cougar fan. I know that I'm
not the only one out there. One thing I love
about BYU is us being the underdogs, and I feel
like we do achieve more with less. And that's what
those rankings and those statistics tell me. A lot of
times we do get doubted. We don't get the national recognition,
(03:24):
and it seems like we're underappreciated across the country. But
these kind of stats and finish in top fifteen this year,
probably top ten for both premier sports. We got to
start getting a little more recognition. But I'll tell you
what it makes me proud. As a BYU Cougar fan.
I love being the underdog, and I love us overachieving
(03:44):
and what I feel doing more with less. I think
it's cool and it gives me a little more Cougar pride.
Speaker 2 (03:49):
Love that Yeah, BYU has done. I think in the
modern era, has done more with less than any other
school per dollar spent. They've won or in all of
their sports than any other university. And I think now
that they're on an equal playing field from a resource
allocation standpoint, sky's the limit. Nothing's really going to slow
(04:11):
down this BYU hype train. Now, Blaine, we're getting towards
the end of the year and we're looking at our taxes.
We're looking at a lot of things at the end
of the year as far as our finances are concerned.
Let's talk some financial stats. Many self employed professionals just
wrapped up their tax filings on October fifteenth. Issues of
the time of the year when a lot of folks
(04:32):
start thinking about how to finish the year strong financially.
What kind of planning strategies should listeners be thinking about
right now, Well.
Speaker 3 (04:41):
Let me mention two things. Ben, You're right, this is
a busy time of year. A lot of us just
actually file our tax returns as of October fifteenth, so
it's on our minds. We're coming up on the year end,
we have an idea of what our income has looked
like throughout the year, and so this is prime time
to be integrating your tax and investment management. I know,
just with recent appointments with clients, we've been talking about
(05:03):
making sure that your retirement accounts are fully funded. We've
been looking at a lot of tax mort wealth strategies,
whether it's an oil and gas or real estate with
bonus appreciation, things that can help you keep more of
what you've made throughout the year. And then also we
even talk about gifting strategies. Many of our clients and
(05:23):
people out there are charitably inclined, and this is that
time to think about it as well, and how you
can maximize those charitable gifting intentions that you have not
only get the most bang for your buck, but do
the most good. And so those are all into the
year strategies. But a second thing I was going to
mention that we do often for clients that we thought
we'd do for esp and listeners here as we wrap
(05:45):
up the year, we do a tax observations analysis. It's
from a CFP perspective and it's a way for clients
to get some outside perspectives, some additionals into the year strategies.
We identify some efficiencies, we will bring to the tables
some options, and it's something that our clients find great
(06:06):
value in. We thought that it might be something that
we would do on behalf of ESPN listeners before the end.
Speaker 2 (06:11):
Of the year.
Speaker 3 (06:12):
By reaching out to us through our website banderwealth dot com,
we'll facilitate this. It's normally a thousand dollars cost, but
it's something we'd like to do on behalf of listeners
and something we thought we'd mentioned here before the end
of the year for ESPN listeners to receive a tax
observations analysis from your friends here at vanderwealth dot com.
Speaker 2 (06:31):
Easiest way to do that then is go to banterwealth
dot com and then navigate the website to which location.
Speaker 3 (06:38):
Yeah, send us a note and then what we'll do
is send you a link to upload your tax returns securely.
That's most important, but I think that you'll be impressed
at the observations and the analysis that comes back from
a certified financial planning standpoint can help identify for listeners
some specific strategies or things that they can do before
(07:00):
the end of the year. And it's something that we
do on behalf of clients on a regular basis, and
we'd like to do it for listeners of the show.
Speaker 1 (07:07):
Love that.
Speaker 2 (07:08):
I'd love that you take care of our listeners. Another
thing here, you've talked about custom income notes every month.
What's the October edition looking like and why is it
a smart play right now?
Speaker 3 (07:20):
Yeah, this is one of our favorite strategies, something that
we do on a monthly basis on behalf of clients,
especially those that are looking for income and want to
have a little downside protection. It's not a direct investment
in the market, but we track a couple of large
industry leaders. For example, this month, we're tracking Nvidia, United
Healthcare and lily, and what it does is give us
(07:42):
some downside protection, either a thirty percent or fifty percent protection,
and as long as these underlying securities stay within those
barriers and those buffers, we get a monthly interest payment
and this one is annualized at twenty percent for a
fifteen month period of time, which means there's a total
opportunity of twenty five percent. The reason we like it
(08:04):
and do it on behalf of investors is we don't
know what the market's going to do tomorrow. Of course
it's at a high point, but this gives us some
downside buffers and some opportunities to win in the form
of receiving monthly cash TUPOMP payments as long as those
underlying securities, these large cap companies and industry leaders to
stay within this thirty percent and even a fifty percent buffer.
(08:26):
So one of our favorite types of investments. It's important
for investors to understand the risks associated with it, and
they can reach out to our office as well to
get more additional information about a band or custom income note.
So something fun that we've got set up and it'll
trade next week on the thirty first, right before the
end of the month.
Speaker 1 (08:44):
Love that.
Speaker 2 (08:45):
Head on over to batterwealthbatterwealth dot com and discover what
beatter wealth can do for you, especially at the end
of the year when it matters most. Blaine, always appreciate
our time together. Give me a score prediction really quick
BYU versus Iowa State. BYU is a two and a
half point dog. Okay heading into Ames Iowa. The over
(09:09):
under a set at forty nine and a half ESP
and Analytics gives BYU a fifty four percent chance of victory.
Do you think it's another one score game and BYU
comes out triumphant? Give me your thoughts. Yeah, I do.
Speaker 3 (09:24):
I've only heard about Ames and Iowa State in that environment,
but it sounds like it's going to be brutal and
one of our toughest ones of the year.
Speaker 1 (09:31):
So yeah, I do.
Speaker 3 (09:32):
I think it's another one one score game and outcome.
But our cardiac koog's have been coming in late in
the games. I love what's happening, and especially if Barret
can keep running like he is, I'll call it seventeen fourteen.
I think we'd be on the ender, but I'm expecting
it'll probably be a little cold. I don't know exactly
(09:53):
what the weather conditions are like. But I like another
close game seventeen to fourteen, of course, going with our
cardiac coots.
Speaker 2 (10:00):
Let's go Blaine Anderson, Ladies and gentlemen, NFLPA Certified Financial
Planner contact him today. Blaine, thanks so much for hopping on.
Speaker 3 (10:07):
Always a pleasure. Thanks guys.
Speaker 2 (10:09):
There you go. That's let's talk about stats. Brought to
you by betterwealthbatterwealth dot Com. Get on a free Q
and A no obligation to invest Q and A with
our tax more wealth Advisors today. You won't regret it.
Let's go to break, don't go anywhere more to get
to This is Cougar Sports one of three nine ninety
eight point three ESPN The Fan
Let's talk about stats. Been Credital and his team of
former players and insiders give you the latest stats, data
and analytics that are trending in the world of Cougar
Sports stats.
Speaker 2 (00:13):
Welcome back Cruger Sports, one of the three nine ninety eight
point three ESPN the fan. I've been critical broadcasting from
our band or while studios Banterwealth dot com. Please get
on a free Q and A. No obligation to a
vest Q and A with our tax more wealth advisors
certify financial planners. Nobody does it better than Baterwealth. Let's
band together build our wealth. Without a vision, we perish.
Without a financial vision, You're not going to be able
(00:33):
to retire.
Speaker 1 (00:34):
Hit them up.
Speaker 2 (00:34):
Get on a free Q and A. It is time
to talk about stats and to talk about some of
these stats of the day as it released to football
and basketball. We have Certified Financial Planner NFLPA Certified Financial Planner.
We got Blaine Anderson of Batterwealth Online. Blaine, how the
heck are you?
Speaker 3 (00:49):
I'm doing great. Happy Friday to you guys. Great to
be here.
Speaker 2 (00:52):
Always a pleasure talking metrics and numbers with you. Let's
start off with a football in basketball metric here ranking
if you will. Last season twenty twenty four, I always
look at BYU football and BOE basketball. Those are the
premier sports of Brigham BYU football wasn't even predicted last
(01:13):
year to make a Bowl game, let alone to win
eleven games right and end up thirteenth overall in the country.
With that monumental win in the Alible Bowl, eight million
viewers watched as the Cougars demantled the the primetime Shador
(01:34):
and Travis Hunters show, it was great BYU basketball. They,
on the other hand, at the beginning of the twenty
twenty four twenty twenty five season, they were kind of
on the outskirts. There was like there was expectation for them,
but they weren't in the top twenty five. They were
in that twenty six, twenty seven to twenty eight range,
and they ended up at the end of the season
(01:54):
with a sweet sixteen run. They ended up thirteenth overall
as well. Kind of an interesting number thirteen. And by
the way, way I think BYU basketball and football were
both predicted in the preseason oh wait, it was just football.
Football was predicted to be the thirteenth best team in
the Big twelve. Kind of interesting. This number thirteen popping up.
I don't know what that means. I don't know what
the significance is. Maybe you can elaborate on it in
(02:16):
the financial world what thirteen actually means. But anyway, I'm
looking at this this season here, BYU football was right
on the outside of the top twenty five preseason. Right
now they're eleventh in the country. Pretty crazy. Where will
they end up? Do you think? In your opinion? And
then BYU basketball preseason is eighth in the country. If
(02:41):
BYU continues at this rate, BYU's gonna end up. BOAU
football is gonna end up in the top ten as
well as BYU basketball ending up in the top ten
by the end of two thousand, twenty six the twenty
twenty six season, twenty five twenty twenty six season. What
do you make of those rankings, those att What stands
out to you?
Speaker 3 (03:03):
One thing that stands out to me has to do
with just being a Cougar fan. I know that I'm
not the only one out there. One thing I love
about BYU is us being the underdogs, and I feel
like we do achieve more with less. And that's what
those rankings and those statistics tell me. A lot of
times we do get doubted. We don't get the national recognition,
(03:24):
and it seems like we're underappreciated across the country. But
these kind of stats and finish in top fifteen this year,
probably top ten for both premier sports. We got to
start getting a little more recognition. But I'll tell you
what it makes me proud. As a BYU Cougar fan.
I love being the underdog, and I love us overachieving
(03:44):
and what I feel doing more with less. I think
it's cool and it gives me a little more Cougar pride.
Speaker 2 (03:49):
Love that Yeah, BYU has done. I think in the
modern era, has done more with less than any other
school per dollar spent. They've won or in all of
their sports than any other university. And I think now
that they're on an equal playing field from a resource
allocation standpoint, sky's the limit. Nothing's really going to slow
(04:11):
down this BYU hype train. Now, Blaine, we're getting towards
the end of the year and we're looking at our taxes.
We're looking at a lot of things at the end
of the year as far as our finances are concerned.
Let's talk some financial stats. Many self employed professionals just
wrapped up their tax filings on October fifteenth. Issues of
the time of the year when a lot of folks
(04:32):
start thinking about how to finish the year strong financially.
What kind of planning strategies should listeners be thinking about
right now, Well.
Speaker 3 (04:41):
Let me mention two things. Ben, You're right, this is
a busy time of year. A lot of us just
actually file our tax returns as of October fifteenth, so
it's on our minds. We're coming up on the year end,
we have an idea of what our income has looked
like throughout the year, and so this is prime time
to be integrating your tax and investment management. I know,
just with recent appointments with clients, we've been talking about
(05:03):
making sure that your retirement accounts are fully funded. We've
been looking at a lot of tax mort wealth strategies,
whether it's an oil and gas or real estate with
bonus appreciation, things that can help you keep more of
what you've made throughout the year. And then also we
even talk about gifting strategies. Many of our clients and
(05:23):
people out there are charitably inclined, and this is that
time to think about it as well, and how you
can maximize those charitable gifting intentions that you have not
only get the most bang for your buck, but do
the most good. And so those are all into the
year strategies. But a second thing I was going to
mention that we do often for clients that we thought
we'd do for esp and listeners here as we wrap
(05:45):
up the year, we do a tax observations analysis. It's
from a CFP perspective and it's a way for clients
to get some outside perspectives, some additionals into the year strategies.
We identify some efficiencies, we will bring to the tables
some options, and it's something that our clients find great
(06:06):
value in. We thought that it might be something that
we would do on behalf of ESPN listeners before the end.
Speaker 2 (06:11):
Of the year.
Speaker 3 (06:12):
By reaching out to us through our website banderwealth dot com,
we'll facilitate this. It's normally a thousand dollars cost, but
it's something we'd like to do on behalf of listeners
and something we thought we'd mentioned here before the end
of the year for ESPN listeners to receive a tax
observations analysis from your friends here at vanderwealth dot com.
Speaker 2 (06:31):
Easiest way to do that then is go to banterwealth
dot com and then navigate the website to which location.
Speaker 3 (06:38):
Yeah, send us a note and then what we'll do
is send you a link to upload your tax returns securely.
That's most important, but I think that you'll be impressed
at the observations and the analysis that comes back from
a certified financial planning standpoint can help identify for listeners
some specific strategies or things that they can do before
(07:00):
the end of the year. And it's something that we
do on behalf of clients on a regular basis, and
we'd like to do it for listeners of the show.
Speaker 1 (07:07):
Love that.
Speaker 2 (07:08):
I'd love that you take care of our listeners. Another
thing here, you've talked about custom income notes every month.
What's the October edition looking like and why is it
a smart play right now?
Speaker 3 (07:20):
Yeah, this is one of our favorite strategies, something that
we do on a monthly basis on behalf of clients,
especially those that are looking for income and want to
have a little downside protection. It's not a direct investment
in the market, but we track a couple of large
industry leaders. For example, this month, we're tracking Nvidia, United
Healthcare and lily, and what it does is give us
(07:42):
some downside protection, either a thirty percent or fifty percent protection,
and as long as these underlying securities stay within those
barriers and those buffers, we get a monthly interest payment
and this one is annualized at twenty percent for a
fifteen month period of time, which means there's a total
opportunity of twenty five percent. The reason we like it
(08:04):
and do it on behalf of investors is we don't
know what the market's going to do tomorrow. Of course
it's at a high point, but this gives us some
downside buffers and some opportunities to win in the form
of receiving monthly cash TUPOMP payments as long as those
underlying securities, these large cap companies and industry leaders to
stay within this thirty percent and even a fifty percent buffer.
(08:26):
So one of our favorite types of investments. It's important
for investors to understand the risks associated with it, and
they can reach out to our office as well to
get more additional information about a band or custom income note.
So something fun that we've got set up and it'll
trade next week on the thirty first, right before the
end of the month.
Speaker 1 (08:44):
Love that.
Speaker 2 (08:45):
Head on over to batterwealthbatterwealth dot com and discover what
beatter wealth can do for you, especially at the end
of the year when it matters most. Blaine, always appreciate
our time together. Give me a score prediction really quick
BYU versus Iowa State. BYU is a two and a
half point dog. Okay heading into Ames Iowa. The over
(09:09):
under a set at forty nine and a half ESP
and Analytics gives BYU a fifty four percent chance of victory.
Do you think it's another one score game and BYU
comes out triumphant? Give me your thoughts. Yeah, I do.
Speaker 3 (09:24):
I've only heard about Ames and Iowa State in that environment,
but it sounds like it's going to be brutal and
one of our toughest ones of the year.
Speaker 1 (09:31):
So yeah, I do.
Speaker 3 (09:32):
I think it's another one one score game and outcome.
But our cardiac koog's have been coming in late in
the games. I love what's happening, and especially if Barret
can keep running like he is, I'll call it seventeen fourteen.
I think we'd be on the ender, but I'm expecting
it'll probably be a little cold. I don't know exactly
(09:53):
what the weather conditions are like. But I like another
close game seventeen to fourteen, of course, going with our
cardiac coots.
Speaker 2 (10:00):
Let's go Blaine Anderson, Ladies and gentlemen, NFLPA Certified Financial
Planner contact him today. Blaine, thanks so much for hopping on.
Speaker 3 (10:07):
Always a pleasure. Thanks guys.
Speaker 2 (10:09):
There you go. That's let's talk about stats. Brought to
you by betterwealthbatterwealth dot Com. Get on a free Q
and A no obligation to invest Q and A with
our tax more wealth Advisors today. You won't regret it.
Let's go to break, don't go anywhere more to get
to This is Cougar Sports one of three nine ninety
eight point three ESPN The Fan
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