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PODCAST

Un Eff Your Finances

Nicholas St. George

Welcome to Un Eff Your Finances, where we don’t eff around and find out, we plan for the unexpected. Hosted by Nicholas St. George, founder of St. George Wealth Management, this show is designed for the busy professional who needs straightforward, honest advice on making the most of their finances. With a focus on retirement income planning, Nicholas covers a wide range of topics, from Roth conversions and tax questions to debunking financial myths and sharing real-life stories of what not to do

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All Episodes

5:14

Open Enrollment Pop Quiz – Episode 25

Un Eff Your Finances ·

2025/10/21

💼 Open Enrollment: The Annual Game of “Guess What These Benefits Actually Mean”Every fall, HR drops that mysterious email: “It’s time for open enrollment!” And suddenly, you’re scrolling through options that sound like they were written by a committee of lawyers and robots. ☠️ “High-Deductible Health Plan” sounds scary. 💰 “Health Savings Account” sounds like a trap. 💡 And “Flexible Spending Account”? Not flexible enough when you forget to use it by December. That’s where planning actually pays

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5:36

The Parent 529 Playbook: EP 24

Un Eff Your Finances ·

2025/09/16

The Parent 529 Playbook: How to Pull Money the Right Way (and What to Do with Leftovers)If you’re paying college bills with a 529, this is your 4-minute, no-nonsense guide. You’ll learn exactly when to take distributions, what actually qualifies, how to keep an audit-proof paper trail, and smart moves for leftover funds (yes, including the Roth IRA path). No fluff. No “my kid needed the laptop for Netflix.” What you’ll learn Timing rules: Match the 529 distribution to the expense in the same

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6:02

Retirement Red Zone EP. 23

Un Eff Your Finances ·

2025/09/02

Retirement Red Zone: The 20-Year Game Plan (From the 20 to the Goal Line) 🏈You can’t “cram” for retirement. That’s not a plan—that’s a Hail Mary with a flat football.In this video, I (Nick St. George, CFP®) lay out a clear, yard-by-yard blueprint from 20 years out to 24 months before retirement—so you’re not guessing at the goal line. What you’ll learn How to set your savings rate, kill high-interest debt, and build smart tax buckets (pre-tax, Roth, brokerage) When to use Roth strategies,

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5:38

Helping Without Derailing Your Retirement

Un Eff Your Finances ·

2025/08/18

👮‍♂️ In the Retirement Unit, financially-motivated crimes against common sense are considered especially heinous…These are their stories. DUN DUN. Hi, I’m Nick St. George, CFP®, and in today’s episode of Retirement & Order, we meet Rob and Jen Langston. (Not their real names, of course—the names and some details have been changed to protect the financially innocent.) They’re retired. Living the good life. Then BOOM 💥—curveball. One of their adult kids hits a financial snag. Rather than torch

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6:51

What to do with RSU’s

Un Eff Your Finances ·

2025/08/04

🎓💸 Got RSUs and college-bound kids? Then you might be playing a dangerous game of financial Jenga — and Uncle Sam is just waiting to topple your tower. In my latest video, I break down two real-life families navigating college costs, RSUs, and the ever-persistent tax goblin that shows up uninvited (and never brings snacks). 👨‍👩‍👦 The Daltons? College bills are now.👶 The Simmons? Planning way ahead.Different stages. Different strategies. One simple truth: planning always wins. And yes — in the

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6:25

5 Money Fights

Un Eff Your Finances ·

2025/07/28

We’ve all been there:🔹 Debating if your adult kids need another "loan" or just a reality check.🔹 Arguing about who inherits grandma’s prized casserole dish.🔹 Rolling your eyes at yet another Amazon box mysteriously appearing at your doorstep. Money fights happen. But they don’t have to turn your relationship into a Netflix drama. Here are 5 common money battles couples face—and how to fix them: 1️⃣ Supporting Adult Kids:They're adults, but somehow your payroll keeps growing. Time to draw some

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5:16

Retirement is About Experiences

Un Eff Your Finances ·

2025/07/14

🎬 If you believe retirement is just about having enough money, then you're missing the bigger picture.Sure, money matters, but retirement isn’t just numbers on a spreadsheet—it's about experiences. It's trading your morning commute for sunrise tee times, swapping endless meetings for endless adventures, and replacing your daily grind with checking off your bucket list. 🏌️‍♂️🌴⛵ Retirement is the freedom to choose how you spend your days—making memories, traveling, and finally taking the time to

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Volatility Isn’t the Enemy

Un Eff Your Finances ·

2025/06/30

Volatility Isn’t the Villain—Your Reaction Might Be⚠️ Breaking news: The market went down.🎉 Also breaking: It went back up. And down again. And… you get the idea. If market swings give you anxiety and make you want to cash out faster than a kid with birthday money at Target—this one's for you. Because here's the truth: Volatility isn’t the enemy. Panic is. 📉 The Market Is a Roller Coaster—Not a Death Trap Yes, it goes up and down. But like a roller coaster, unless you jump off mid-ride,

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How Do I Balance Saving for my Kids and Retirement

Un Eff Your Finances ·

2025/06/16

How to Save for Your Kids and Your Retirement (Without Losing Your Mind or Your Money)Let’s play a game:You’ve got one dollar. 🍼 Your kid wants to go to college (and preferably not be buried under student loan debt).🧓 You’d like to retire someday without eating cat food. So... who gets the dollar? Welcome to one of the most common—and emotional—financial dilemmas: Do I save for my kid’s future or secure my own retirement? Here’s the answer:👉 You can do both. You just need a strategy that doesn’t

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4:32

3 Creative Ways to Teach Children About Money

Un Eff Your Finances ·

2025/06/09

3 Creative Ways to Teach Your Kids About Money (Without Putting Them to Sleep)Let’s be honest: most kids think money just comes out of the wall. Or worse—“Can’t you just use the card?” If you’ve ever watched your child blow through their birthday cash like it’s Monopoly money, this post (and video 👇) is for you. We want to raise Game Changers and Wealth Builders—not future adults who learn the hard way that “0% interest for 12 months” is not free money. 1. Gamify the Basics Kids love games. So

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4:16

Real Talk – Kids, Money, and the News

Un Eff Your Finances ·

2025/06/02

💸 Your kid can explain Minecraft strategy in painstaking detail… But ask them what a Roth IRA is, and it’s 🦗🦗🦗. 📚 It’s time we taught our kids more than just how to swipe a debit card. In this episode of Un Eff Your Finances, I break down how to get your kids started with real-world money smarts—without boring them to tears (or making it feel like detention). 🙌 Let’s raise the first generation that actually understands compound interest before they sign for student loans.

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30:58

Navigating Market Pullbacks: What You Need to Know

Un Eff Your Finances ·

2025/05/19

What can market pullbacks teach us about investing?Tune into this round of Un Eff Your Finances, Nicholas St. George dives into the intricacies of market pullbacks. Buckle up as Nick unravels the chaos and gets to the heart of why these pullbacks aren't just unavoidable but can actually work in your favor! Nick discusses: (00:03:00) The normalcy of market pullbacks and how history shows they're nothing to fear (00:06:04) Strategies to use pullbacks to your advantage through smart planning

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35:21

Tax Planning Secrets

Un Eff Your Finances ·

2025/05/05

Could you be leaving money on the table when it comes to taxes?Nicholas St. George unravels the mysteries of effective tax planning. This episode is your lowdown on how proactive tax strategies can prevent unnecessary stress and ensure that Uncle Sam doesn’t get more than his fair share. With relatable humor and real-life examples, Nick dives into: (03:27) The importance of proactive tax planning and reassessing withholding and estimated payments (07:43) Maximizing contributions to

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34:31

Navigating Financial Challenges: Expert Tips for Busy...

Un Eff Your Finances ·

2025/03/27

What’s the secret sauce for building wealth while juggling life’s chaos? Nick St. George from St. George Wealth Management kicks off the latest episode of Un Eff Your Finances with an engaging discussion on the importance of a structured financial plan for busy executives and business owners. With a mix of humor and expertise, he … Read More Read More

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28:29

How to Choose the Right Financial Advisor: Essential...

Un Eff Your Finances ·

2025/03/13

What questions should you ask before entrusting your finances to an advisor? Dive into this episode where Nicholas St. George uncovers the essentials to choosing the perfect financial partner. Whether you’re a hotshot business owner or just getting started in the financial game, these insights will keep you on the straight and narrow. Nick breaks … Read More Read More

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32:50

Tackle Tax Season Like a Pro with Mark Carrison (Ep. 10)

Un Eff Your Finances ·

2025/02/27

Do you find yourself tangled in tax season chaos every year? You’re not alone! Dive into this episode for a laugh and some clarity! In this episode, Nicholas chats with his brother from another mother, Mark Carrison, a seasoned tax pro from Verdolino and Lowey. Prepare to unwind those tax-time worries and learn how to … Read More Read More

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34:16

Real Talk on Taxes with Anthony R. Ruffalo (Ep. 9)

Un Eff Your Finances ·

2025/02/13

Wondering how to navigate your tax forms this season without losing your cool—or your cash? Don’t worry, we’re here to break it down. In this episode, Nicholas St. George teams up with Anthony Ruffalo, a social media legend and financial advisor, to get real about taxes and smart financial planning. Join us for full transparency … Read More Read More

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31:37

Avoiding Financial Train Wrecks with Eric Woodraska...

Un Eff Your Finances ·

2025/01/30

Ever wonder why your retirement portfolio might resemble a messy clearance aisle at TJ Maxx? In this episode, Nick St. George sits down with Eric Woodraska, Client Portfolio Manager from Helios, a financial wizard who knows his way around a portfolio like no other! They dig into the good, the bad, and the downright “what … Read More Read More

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29:07

Small Steps to Big Financial Wins (Ep.7)

Un Eff Your Finances ·

2025/01/16

Want to make 2025 your most financially fit year yet? Discover how small tweaks can bring big wins to your wallet! This week on Un Eff Your Finance, Nicholas St. George explores practical steps to kickstart your financial goals for the new year. They dive into simple yet powerful habits that help busy individuals take … Read More Read More

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26:30

Crushing Retirement Risks: Making Your Money Last in...

Un Eff Your Finances ·

2025/01/02

Are you ready to navigate the unpredictable seas of retirement? What if your golden years could be generously funded and worry-free? In this episode, Nicholas tackles the burning question of how to make your money last in retirement amid rising inflation and longer lifespans. He addresses the realities of longevity risk, the importance of planning … Read More Read More

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26 results

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