Un Eff Your Finances
by Nicholas St. George
Latest episode
8 Things to Review Before December 31st (Year-End Planning Checklist)
8 Things to Review Before December 31st (Year-End Planning Checklist)
About this podcast
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. Known for his ability to explain complex topics in a way that anyone can understand, Nicholas ensures that each episode leaves you feeling empowered and informed. Whether you’re driving to work, hitting the gym, or just taking a break, Un Eff Your Finances is here to make finance fun and accessible. Join us for a dose of humor, storytelling, and practical tips that will help you take control of your financial future.
Episodes
The newest 20 of 33 episodes
- 8 Things to Review Before December 31st (Year-End Planning Checklist) · 29 min · Season 2 Episode 6Tax planning happens now. Tax prep happens in April. And unless you've got a DeLorean that hits 88 mph, there's nothing you can change in February. Most people think year-end…
- Planning, People, AI & One Very Loud Hole-in-One · 38 min · Season 2 Episode 5What does financial advising actually look like when you get beyond investments, charts and market predictions? In this episode of Un‑Eff Your Finances, Nick sits down with…
- The Tax Trap Before RMDs Why Paying Less This Year Can Cost You More Later · 29 min · Season 2 Episode 3Most retirees are asking the wrong tax question. They ask, “How do I pay less this year?” But the better question is, “How do I pay less over the next 10 years?” In this episode…
- The 5 Questions I Ask Every New Client Before We Do Anything Else · 5 min · Season 2 Episode 3Before I ever recommend an investment, I ask five questions. Not about stocks. Not about the market. Not about what your neighbor is buying. Because great retirement planning has…
- The Tax Move Most W-2 Employees Are Missing in Their 40s and 50s · 5 min · Season 2 Episode 2Most high-income W-2 employees are doing exactly what they were told to do: Max out the 401(k). Save aggressively. Keep building. The problem? Almost nobody is showing them what…
- Why I Only Work With People Who Haven’t Retired Yet · 6 min · Season 2 Episode 1You don’t mess up retirement at 65… You lock in the mistakes at 45. In this episode, I break down why I focus on the Retirement Red Zone—the 10–20 years before you retire—and why…
- Fall Money Fire Drill Episode #26 · 5 min · Episode 26🔥 Fall Money Fire Drill: Time to Un-Eff Your Finances 🍁💸 It’s that time again — the leaves are falling, pumpkin spice is attacking everything, and your money might be feeling a…
- Open Enrollment Pop Quiz – Episode 25 · 5 min · Episode 25💼 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…
- The Parent 529 Playbook: EP 24 · 6 min · Episode 24The 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…
- Retirement Red Zone EP. 23 · 6 min · Episode 23Retirement 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…
- Helping Without Derailing Your Retirement · 6 min · Episode 22👮♂️ 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…
- What to do with RSU’s · 7 min · Episode 21🎓💸 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…
- 5 Money Fights · 6 min · Episode 20We’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…
- Retirement is About Experiences · 5 min · Episode 19🎬 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…
- Volatility Isn’t the EnemyVolatility 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…
- How Do I Balance Saving for my Kids and RetirementHow 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…
- 3 Creative Ways to Teach Children About Money · 5 min3 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…
- Real Talk – Kids, Money, and the News · 4 min💸 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…
- Navigating Market Pullbacks: What You Need to Know · 31 minWhat 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…
- Tax Planning Secrets · 35 minCould 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…
