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Un Eff Your Finances

Un Eff Your Finances

Auteur(s): Nicholas St. George
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À propos de cet audio

 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.Copyright ©️ Un Eff Your Finances 2024 Économie
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  • Fall Money Fire Drill Episode #26

    Fall Money Fire Drill Episode #26
    Nov 11 2025
    🔥 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 little... crispy around the edges. So here’s your 5-step Fall Money Fire Drill to go from Hot Mess Express to Game Day Ready: 1️⃣ Cash-Flow Reset – Give your money a job. Bills. Buffer. Goals. (No freeloaders allowed.)2️⃣ Subscription Sweep – Those “free trials” that grew into $14.99 zombies? Time to cancel ’em.3️⃣ Debt & Rate Reality Check – Anything over 7% interest is your enemy. Choose your weapon: Avalanche or Snowball.4️⃣ Safety Nets You’ll Actually Use – Beneficiaries, insurance, credit freeze, digital vault. Do it before Netflix asks if you’re still watching.5️⃣ Tax Moves Now, Not December – 401(k) match, HSA, Roth check, and maybe a DAF play if you’re feeling generous and strategic. 💥 Run this checklist and your finances go from chaos to calm — no New Year’s resolutions required. 👇 Comment “CHECKLIST” and I’ll send you the full Un-Eff Your Finances: Fall Money Fire Drill guide.
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    5 min
  • The Parent 529 Playbook: EP 24

    The Parent 529 Playbook: EP 24
    Sep 16 2025
    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 calendar year Qualified expenses: Tuition, required fees, on-campus room & board, school-billed meal plans, required books/software Off-campus housing: Eligible up to the school’s published allowance Two clean payment paths: 529 → school (simplest) or reimburse yourself (with prompt, documented receipts) Paper trail that won’t crack under audit: Bills, confirmations, housing docs, receipts, 1098-T, and a simple spreadsheet log Leftovers: Change beneficiaries, use for grad/trade programs, scholarship exception, and the 529 → Roth IRA strategy (within rules) Pro tip: Coordinate grandparent-owned 529s to avoid financial-aid landmines
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    6 min
  • Retirement Red Zone EP. 23

    Retirement Red Zone EP. 23
    Sep 2 2025
    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, avoid concentration risk, and optimize benefits (HSA, ESPP, deferred comp) How to defend against sequence-of-returns risk and start income design early (pensions, RSUs, options) Why Social Security timing (62 vs. FRA vs. 70) is a math problem, not a vibe The 5-to-2-year “two-minute drill”: targeted Roth conversions, Medicare/IRMAA planning, mock paychecks The final 24-month checklist: cash reserves, withdrawal guardrails, paperwork order—so Day One feels boring (which is beautiful)
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    6 min
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