Épisodes

  • How Do I Balance Saving for my Kids and Retirement

    How Do I Balance Saving for my Kids and Retirement
    Jun 16 2025
    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 come from the back of a cereal box. 1. Secure Your Oxygen Mask First You know the airplane analogy—and it’s true. If you’re not okay financially, your kid’s future isn’t either. Prioritize building your retirement foundation first. Your kids can get scholarships, part-time jobs, or choose a more affordable school. But there’s no financial aid for retirement (unless your kid becomes a billionaire and returns the favor). 2. Automate Both Goals (Even If It's Uneven) Don’t overthink perfection. Set up automatic contributions to your retirement and a 529 or custodial account for your child. Even small, consistent contributions compound over time—and you won’t have to decide which goal wins every month. You’re funding the future on autopilot. 3. Don’t Guilt-Trip Yourself This isn’t a competition of love. Choosing to prioritize your long-term stability doesn’t mean you don’t care about your kids. It means you want to avoid becoming a financial burden on them later. (And let’s be honest—they’re already going to blame you for something, might as well not add “financial stress” to the list.) 🎙️ Give the full audio a listen—I unpack this balancing act with a dose of real talk, some strategy, and a little humor (because let’s face it, finances can be stressful enough without sounding like a spreadsheet). Remember:💡 You’re not choosing between your future and theirs.You’re building a plan where everyone wins. Let’s un-eff your finances—one smart move at a time. #ParentMoneyMoves #UnEffYourFinances #GameChangersAndWealthBuilders #RetirementPlanning #CollegeSavings #RealTalkMoney
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    Moins d'une minute
  • 3 Creative Ways to Teach Children About Money

    3 Creative Ways to Teach Children About Money
    Jun 9 2025
    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 make saving and budgeting one. Set up a “family bank” where they earn interest on savings. Match their savings like a 401(k) for chores. Let them “invest” in snack stocks—buy Goldfish at 10 cents today, sell at 15 cents next week. Suddenly, compound interest is cooler than Roblox coins. 2. Use Real-Life Scenarios (a.k.a. Don’t Be Boring) Skip the PowerPoint presentation. Teach money in the wild: Grocery shopping? Show them unit pricing. Eating out? Let them help calculate the tip. Road trip? Hand them a gas budget and let them play CFO. They’ll absorb way more from hands-on money moments than any lecture. 3. Give Them Control—And Let Them Mess Up Yep, you read that right. Let. Them. Blow. It. Nothing drives home the value of money like watching $20 vanish in a flash on the worst claw machine in America. It's a lesson in budgeting, buyer’s remorse, and decision-making all in one go. You’re not raising perfection. You’re raising confidence. And confidence comes from experience—even the oops kind. 🎥 Watch the full video for more tips and a few laughs along the way. I’ll show you how to plant the seeds for financial literacy that actually stick. Because let’s face it—your kid knows 84 YouTubers by name. It’s time they learn who Warren Buffett is, too. Ready to raise a money-smart kid (and maybe brush up on your own skills too)?Let’s un-eff the next generation’s finances, one piggy bank at a time. 💪🐷💸
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    5 min
  • Real Talk – Kids, Money, and the News

    Real Talk – Kids, Money, and the News
    Jun 2 2025
    💸 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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    4 min
  • Navigating Market Pullbacks: What You Need to Know

    Navigating Market Pullbacks: What You Need to Know
    May 19 2025
    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 (00:08:16). Keeping emotions in check during volatile times and sticking to your plan (00:14:3) The impact of inflation on spending power and why long-term growth is vital (00:25:20) The importance of having a solid and adaptable financial plan in place Connect with Nicholas St. George: George Wealth LinkedIn: Nicholas St. George Facebook: Nicholas St. George Phone: 828-481-8836
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    31 min
  • Tax Planning Secrets

    Tax Planning Secrets
    May 5 2025
    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 tax-advantaged accounts to boost your financial health (11:52)Strategies for a smart portfolio rebalance and the importance of understanding tax efficiency (23:02) The nitty-gritty of keeping track of new tax changes to stay ahead (25:55)Why filing an extension isn’t the end of the world, but an opportunity for better planning Resources: Holistiplan Connect with Nicholas St. George: St George Wealth LinkedIn: Nicholas St. George Facebook: Nicholas St. George Phone: 828-481-8836
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    35 min
  • Navigating Financial Challenges: Expert Tips for Busy Professionals (Ep. 12)

    Navigating Financial Challenges: Expert Tips for Busy Professionals (Ep. 12)
    Mar 27 2025
    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 breaks down why starting early is key, the risks of an unstructured approach, and how failing to plan is essentially planning to fail. This episode dives into the mindset of strategic achievers—those who are too busy to manage every financial detail but want their money to work just as hard as they do. Nicholas discusses: (00:02:22) Strategic financial planning for busy professionals (00:04:20) The importance of starting retirement savings early (00:06:13) Real-life investment missteps and successes (00:12:27) Creating a flexible financial game plan (00:20:03) The role of a financial advisor in managing emotions and legacy planning Connect with Nicholas St. George: St. George Wealth LinkedIn: Nicholas St. George Facebook: Nicholas St. George Phone: 828-481-8836
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    35 min
  • How to Choose the Right Financial Advisor: Essential Questions (Ep. 11)

    How to Choose the Right Financial Advisor: Essential Questions (Ep. 11)
    Mar 13 2025
    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 it down with humor and honesty, so you don't end up with regrets. This installment of Un Eff Your Finances highlights: (04:36) What is a fiduciary? (06:05) How advisors get paid and why it matters (11:09) Why knowing your advisor's qualifications upfront saves headaches (12:06) The real deal on financial planning licenses (15:14) A philosophy that stands the test of financial time Connect with Nicholas St. George: St. George Wealth LinkedIn: Nicholas St. George Facebook: Nicholas St. George Phone: 828-481-8836
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    28 min
  • Tackle Tax Season Like a Pro with Mark Carrison (Ep. 10)

    Tackle Tax Season Like a Pro with Mark Carrison (Ep. 10)
    Feb 27 2025
    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 save the bucks you’ve been unknowingly sacrificing to Uncle Sam. Grab your headphones as Nick and Mark highlight common mistakes, from last-minute filing frenzies to the myths about tax refunds, and unravel how proactive planning can save you from pulling your hair out come March! Mark and Nick discuss: (02:48) Top three tax mistakes - procrastination, reactive planning, and poor communication (06:36) Differences between tax deductions and credits and why mixing them up can cost you (13:26) The importance of building a team of trusted advisors for holistic financial well-being (21:59) Creative gifting strategies for leaving a meaningful legacy while optimizing your taxes (22:40) The value of real-time tax planning over delayed fixes and how “Google” isn’t your perfect tax advisor And more Connect with Nicholas St. George: St. George Wealth LinkedIn: Nicholas St. George Facebook: Nicholas St. George Phone: 828-481-8836 Connect with Mark Carrison: Verdolino & Lowey P.C. LinkedIn: Mark Carrison mcarrison@vlpc.com About our Guest: Mark Carrison is a Tax Supervisor for Verdolino & Lowey, P.C. Mark joined the firm in January 2020 and has more than 15 years of public accounting experience. Mark provides accounting and advisory services in tax, accounting, financial reporting, and consulting services for individuals, privately held companies, and trusts. Mark is a member of the Rhode Island Society of Certified Public Accountants and Association of Certified Fraud Examiners. He has had active roles on numerous not-for-profit boards in Rhode Island and Massachusetts including Treasurer and Board of Director of the Audubon Society of Rhode Island, Boy Scouts of America, and Rhode Island Wild Plant Society. Mark received a Bachelor of Science degree from Bryant University and a Master of Business Administration degree from Saint Leo University in Accounting with a Fraud Examination concentration.
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    33 min