Un Eff Your Finances
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
June 30, 2025
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...
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June 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...
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June 9, 2025 • 4 mins
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 mo...
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June 2, 2025 • 4 mins
💸 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 comp...
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May 19, 2025 • 30 mins
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) St...
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May 5, 2025 • 35 mins
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 withholdin...
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March 27, 2025 • 34 mins
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 ...
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March 13, 2025 • 28 mins
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...
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February 27, 2025 • 32 mins
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 c...
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February 13, 2025 • 34 mins
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 and a few good laughs as Nicholas and Anthony help un-eff your finances just in time for tax season.
N...
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January 30, 2025 • 31 mins
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 were they thinking" moments of investment management. This conversation is brimming with real-life portfolio mi...
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January 16, 2025 • 29 mins
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 control of their finances without feeling overwhelmed. Nick shares his advice on how you can reach your financial ...
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January 2, 2025 • 25 mins
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 for healthcare and housing in retirement, and the often-overlooked inflation factor ...
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December 19, 2024 • 33 mins
What does it mean to root for the pilot in the world of finance and elections? Dive into today's conversation to find out why staying the course is essential, no matter who's at the political helm.
In this episode, Nicholas St. George talks about how election outcomes really impact your finances. He dives into the numbers behind red and blue administrations, revealing some surprising insights on market returns that might just make...
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December 5, 2024 • 25 mins
How can you keep your cool when financial chaos hits? Tune into this episode where Nicholas St. George dives into the financial blunders you didn’t know you were making and how to fix them with simple, practical advice.
In this episode, Nicholas tackles some of the common financial mistakes people face when managing their money and how to sidestep them. From the pitfall of lending retirement money to grown-up kids to the trap of w...
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November 21, 2024 • 31 mins
What if December 31st is knocking at your door, and suddenly you realize you haven't checked off your financial to-do list? Don't worry; we've got you covered! Tune into this episode of Un Eff Your Finances with Nicholas St. George as we break down the essentials of year-end planning.
In this episode, Nicholas covers everything you need to know about smoothing out your financial journey before the year closes. With a focus on year...
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November 7, 2024 • 30 mins
"Un Eff Your Finances" is not just a catchy name; it's a mission to rescue your money from chaos with personalized, professional advice.
In this episode, Nicholas St. George dives into the story behind the name of the podcast, sharing a personal anecdote about the trials and tribulations of naming things. Nick also breaks down the importance of tailored financial planning and shares real-world examples of financial "eff-ups" and h...
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November 7, 2024 • 37 mins
A childhood fascination with GI Joe and Madden NFL could shape a financial advisor's career; who knew?
In this premier episode of Un Eff Your Finances, host Nicholas St. George takes us on his journey from a young stock market enthusiast to a seasoned financial advisor dedicated to demystifying finance for hardworking professionals. Nick shares personal anecdotes, his passion for financial planning, and the importance of having a ...
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October 4, 2024 • 44 secs
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 debu...
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