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. 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.

  1. 1d ago

    8 Things to Review Before December 31st (Year-End Planning Checklist)

    Tax 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 means checking how their portfolio did. In this episode of Un Eff Your Finances, Nick St. George, CFP®, explains why your portfolio may be the least important thing on the list, and walks through the 8 things to review before December 31st, while you still have time to act. In this episode: 1. Taxes: What can you still change? Roth conversions, capital gains and losses, charitable giving, income timing, and why minimizing this year's taxes can make your RMD years more expensive. 2. Employer benefits: Stop clicking "same as last year." 401(k) auto-escalators, Roth vs. pre-tax, HSAs, health plans, disability, and group life coverage. 3. Life insurance: Does it still solve the same problem? A back-of-the-napkin way to size your insurable risk, and why insurance is a fire extinguisher, not an investment. 4. Estate planning and beneficiaries: Why "all my children" is a bad beneficiary designation, how TOD and POD work, and why your family needs to know where the documents are. 5. Kids, grandkids, and education: Helping adult kids without compromising your retirement (nobody gives you a loan for retirement), plus what 529s can be used for now. 6. Cash flow and retirement readiness: Using AI to find out what you actually spend. Hint: it's probably 20-30% more than you think. 7. Outlook: Plan for uncertainty instead of trying to predict it. Nobody had a pandemic on their 2020 bingo card. 8. The portfolio: Does it support your plan? The plan should drive the portfolio, not the other way around. Your year-end review shouldn't just answer "How did my investments do?" It should answer a bigger question: "Am I making the right financial decisions while I still have time to make them?" Don't eff around and find out with your retirement plan. Book your year-end review before Thanksgiving turns into January. 📅 Schedule a conversation: https://oncehub.com/NICKSTGEORGE 📧 Want Nick's AI spending-analysis prompt? Email: nick@stgeorgewealth.com #YearEndPlanning #TaxPlanning #RetirementPlanning #RothConversion #FinancialPlanning #UnEffYourFinances Nicholas St. George is a Registered Representative with, and securities and advisory services offered through, LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. This material is for general educational purposes only and is not individualized tax, legal, or investment advice. Please consult your tax and legal professionals regarding your specific situation. Past performance is no guarantee of future results.

  2. Sep 8

    Planning, People, AI & One Very Loud Hole-in-One

    What 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 summer intern Ryan Dunn, an All-American golfer and senior at Oglethorpe University to unpack what Ryan learned during his firsthand look at the financial-planning profession. They discuss why every financial plan has to be personal, the importance of understanding the person behind the portfolio, and why an advisor’s real job often comes down to answering one question: “Am I going to be okay?” They also get into: What college teaches about finance—and what it doesn’tWhy financial advising is a people businessUsing AI as a tool without letting it do your thinkingInvesting versus chasing social-media trading hypeThe entrepreneurial reality of building an advisory practiceWhy experience and real client conversations matterRyan’s promotion from summer intern to Director of GolfThe very loud hole-in-one that capped off an unforgettable summerIt’s a candid conversation about planning, people, technology, career lessons and golf—with just enough questionable HR material to keep things interesting. Subscribe to Un‑Eff Your Finances for practical conversations about retirement, taxes, investing and making smarter financial decisions without all the unnecessary financial-industry nonsense.

    Planning, People, AI & One Very Loud Hole-in-One

  3. Jul 27

    The Tax Trap Before RMDs Why Paying Less This Year Can Cost You More Later

    Most 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, I break down the tax trap that can happen before RMDs begin — when retirees avoid taking IRA withdrawals or doing Roth conversions during low-income years, only to face bigger forced withdrawals, higher taxable income, possible IRMAA Medicare surcharges, and rising living costs later. We’ll cover: • What RMDs actually are and why they matter • How IRMAA can quietly increase Medicare premiums • Why inflation makes tax planning even more important • How Roth conversions may help before RMD age • Why withdrawal sequencing can make or break a retirement income plan • The danger of planning around one tax return instead of the next decade The goal is not to pay more tax. The goal is to pay tax in the right years, at the right rate, with the most control. Because the cheapest tax year is not always the smartest tax plan. Listen now: The Tax Trap Before RMDs: Why Paying Less This Year Can Cost You More Later

  4. Jun 1

    The 5 Questions I Ask Every New Client Before We Do Anything Else

    Before 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 very little to do with chasing returns—and everything to do with building a strategy around your actual life. In this episode, I walk through the five questions I ask every new client to uncover: What “work optional” really looks like for themWhere their retirement income will actually come fromThe tax risks hiding inside their current accountsWhat happens if life doesn’t go according to planWhat they’re truly optimizing for: lifestyle, legacy, flexibility, or something elseThis episode pulls back the curtain on how I work, how real financial planning should feel, and why a portfolio alone is not a retirement plan. If you can’t clearly answer these five questions… you may be guessing more than you think.

  5. May 18

    The Tax Move Most W-2 Employees Are Missing in Their 40s and 50s

    Most 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 happens later. In this episode, I break down one of the most overlooked tax strategies I see with professionals in their 40s and 50s—and why waiting too long to address it can create a massive tax problem in retirement. We cover: Why “tax deferred” doesn’t always mean “tax efficient”The hidden future risk of large pre-tax retirement accountsHow backdoor Roth strategies workWhy Roth conversion planning matters before RMDs beginThe difference between tax preparation and actual tax planningIf you’re building wealth but haven’t thought about what your tax bracket could look like at 70… this episode is for you. Because retirement planning isn’t just about growing your money. It’s about keeping more of it.

  6. May 1

    Why I Only Work With People Who Haven’t Retired Yet

    You 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 that’s where the biggest financial decisions actually get made.

  7. 11/11/2025

    Fall Money Fire Drill 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 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.

  8. 10/21/2025

    Open Enrollment Pop Quiz – 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 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 off. In this week’s video, I break down how to make smart benefit elections that fit your financial plan, not just your employer’s brochure. Because open enrollment shouldn’t feel like a pop quiz you didn’t study for.

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Ratings & Reviews

5
out of 5
3 Ratings

About

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.

Information

  • Creator
    Nicholas St. George
  • Years Active
    2024 - 2026
  • Episodes
    33
  • Rating
    Explicit
  • Copyright
    © 2026 Nicholas St. George
  • Show Website
    Un Eff Your Finances