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.

Money fights happen. But they don’t have to turn your relationship into a Netflix drama.

Here are 5 common money battles couples face—and how to fix them:

1️⃣ Supporting Adult Kids:
They’re adults, but somehow your payroll keeps growing. Time to draw some boundaries before your home turns into a wildlife preserve (you know, “Don’t feed the animals,” right?).

2️⃣ Inheritance Drama:
Decide together who gets what before your kids decide with lawyers. (Spoiler alert: No one enjoys a family feud sequel).

3️⃣ Opposite Spending Styles:
Whether you’re the “budget wizard” or the “flash sale aficionado,” create space for BOTH styles. A little compromise = fewer glares at dinner.

4️⃣ Hidden Spending:
If you’re hiding packages or credit card statements, you’re not hiding money—you’re hiding trust issues. Pour some bourbon, and have the talk regularly. No judgment, just honesty.

5️⃣ Conflicting Goals:
Camper vs. 401(k)? Retirement vs. adventure? It’s not “either/or,” it’s “yes, and.” Dream together, plan together, thrive together.

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.

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 that can chip away at your nest egg. This episode is packed with humorous, yet brutally honest, insights to help you keep your financial future secure.

Nick discusses: 

• (01:22) Retirement Risks and How to Navigate Them
• (02:22) The Impact of Increased Life Expectancy
• (04:55) Balancing Enjoyment with Financial Security 
• (05:58) Healthcare and Housing Costs
• (09:27) Embracing Flexible Working During Retirement
• (13:53) The Reality of Inflation on Your Savings
• (19:15) The Importance of Emergency Planning and Communication
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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 mishaps and tips to steer clear of those financial train wrecks. Plus, it’s not all business – find out their bourbon favorites, because hey, life’s about balance, right?

Nicholas and Eric discuss: 

• (02:12) The risks of concentrating investments in one fund family and how diversification should really look  
• (06:28) A simple guide to understanding fund performance metrics, from flashy returns to actual sustainability 
• (13:45) How to avoid the ‘latest-and-greatest’ investment traps and stick to what’s proven 
• (22:01) The impact of risk tolerance on portfolio choices, especially during unpredictable markets 
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

Connect with Eric Woodraska:

• Helios
• LinkedIn: Eric Woodraska

These are their stories. DUN DUN.

Hi, I’m Nick St. George, CFP®, and in today’s episode of Retirement & Order, we meet Rob and Jen Langston. (Not their real names, of course—the names and some details have been changed to protect the financially innocent.)

They’re retired. Living the good life. Then BOOM 💥—curveball. One of their adult kids hits a financial snag.

Rather than torch their retirement plan with capital gains or mortgage stress, we got creative. No, not “hide your money in a coffee can” creative—strategic creative.

We used an asset-backed loan against their taxable investment account.
✅ No closing costs
✅ No tax returns or underwriting drama
✅ No capital gains
✅ No disruption to their portfolio

Just fast, flexible help—with structure, boundaries, and peace of mind.

🎯 Moral of the story: You can be generous without going broke.

If you’re in the same boat, don’t play financial detective solo. Book a quick call—let’s protect your retirement and your sanity.

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

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. 💪🐷💸

📚 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.

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.

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 tailored strategy. This episode introduces you to Nick’s unique approach to financial advising, combining honesty, humor, and a client-centric mindset to help you feel more confident and in control of your financial future.

This episode covers: 

• Nick’s journey from stock market games in Lincoln, Rhode Island to becoming a trusted financial advisor
• The importance of personalized financial plans over one-size-fits-all solutions
• Nick’s approach to demystifying complex financial concepts with humor and clear communication
• Real-world examples highlighting the significance of long-term financial planning
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

About Nicholas St. George: 

Nick is a North Carolina-based advisor who coordinates the financial affairs of a select group of families and individuals. With a background in compliance, he applies strong analytical skills and attention to detail to help clients identify risks and plan for their financial futures. His mission is to help clients achieve their personal and financial goals through comprehensive support, customized planning, and exceptional service.

Nick began his financial services career after earning a Finance degree from Bryant University. He holds several certifications, including Chartered Retirement Planning Counselor℠ (CRPC®), CERTIFIED FINANCIAL PLANNER™ (CFP®), and Certified Plan Fiduciary Advisor (CPFA).

Nick lives in Denver, NC, with his wife Kelly and their two children, Bo and Caroline. In his free time, he enjoys playing golf and hockey.

⚠️ 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 down. But like a roller coaster, unless you jump off mid-ride, you’ll end up back on solid ground. Investors who stay buckled in, even through the loops and dips, historically come out ahead.

🧠 The Cost of Freaking Out

Missing just a handful of the best market days can crush your long-term returns. And spoiler alert: those “best days” often come right after the worst ones. Selling out during chaos feels safe… until you realize you locked in your losses and missed the rebound party.

🛟 What Should You Do Instead?

• Stick to your plan.

• Don’t try to outsmart the headlines.

• And for the love of compounding interest—don’t turn your portfolio into a panic button.

🎙️ In the latest Real Talk audio, I break down exactly why staying invested matters, how volatility can actually be your friend (yep), and why your financial future deserves more than emotional decision-making.

Bottom line:
The market will swing. That’s its job.
Your job? Stay grounded. Stay invested. Stay smart.

Let’s un-eff your finances—one mindset shift at a time.

#UnEffYourFinances #VolatilityIsNormal #StayInvested #GameChangersAndWealthBuilders #RealTalkMoney #BehavioralFinance #LongTermWins

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

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.

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 watching your account balance every day – Nick shares the details with a blend of humor, real stories, and no-nonsense advice.

Nicholas discusses: 

• (01:19) Why lending money from your retirement savings to adult children might not be such a great idea
• (04:58) The pros and cons of checking your account balances too often
• (09:07) The importance of regular portfolio rebalancing
• (12:29) How comparing your investments to your friends and family’s can lead to trouble
• (17:07) Keeping emotions in check during market fluctuations

Feel the financial frenzy but want to keep it mellow? Tune in and start un-effing your finances today!

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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 you rethink panic selling. Think it’s all doom and gloom after the polls? It’s time to tune in and reconsider!

Nick discusses: 

• (02:01) Historical market returns under different political parties
• (06:21) The risks of market timing and emotional investing
• (15:47) The importance of sticking to your financial plan despite political shifts
• (22:56) Why elections shouldn’t dictate your investment strategy
• And more

With insights drawn from years of experience (and a little humor about Marvin the Martian!), this episode is your guide to navigating financial turbulence with ease.

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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-end planning, this episode lends a helping hand with a mix of humor and straightforward advice. It’s not about having a crystal ball, but it’s close!

Nicholas discusses: 

• (02:38) Maximizing retirement contributions and why a job switch could make it tricky
• (04:16) The scoop on capital gains and tax loss harvesting
• (07:30) How smart charitable contributions can save you on taxes while doing good
• (10:12) Why reviewing your budget and savings goals is a must, even when things are peachy
• (15:14) Updating estate plans so your assets go where you intend them to
• (20:32) How insurance coverage checkups can be as crucial as that fire extinguisher you’ve never used
• (23:23) Tackling tax liabilities head-on to prevent any unpleasant April surprises

Get ready to tick off your financial checklist with us – and remember, procrastination is your wallet’s worst enemy!

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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 goals, while still enjoying life, and how to find balance. 

Nicholas discusses: 

• Trimming the excess and save (02:16)
• Assigning a goal to your money (06:32)
• Strategies to avoid interest pitfalls (10:46)
• Setting and forget for future growth (13:52)
• Staying aligned with your financial goals (19:10)
• Finding a balance between saving and enjoying life (22:02)
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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

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)

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.

Nicholas and Anthony discuss: 

• (05:02) Deductible Dilemmas: Understanding what you can and can’t deduct
• (12:42) Tax Time Preparedness: Anthony shares practical advice on not getting blindsided by missing paperwork
• (15:11) Tax Loss Harvesting: Why selling a loss might be your new favorite strategy
• (26:54) RMDs and Tax Planning: Simplifying your taxes in retirement planning
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

Connect with Anthony R. Ruffalo:

• Ruffalo Wealth Management
• LinkedIn: Anthony Ruffalo
• anthony.ruffalo@lpl.com
• Phone: (980) 272-3903

About our Guest: 

Anthony R. Ruffalo is a CERTIFIED FINANCIAL PLANNER™ Practitioner. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold a CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, only 62,000 individuals have obtained CFP® certification in the United States.

Anthony holds the series 24, 7, 66 securities licenses through LPL Financial as well as Life, Health, Long Term Care, Medicare Supplement, and Annuity licensures.

Sure, money matters, but retirement isn’t just numbers on a spreadsheet—it’s about experiences. It’s trading your morning commute for sunrise tee times, swapping endless meetings for endless adventures, and replacing your daily grind with checking off your bucket list. 🏌️‍♂️🌴⛵

Retirement is the freedom to choose how you spend your days—making memories, traveling, and finally taking the time to truly enjoy what you’ve earned.

I’d love to hear what’s at the top of YOUR retirement bucket list. Skydiving? A month in Italy? Finally beating your personal best on the golf course?

👇 Share your dream retirement experience below! 👇

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.

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

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 how to avoid them, all while adding a healthy dose of humor and honesty.

Nicholas discusses:

• The story behind why the podcast is named “Un Eff Your Finances” 
• The financial mistakes even smart people make and how to avoid them
• Why a one-size-fits-all approach to finance is a recipe for disaster
• How personalized planning can save the day
• The importance of constant communication and trust in the advisor-client relationship
• And more

Connect with Nicholas St. George:

• St. George Wealth
• LinkedIn: Nicholas St. George
• Facebook: Nicholas St. George
• Phone: 828-481-8836

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:

1. (00:02:22) Strategic financial planning for busy professionals 
2. (00:04:20) The importance of starting retirement savings early 
3.  (00:06:13) Real-life investment missteps and successes
4. (00:12:27) Creating a flexible financial game plan 
5. (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

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

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 break down two real-life families navigating college costs, RSUs, and the ever-persistent tax goblin that shows up uninvited (and never brings snacks).

👨‍👩‍👦 The Daltons? College bills are now.
👶 The Simmons? Planning way ahead.
Different stages. Different strategies. One simple truth: planning always wins.

And yes — in the spirit of Law & Order — the stories are real, but the names have been changed to protect the innocent (and the occasionally tax-confused).

If you’ve got RSUs vesting and aren’t sure whether to sell, hold, or hide…
Watch this before you let the tax tail wag your financial dog.

📦 Bonus: I explain RSUs in plain English — no CPA required.

🎥 Watch the full video or catch the podcast version — your future self (and your accountant) will thank you.

#FinancialPlanning #RSUs #CollegePlanning #TaxStrategy #SmartMoneyMoves #FinancialAdvisor #HighIncomeFamilies #DunDun