Un Eff Your Finances Podcast Por Nicholas St. George arte de portada

Un Eff Your Finances

Un Eff Your Finances

De: Nicholas St. George
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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 Economía
Episodios
  • 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 m
  • 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 m
  • Helping Without Derailing Your Retirement

    Helping Without Derailing Your Retirement
    Aug 18 2025
    👮‍♂️ In the Retirement Unit, financially-motivated crimes against common sense are considered especially heinous… 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.
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    6 m
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