Épisodes

  • What to do with RSU’s

    What to do with RSU’s
    Aug 4 2025
    🎓💸 Got RSUs and college-bound kids? 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
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    7 min
  • 5 Money Fights

    5 Money Fights
    Jul 28 2025
    We’ve all been there:🔹 Debating if your adult kids need another "loan" or just a reality check.🔹 Arguing about who inherits grandma’s prized casserole dish.🔹 Rolling your eyes at yet another Amazon box mysteriously appearing at your doorstep. 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.
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    6 min
  • Retirement is About Experiences

    Retirement is About Experiences
    Jul 14 2025
    🎬 If you believe retirement is just about having enough money, then you're missing the bigger picture. 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! 👇
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    5 min
  • Volatility Isn’t the Enemy

    Volatility Isn’t the Enemy
    Jun 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 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
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    Moins d'une minute
  • 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