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Un Eff Your Finances

Un Eff Your Finances

著者: 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 経済学
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  • Volatility Isn’t the Enemy
    2025/06/30
    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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    1分未満
  • How Do I Balance Saving for my Kids and Retirement
    2025/06/16
    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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    1分未満
  • 3 Creative Ways to Teach Children About Money
    2025/06/09
    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 分

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