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.
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’t
Why financial advising is a people business
Using AI as a tool without letting it do your thinking
Investing versus chasing social-media trading hype
The entrepreneurial reality of building an advisory practice
Why experience and real client conversations matter
Ryan’s promotion from summer intern to Director of Golf
The very loud hole-in-one that capped off an unforgettable summer
It’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.
27 Jul 2026
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
1 Jun 2026
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 them
Where their retirement income will actually come from
The tax risks hiding inside their current accounts
What happens if life doesn’t go according to plan
What they’re truly optimizing for: lifestyle, legacy, flexibility, or something else
This 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.
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
Apple Podcasts (US)
5.0 / 5
3 ratings
Spotify
5.0 / 5
3 ratings
Podcast Authority Score: 40 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
66
Social presence
0
YouTube
0
Engagement
32
Contact Un Eff Your Finances
Guest appearances
Books guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Questions about Un Eff Your Finances
Who hosts Un Eff Your Finances?
Nicholas St. George host the show. Published by Nicholas St. George.
How often do new episodes come out?
The show publishes bi-weekly, based on its RSS feed.
Does Un Eff Your Finances take guests?
Yes. Guests have been identified in episode analyses.
Host of Un Eff Your Finances?
Claim your podcast to manage its listing and keep your show details accurate.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
