January 2025 – Un Eff Your Finances

Avoiding Financial Train Wrecks with Eric Woodraska (Ep. 8)

By Un Eff Your Finances | January 30, 2025

Ever wonder why your retirement portfolio might resemble a messy clearance aisle at TJ Maxx?

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

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Connect with Eric Woodraska:

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Small Steps to Big Financial Wins (Ep.7)

By Un Eff Your Finances | January 16, 2025

Want to make 2025 your most financially fit year yet? Discover how small tweaks can bring big wins to your wallet!

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:

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Crushing Retirement Risks: Making Your Money Last in Retirement (Ep. 6)

By Un Eff Your Finances | January 2, 2025

Are you ready to navigate the unpredictable seas of retirement? What if your golden years could be generously funded and worry-free?

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:

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