Category: red zone
Fall Money Fire Drill Episode #26

Fall Money Fire Drill Episode #26

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🔥 Fall Money Fire Drill: Time to Un-Eff Your Finances 🍁💸

It’s that time again — the leaves are falling, pumpkin spice is attacking everything, and your money might be feeling a little… crispy around the edges.

So here’s your 5-step Fall Money Fire Drill to go from Hot Mess Express to Game Day Ready:

1️⃣ Cash-Flow Reset – Give your money a job. Bills. Buffer. Goals. (No freeloaders allowed.)
2️⃣ Subscription Sweep – Those “free trials” that grew into $14.99 zombies? Time to cancel ’em.
3️⃣ Debt & Rate Reality Check – Anything over 7% interest is your enemy. Choose your weapon: Avalanche or Snowball.
4️⃣ Safety Nets You’ll Actually Use – Beneficiaries, insurance, credit freeze, digital vault. Do it before Netflix asks if you’re still watching.
5️⃣ Tax Moves Now, Not December – 401(k) match, HSA, Roth check, and maybe a DAF play if you’re feeling generous and strategic.

💥 Run this checklist and your finances go from chaos to calm — no New Year’s resolutions required.

👇 Comment “CHECKLIST” and I’ll send you the full Un-Eff Your Finances: Fall Money Fire Drill guide.

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Retirement Red Zone EP. 23

Retirement Red Zone EP. 23

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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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Nicholas St George, CFPÂŽ, CRPCÂŽ, CPFA Direct 828-481-8836

www.stgeorgewealth.com

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. For hyperlinks to FINRA and SIPC, please refer to links section.

The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

SIPC https://www.sipc.org/

FINRA https://www.finra.org/#/

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