Automate Savings – Un Eff Your Finances

Volatility Isn’t the Enemy

By Un Eff Your Finances | June 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

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More

3 Creative Ways to Teach Children About Money

By Un Eff Your Finances | June 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. 💪🐷💸

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More

Navigating Market Pullbacks: What You Need to Know

By Un Eff Your Finances | 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:

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More

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:

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More