June 2, 2025 • 4 mins
💸 Your kid can explain Minecraft strategy in painstaking detail…
But ask them what a Roth IRA is, and it’s 🦗🦗🦗.
📚 It’s time we taught our kids more than just how to swipe a debit card.
In this episode of Un Eff Your Finances, I break down how to get your kids started with real-world money smarts—without boring them to tears (or making it feel like detention).
🙌 Let’s raise the first generation that actually understands compound interest before they sign for student loans.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:03):
Welcome to Unf Your Finances with Nicholas Saint
George from Saint George Wealth Management.
This is the podcast where we help busy
professionals navigate the complexities of their finances,
making the most out of their hard earned
money. We don't f around and find out.
We plan for the unexpected
by breaking down complex topics with humor, honesty,
(00:23):
and stories.
Join us on this journey where we explore
the real truth about finance,
empowering you to understand and manage your money
better.
Nicholas draws from years of expertise and invites
guest experts to solve your financial challenges and
help you stay on track for retirement.
Hi. I'm Nick St. George, certified financial planner.
Let me ask you something. Has your kid
(00:45):
ever asked, why are groceries so expensive?
Or what does inflation even mean? Or maybe
the all time classic, are we poor?
Real talk. Kids are paying more attention than
we think. And between gas prices, layoffs, and
twenty four seven headlines, they're absorbing a lot.
So what do you say when they ask
those big money questions? That conversation can shape
how they think about money for the rest
(01:05):
of their lives.
Let's talk about how to handle it. So
start by asking, what made you ask that?
It shows that you're listening. It turns a
scary news headline into a safe conversation.
Most of the time, they don't want a
CNBC analyst.
They just wanna know it's okay to be
curious, and then it's safe to ask. Keep
it simple. Keep it reassuring. For younger kids,
(01:25):
try, Yes. Some things cost more right now,
but just like we save part of your
allowance, we've saved too. We've planned for this.
For teens, the message shifts a bit. The
economy has ups and downs, kinda like summer
jobs. One year you have one, the next
year you don't. That's why we plan ahead.
You're not sugarcoating. You're framing. So we're trying
to make it a teachable moment. This is
where you plant seeds. Talk about budgeting, how
(01:47):
it helps you stay in control even when
the world feels uncertain.
Talk about savings, not as restriction, but as
freedom and flexibility.
Talk about values, not just dollars. These small
lessons now, they become confidence later.
Model that calm behavior. Here's the truth. Your
kids are watching more than they are listening.
They see you calmly reading the news or
(02:07):
adjusting the budget without stress. They learn that
money isn't something to fear. It's something to
manage, and that's a life skill most adults
wish they had.
Let's make these conversations easier. The world won't
stop throwing headlines at us, but if we
can teach our kids to stay curious, calm,
and informed,
they'll be better equipped than most adults. If
you ever want help turning big money questions
into lifelong lessons, whether it's talking to your
(02:29):
kids or reviewing your own financial game plan,
that's exactly what I'm here for. Let's make
money less stressful for you and the next
generation.
Click the link below to schedule a time
to talk. Love to help your family grow,
not just wealth, but confidence.
The information covered and posted represents the views
and opinions of the guest and does not
necessarily represent the views or opinions of St.
George Wealth Management.
(02:50):
The content has been made available for informational
and educational purposes only. The content is not
intended to be a substitute for professional investing
advice.
Always seek the advice of your financial adviser
or other qualified financial service provider with any
questions you may have regarding your investment planning.
The opinions voiced in this podcast are for
general information only and are not intended to
(03:11):
provide specific advice or recommendations
for any individual.
To determine which strategies or investments may be
suitable for you, consult the appropriate qualified professional
prior to making a decision.
Securities and advisory services offered through LPL Financial,
a registered investment advisor, member FINRA, and SIPC.
Any guests in their company or companies are
(03:32):
not affiliated with or endorsed by LPL Financial
unless otherwise stated.
Individual tax and legal matters should be discussed
with your tax or legal professional.
Economic forecasts set forth may not develop as
predicted, and there can be no guarantee that
strategies promoted will be successful.
All performance referenced is historical and is no
guarantee for future results.
(03:53):
All indices are unmanaged and may not be
invested into directly.
There is no assurance that the techniques and
strategies discussed are suitable for all investors or
will yield positive outcomes.
The purchase of certain securities may be required
to affect some of the strategies.
Investing involves risks, including possible loss of principal.
Welcome to Unf Your Finances with Nicholas Saint
George from Saint George Wealth Management.
This is the podcast where we help busy
professionals navigate the complexities of their finances,
making the most out of their hard earned
money. We don't f around and find out.
We plan for the unexpected
by breaking down complex topics with humor, honesty,
(00:23):
and stories.
Join us on this journey where we explore
the real truth about finance,
empowering you to understand and manage your money
better.
Nicholas draws from years of expertise and invites
guest experts to solve your financial challenges and
help you stay on track for retirement.
Hi. I'm Nick St. George, certified financial planner.
Let me ask you something. Has your kid
(00:45):
ever asked, why are groceries so expensive?
Or what does inflation even mean? Or maybe
the all time classic, are we poor?
Real talk. Kids are paying more attention than
we think. And between gas prices, layoffs, and
twenty four seven headlines, they're absorbing a lot.
So what do you say when they ask
those big money questions? That conversation can shape
how they think about money for the rest
(01:05):
of their lives.
Let's talk about how to handle it. So
start by asking, what made you ask that?
It shows that you're listening. It turns a
scary news headline into a safe conversation.
Most of the time, they don't want a
CNBC analyst.
They just wanna know it's okay to be
curious, and then it's safe to ask. Keep
it simple. Keep it reassuring. For younger kids,
(01:25):
try, Yes. Some things cost more right now,
but just like we save part of your
allowance, we've saved too. We've planned for this.
For teens, the message shifts a bit. The
economy has ups and downs, kinda like summer
jobs. One year you have one, the next
year you don't. That's why we plan ahead.
You're not sugarcoating. You're framing. So we're trying
to make it a teachable moment. This is
where you plant seeds. Talk about budgeting, how
(01:47):
it helps you stay in control even when
the world feels uncertain.
Talk about savings, not as restriction, but as
freedom and flexibility.
Talk about values, not just dollars. These small
lessons now, they become confidence later.
Model that calm behavior. Here's the truth. Your
kids are watching more than they are listening.
They see you calmly reading the news or
(02:07):
adjusting the budget without stress. They learn that
money isn't something to fear. It's something to
manage, and that's a life skill most adults
wish they had.
Let's make these conversations easier. The world won't
stop throwing headlines at us, but if we
can teach our kids to stay curious, calm,
and informed,
they'll be better equipped than most adults. If
you ever want help turning big money questions
into lifelong lessons, whether it's talking to your
(02:29):
kids or reviewing your own financial game plan,
that's exactly what I'm here for. Let's make
money less stressful for you and the next
generation.
Click the link below to schedule a time
to talk. Love to help your family grow,
not just wealth, but confidence.
The information covered and posted represents the views
and opinions of the guest and does not
necessarily represent the views or opinions of St.
George Wealth Management.
(02:50):
The content has been made available for informational
and educational purposes only. The content is not
intended to be a substitute for professional investing
advice.
Always seek the advice of your financial adviser
or other qualified financial service provider with any
questions you may have regarding your investment planning.
The opinions voiced in this podcast are for
general information only and are not intended to
(03:11):
provide specific advice or recommendations
for any individual.
To determine which strategies or investments may be
suitable for you, consult the appropriate qualified professional
prior to making a decision.
Securities and advisory services offered through LPL Financial,
a registered investment advisor, member FINRA, and SIPC.
Any guests in their company or companies are
(03:32):
not affiliated with or endorsed by LPL Financial
unless otherwise stated.
Individual tax and legal matters should be discussed
with your tax or legal professional.
Economic forecasts set forth may not develop as
predicted, and there can be no guarantee that
strategies promoted will be successful.
All performance referenced is historical and is no
guarantee for future results.
(03:53):
All indices are unmanaged and may not be
invested into directly.
There is no assurance that the techniques and
strategies discussed are suitable for all investors or
will yield positive outcomes.
The purchase of certain securities may be required
to affect some of the strategies.
Investing involves risks, including possible loss of principal.
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