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
Mark as Played
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.
I'm Nick St. George, certified financial planner. Let's
(00:45):
talk about something that's dominating the headlines and
maybe your headspace,
market volatility. It's uncomfortable. It's noisy. It makes
you wanna do something, anything. But here's the
truth. Volatility is not the enemy. It's not
a crisis. It's a feature of investing. And
if you ever thought this time feels worse
than usual, you're not alone. But let's take
a breath and look at what history, logic,
(01:07):
and real planning all have to say about
riding out that storm.
So here are three truths about volatility every
investor should know.
One, volatility is normal. We plan for this.
Markets never move in a straight line. That's
why we build financial plans that assume the
road will be bumpy.
Your plan is designed to handle ups and
downs, adjust risk to match your goals, and
(01:29):
protect your money from impulsive, fear driven decisions.
The biggest risk isn't the market. It's how
you react to it.
Panic moves feel good in the moment, but
they can cost you big in the long
run.
Now history tells the truth. Volatility always feels
worse in real time. Think about the dot
com crash, 02/2008,
(01:50):
even the COVID plunge in 2020. Each time,
it felt like the sky was falling. The
headlines were terrifying, people bailed out, and strategies
got second guessed. But in every case, the
market recovered,
then soared to new highs. And if you
bailed out during those drops, you likely missed
some of the best days in the market.
Those rebounds don't ring a bell before they
(02:10):
start.
That's why resilience and patience beat panic and
perfection
every time. Now a lot of people believe
cash is king, and that could be a
trap. When markets are rocky, cash starts to
look really appealing. It's steady. It feels safe.
But here's the thing. Inflation doesn't care about
your feelings.
Sitting in cash too long means your purchasing
power is quietly shrinking,
(02:31):
and market rebounds don't send you an invite.
Miss a few good days, it can wreck
your long term returns.
Your portfolio is built to endure volatility, not
avoid it. So while cash might feel safe
now, staying smartly invested is often the safer
move in the long run. Look. Feeling uneasy
is normal. These aren't easy environments to live
through, but that's exactly why we planned before
(02:52):
the panic. So if volatility has you second
guessing your strategy, let's talk. That's what I'm
here for. Click the link below to schedule
a strategy session. We'll revisit your plan, review
your risk, and make sure your portfolio still
supports your long term goals
even when the market feels like chaos.
Because investing isn't about reacting, it's about resilience.
(03:13):
The information covered and posted represents the views
and opinions of the guests and does not
necessarily represent the views or opinions of St.
George Wealth Management.
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 advisor
or other qualified financial service provider with any
(03:35):
questions you may have regarding your investment planning.
The opinions voiced in this podcast are for
general information only and are not intended to
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,
(03:57):
a registered investment advisor, member FINRA and SIPC.
Any guests in their company or companies are
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
(04:18):
strategies promoted will be successful.
All performance referenced is historical and is no
guarantee for future results.
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.
(04:40):
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.
I'm Nick St. George, certified financial planner. Let's
(00:45):
talk about something that's dominating the headlines and
maybe your headspace,
market volatility. It's uncomfortable. It's noisy. It makes
you wanna do something, anything. But here's the
truth. Volatility is not the enemy. It's not
a crisis. It's a feature of investing. And
if you ever thought this time feels worse
than usual, you're not alone. But let's take
a breath and look at what history, logic,
(01:07):
and real planning all have to say about
riding out that storm.
So here are three truths about volatility every
investor should know.
One, volatility is normal. We plan for this.
Markets never move in a straight line. That's
why we build financial plans that assume the
road will be bumpy.
Your plan is designed to handle ups and
downs, adjust risk to match your goals, and
(01:29):
protect your money from impulsive, fear driven decisions.
The biggest risk isn't the market. It's how
you react to it.
Panic moves feel good in the moment, but
they can cost you big in the long
run.
Now history tells the truth. Volatility always feels
worse in real time. Think about the dot
com crash, 02/2008,
(01:50):
even the COVID plunge in 2020. Each time,
it felt like the sky was falling. The
headlines were terrifying, people bailed out, and strategies
got second guessed. But in every case, the
market recovered,
then soared to new highs. And if you
bailed out during those drops, you likely missed
some of the best days in the market.
Those rebounds don't ring a bell before they
(02:10):
start.
That's why resilience and patience beat panic and
perfection
every time. Now a lot of people believe
cash is king, and that could be a
trap. When markets are rocky, cash starts to
look really appealing. It's steady. It feels safe.
But here's the thing. Inflation doesn't care about
your feelings.
Sitting in cash too long means your purchasing
power is quietly shrinking,
(02:31):
and market rebounds don't send you an invite.
Miss a few good days, it can wreck
your long term returns.
Your portfolio is built to endure volatility, not
avoid it. So while cash might feel safe
now, staying smartly invested is often the safer
move in the long run. Look. Feeling uneasy
is normal. These aren't easy environments to live
through, but that's exactly why we planned before
(02:52):
the panic. So if volatility has you second
guessing your strategy, let's talk. That's what I'm
here for. Click the link below to schedule
a strategy session. We'll revisit your plan, review
your risk, and make sure your portfolio still
supports your long term goals
even when the market feels like chaos.
Because investing isn't about reacting, it's about resilience.
(03:13):
The information covered and posted represents the views
and opinions of the guests and does not
necessarily represent the views or opinions of St.
George Wealth Management.
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 advisor
or other qualified financial service provider with any
(03:35):
questions you may have regarding your investment planning.
The opinions voiced in this podcast are for
general information only and are not intended to
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,
(03:57):
a registered investment advisor, member FINRA and SIPC.
Any guests in their company or companies are
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
(04:18):
strategies promoted will be successful.
All performance referenced is historical and is no
guarantee for future results.
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.
(04:40):
Investing involves risks, including possible loss of principal.
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