You don’t mess up retirement at 65…
You lock in the mistakes at 45.

In this episode, I break down why I focus on the Retirement Red Zone—the 10–20 years before you retire—and why that’s where the biggest financial decisions actually get made.

We’ve all been there:
🔹 Debating if your adult kids need another “loan” or just a reality check.
🔹 Arguing about who inherits grandma’s prized casserole dish.
🔹 Rolling your eyes at yet another Amazon box mysteriously appearing at your doorstep.

Money fights happen. But they don’t have to turn your relationship into a Netflix drama.

Here are 5 common money battles couples face—and how to fix them:

1️⃣ Supporting Adult Kids:
They’re adults, but somehow your payroll keeps growing. Time to draw some boundaries before your home turns into a wildlife preserve (you know, “Don’t feed the animals,” right?).

2️⃣ Inheritance Drama:
Decide together who gets what before your kids decide with lawyers. (Spoiler alert: No one enjoys a family feud sequel).

3️⃣ Opposite Spending Styles:
Whether you’re the “budget wizard” or the “flash sale aficionado,” create space for BOTH styles. A little compromise = fewer glares at dinner.

4️⃣ Hidden Spending:
If you’re hiding packages or credit card statements, you’re not hiding money—you’re hiding trust issues. Pour some bourbon, and have the talk regularly. No judgment, just honesty.

5️⃣ Conflicting Goals:
Camper vs. 401(k)? Retirement vs. adventure? It’s not “either/or,” it’s “yes, and.” Dream together, plan together, thrive together.

Welcome to Un Eff Your Finances, where we don’t eff around and find out, we plan for the unexpected. Hosted by Nicholas St. George, founder of St. George Wealth Management, this show is designed for the busy professional who needs straightforward, honest advice on making the most of their finances.

With a focus on retirement income planning, Nicholas covers a wide range of topics, from Roth conversions and tax questions to debunking financial myths and sharing real-life stories of what not to do. Known for his ability to explain complex topics in a way that anyone can understand, Nicholas ensures that each episode leaves you feeling empowered and informed.

Whether you’re driving to work, hitting the gym, or just taking a break, Un Eff Your Finances is here to make finance fun and accessible. Join us for a dose of humor, storytelling, and practical tips that will help you take control of your financial future.