by Sara McCullough
Do you ever feel like the only one who doesn’t have a firm grasp of their finances? Like you can make money and save it - but you don’t really know what to do with it? You’re far from alone- money is stressful! On average, Canadians spend 15 hours a week worrying about their money - but there is a way forward with confidence and clarity. Your money can and should be working for you, and you should be taking steps to secure your financial future, for your retirement, and for your family. On I’ve Heard Worse, Sara McCullough will teach you how to define your specific issues (or opportunities!) with your money and how to set up your finances so that you don’t have to spend your precious time on ‘what ifs’—you’ll know what your financial future looks like. Learn more at https://www.wddevelopment.ca/
Language
🇺🇲
Publishing Since
4/2/2025
Email Addresses
1 available
Phone Numbers
0 available
April 2, 2025
What if a single financial decision could change the course of your life forever? In this episode of I’ve Heard Worse, Sara McCullough explores how small shifts in your financial planning can have a profound ripple effect, unlocking opportunities, reducing stress, and even benefiting those around you. Whether you're navigating through tough decisions or simply looking to enhance your financial situation, the choices you make today can shape your future in unimaginable ways. Key Points: Do you know where you stand? - Clarity in your financial situation builds confidence and helps you stay on track with your goals, leading to long-term stability. A $25,000 deficit—gone! - A simple adjustment in payment timing helped a client eliminate financial stress and gain control over their monthly budget. Is stress about money taking over your life? - Financial overwhelm can seep into all aspects of your life, causing missed work and relationship strain—why let it control you? Who’s profiting from your confusion? - Investment firms, banks, and lenders thrive on your lack of financial clarity. But the goal should always be for YOU to benefit from your own choices. A butterfly’s wings, a million-dollar shift! - Small financial decisions can have an outsized impact, just like the butterfly effect—shaping your future in ways you might not expect. Don’t leave money on the table! - Whether it’s a 10% or 50% increase, your financial outcomes can dramatically improve when you make informed, thoughtful choices. Resources Sara McCullough on Web | LinkedIn | Email | Instagram 2025 stress index Scotiabank 4th annual Worry Poll (2023) Organize Your Financials - with 45 days free trial period Original CPP delay study CPP explainer video Monarch Money - organize your financial transactions. Connect your bank accounts and sort from there! If you were previously a user of Mint, Monarch Money is owned by 2 previous Mint employees. List of Advice-Only Planners in Canada - List is embedded in this page, which also talks about advice-only planning. Shannon Lee Simmons - Author of 4 books on handling your money Rational Reminder podcast: “Sensible investing and financial decision-making, from two Canadians” Renting vs Buying calculator Couples That Work
April 2, 2025
Think financial planning is just for the ultra-wealthy? What if one simple decision could change your net worth by six figures? In this episode of I’ve Heard Worse, Sara McCullough breaks down the real value of financial planning, why "free" advice isn’t actually free, and how a single smart move could reshape your financial future. You'll also learn why false time pressure leads to costly mistakes and how to shift your mindset from avoiding financial conversations to owning them with confidence. If you've ever wondered whether planning is worth the price, this episode will change how you see your money. Key Points: Creative solutions don’t happen in isolation - Going solo on financial planning might mean missing out on better strategies. Financial planning isn't free—so what were you expecting? - It takes time, expertise, and effort, and the right guidance can pay off exponentially. Urgency is often an illusion - Just because something feels time-sensitive doesn’t mean it actually is—making rushed financial moves can cost you big. One bad decision could cost you $47,000 - Understanding the impact of your choices now can change your long-term wealth. Doing nothing is a decision too—just not a good one - The first step doesn't have to be big; even asking one question gets you moving in the right direction. Resources Sara McCullough on Web | LinkedIn | Email | Instagram Organize Your Financials - with 45 days free trial period Monarch Money - organize your financial transactions. Connect your bank accounts and sort from there! If you were previously a user of Mint, Monarch Money is owned by two previous Mint employees. List of Advice-Only Planners in Canada - List is embedded in this page, which also talks about advice-only planning. Shannon Lee Simmons - Author of 4 books on handling your money Rational Reminder podcast: “Sensible investing and financial decision-making, from two Canadians” Renting vs Buying calculator I've Heard Worse Episode 9
April 2, 2025
Got money questions? You’re not alone! If you're unsure where your money is actually going, how much you should be saving, or whether you're working with the right financial expert, this episode is for you. Certified Financial Planner Sara McCullough answers the most common (and trickiest) questions about financial planning—so you can take control with confidence. Key Points Your salary isn’t your cash flow - Know what actually lands in your bank account and what’s already spent before your next paycheck arrives. Saving ‘enough’ depends on you - There’s no magic percentage—your savings target should match your situation and goals. Cash flow is king - It’s not just about how much you make, but when and how money moves in and out of your life. Stop chasing a credit score - Focus on building smart financial habits—your credit score will follow. Overwhelmed? Write it down - Acknowledging financial stress is the first step toward fixing it. Resources Sara McCullough on Web | LinkedIn | Email | Instagram Organize Your Financials - with 45 days free trial period Monarch Money- an app to sort out your money ins & outs List of Advice-only planners in Canada Books by Shannon Lee Simmons on handling your money Rational Reminder podcast I've Heard Worse Episode 6
Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.
All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.
We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.
While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at [email protected] for prompt review and appropriate action, which may include content removal or proper attribution.
By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.