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Listen "Episode 12: The Butterfly Effect & Your Finances"
Episode Synopsis
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
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
More episodes of the podcast I've Heard Worse
Episode 11: The Cost of Doing Nothing
02/04/2025
Episode 10: Money Questions? Answered!
02/04/2025
Episode 8: The ‘Too Little’ Trap
02/04/2025
Episode 7: Too Much
02/04/2025
Episode 6: Two Buckets, One Plan
02/04/2025
Episode 5: In Sickness and in Health
02/04/2025
Episode 3: Planning Over Pitching
02/04/2025
In God we trust