Is Your Money Actually Working for You—Or Against You? We all have financial goals, but are we making them harder than they need to be? Sometimes, the most responsible choice isn’t a complicated strategy—it’s just making the decision. In this episode of I’ve Heard Worse, Sara McCullough breaks down how financial planning can help you untangle stress, take control, and quiet that loud voice in your head.



Key Points



Just buy the car – The story of a client who overcomplicated his financial plan when the simplest solution was right in front of him.


A shaky moment is not the same as financial risk – How I navigated my own financial fears after becoming self-employed—and the process I use to check if things are truly okay.


Managing your money isn’t a one-shot thing – Why financial planning isn’t about one perfect answer but about adapting to your changing life.


That voice in your head isn’t leaving—but it can be quieter – Identifying the financial stress points that trigger your worries and finding ways to address them.


Pick a date to get real answers – Over the next few weeks, notice when that inner financial voice is the loudest. What triggers it? Then, set a deadline to address it.




Resources

Sara McCullough on Web | LinkedIn | Email | Instagram

Updated financial stress index

Scotiabank 4th annual Worry Poll (2023)

Organize Your Financials - with 45 days free trial period

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