I've Heard Worse

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/

Business
Education
1
Episode 12: The Butterfly Effect & Your Finances
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.
29 min
2
Episode 11: The Cost of Doing Nothing
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.
25 min
3
Episode 10: Money Questions? Answered!
Certified Financial Planner Sara McCullough answers the most common (and trickiest) questions about financial planning—so you can take control with confidence.
20 min
4
Episode 9: Life Gets Crazy, Your Finances Shoul...
In this episode of I’ve Heard Worse, Sara McCullough dives into the power of knowing your numbers, anticipating challenges, and making informed financial decisions—whether you’re planning for the future or navigating a crisis right now.
43 min
5
Episode 8: The ‘Too Little’ Trap
In this episode of I’ve Heard Worse, Sara McCullough challenges conventional retirement wisdom, breaks down the surprising results of a new CPP study, and reveals why many retirees struggle to actually spend the wealth they’ve built.
28 min
6
Episode 7: Too Much
In this episode of I’ve Heard Worse, Sara McCullough is breaking down three major financial mistakes that even smart people make—and how to fix them before they cost you.
34 min
7
Episode 6: Two Buckets, One Plan
In this episode of I’ve Heard Worse, Sara McCullough breaks down how to track your numbers, anticipate future spending, and avoid common DIY planning mistakes.
37 min
8
Episode 5: In Sickness and in Health
In this episode of I’ve Heard Worse, Sara McCullough discusses the importance of planning for life’s major transitions and how failing to prepare can cause both financial and emotional strain.
30 min
9
Episode 4: The Dynamic Duo: Net Worth & Cash Flow
In this episode of I’ve Heard Worse, Sara McCullough breaks down why these two elements are crucial for your financial health.
28 min
10
Episode 3: Planning Over Pitching
In this episode of I’ve Heard Worse, Sarah McCullough discusses the truth about financial planning, and why most of us aren't getting the guidance we need.
25 min
11
Episode 2: Your Goals vs. Your Money—Who’s Winn...
In this episode of I’ve Heard Worse, Sara McCuollough breaks down how financial planning can help you untangle stress, take control, and quiet that loud voice in your head.
24 min
12
Episode 1: How to De-Stress Your Money
In this first episode of I've Heard Worse, Sara McCullough dives deep into why we stress over money and how to break free from the confusion and uncertainty.
12 min