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Episode 11: The Cost of Doing Nothing
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
View all episodes
By Sara McCulloughThink 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