What if your worst breaking point was actually the doorway to the life you’ve always wanted?
In this episode of Your Ultimate Life, Kellan Fluckiger sits down with Sandra Valks, financial planner, prison mentor, and self-proclaimed Queen of Straight Talk, to explore how collapse can become courage, and how you can create your “second childhood with wisdom” at any age.
Sandra shares her journey through divorce, grief, and emotional burnout… and how those experiences led her to serving in prisons, living with a refugee family in Uganda, writing her book “Breaking Point: From Collapse to Courage – Live the Life You Choose”, and creating her money program “Shake Hands With Your Money.”
If you’ve ever felt crushed, stuck, or too “late” to start over, this conversation will show you why your breaking point might be your greatest invitation yet.
You’ll Discover
✅ Why collapse isn’t the end and how it can be the beginning of a new, chosen life
✅ What Sandra means by a “second childhood with wisdom” and why you don’t have to wait until you’re older to claim it
✅ How divorce became her major breaking point and catalyst for deep transformation
✅ The healing power of writing your story and how it forces you to face, feel, and reframe your past
✅ The difference between a memoir that’s just a story and a story written to serve and help others
✅ How Sandra ended up living with a refugee family in Uganda after a Facebook message… and why she chose to bring books and learning instead of just money
✅ What she learned from decades mentoring men in prison through Toastmasters and Alternatives to Violence
✅ Why being truly listened to is transformational especially for people who’ve never been heard before
✅ How service, curiosity, and play keep you alive, engaged, and growing at any age
✅ The surprising ways money touches every part of your life—relationships, stress, identity, and freedom
✅ Why most people never really “shake hands with their money” and stay stuck in confusion, debt, and avoidance
✅ How simple, straight-talk tools around budgeting and debt can start to change your entire life
Chapters
(Adjust timestamps as needed for your final upload)
00:00 - Tired of the hype? Welcome to Your Ultimate Life
00:40 - Why this podcast exists: purpose, prosperity & joy with what you already have
02:10 - Meet Sandra: decades of life, and yes—she loves it now
05:00 - Second childhood with wisdom: coming full circle with joy
08:20 - “You should write a book”: how the idea chased her for years
11:45 - Kellan’s challenge & finally starting the book
15:30 - Writing your story as healing: tears, blocks, and breakthroughs
19:40 - Memoir vs mission: turning a life story into service
23:10 - The breaking point: divorce, collapse, and workaholism
27:50 - Grief, loss, and why her son’s passing was different from that first breaking point
31:30 - Curiosity, play, and pink hair: how Sandra approaches life now
35:00 - From Facebook message to living in Uganda with a refugee family
41:10 - Teaching mindset & money instead of just sending cash
45:30 - Adventures at 70+: wheelchairs in airports & motorbikes in Uganda
49:00 - Serving in prison: Toastmasters, clubs, and transformation on the inside
54:20 - The power of being heard & speaking in front of others
58:40 - Sandra’s money story: from farm kid hustler to 40+ years in financial planning
1:03:00 - Why no one teaches simple money basics—and why she does
1:06:30 - “Shake Hands With Your Money”: budgets, beliefs, and debt snowballs
1:10:40 - Breaking Point: From Collapse to Courage – who this book is for
1:13:30 - Choosing your second childhood at 40, 60, or 70+
Resources
Learn more: KellanFluckigerMedia.com
Free tools & training: YourUltimateLife.ca
Connect with Sandra: www.sandravalks.ca
Connect & Share
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💬 Comment: What was your breaking point—and what did it wake you up to?
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