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SugarMamma’s Fireplay

Canna Campbell SugarMammaTV

Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC

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  • 22 episodes
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  • Avg 27 min
  • English

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  • Thursday · 37 min

    Reverse Mortgages Explained: The Pros, The Risks & Who They’re Really For

    What happens when you’ve worked your whole life to pay off your home… but you’re struggling to afford retirement? More Australians are finding themselves asset rich but cash poor. Their home may be worth over $1 million, but rising living costs, healthcare expenses and longer life expectancies are putting pressure on retirement savings. One option that is becoming increasingly popular is a reverse mortgage. But is it a smart way to unlock the equity in your home, or could it quietly erode your wealth over time? In this episode of SugarMamma’s Fireplay, I explain exactly how reverse mortgages work, who they may suit, the benefits, the risks and the important questions I believe every Australian should ask before signing a reverse mortgage contract. This isn’t about telling you what to do. It’s about helping you make an informed decision. In this episode, we cover: • What a reverse mortgage actually is and how it works. • Why more Australians are considering reverse mortgages in retirement. • The difference between a traditional mortgage and a reverse mortgage. • How much you may be able to borrow and the different ways funds can be accessed. • The power of compound interest and why borrowing more than you need can dramatically reduce your home equity over time. • Real-life examples of how retirees use reverse mortgages to stay living in their homes. • The benefits, including improving cash flow, funding home modifications and supporting independence. • The risks, including compounding interest, living longer than expected, future healthcare costs and reducing the value of your estate. • The No Negative Equity Guarantee and what it means. • Alternative strategies, including downsizing, the Government Home Equity Access Scheme and other ways to access home equity. • The nine questions I believe every Australian should ask before taking out a reverse mortgage. Whether you’re approaching retirement, helping your parents understand their options or simply planning ahead, this episode will help you better understand one of Australia’s most misunderstood financial products. Remember, a reverse mortgage isn’t inherently good or bad. Like any financial strategy, it can be incredibly valuable when used thoughtfully—but it can also become very expensive if you borrow more than you truly need. As always, this podcast is for educational purposes only and does not constitute personal financial advice. Before making any financial decisions, consider seeking independent financial and legal advice that is appropriate for your individual circumstances. If you enjoyed this episode, please consider following SugarMamma’s Fireplay, leaving a review and sharing this episode with someone who may find it helpful. Because understanding your options today can help protect your financial future tomorrow. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • Sunday · 27 min

    How to Make Your Super Last in Retirement: 8 Costly Mistakes to Avoid

    How to Make Your Super Last in Retirement: 8 Costly Mistakes to Avoid Retirement isn't just about reaching a magic superannuation number. It's about making sure your money lasts for the lifestyle you want to live. After more than 20 years as a financial planner, I've seen that many Australians focus on the obvious retirement risks—like market crashes or inflation—but often overlook the hidden traps that quietly erode wealth over time. In this episode of SugarMamma's Fireplay, I share the eight biggest retirement mistakes I see, along with practical strategies to help you build greater confidence, flexibility and financial security for the decades ahead. Whether you're planning to retire in five years or twenty-five years, this episode will help you make smarter decisions today for a more comfortable tomorrow. In this episode, you'll learn: • Why your retirement lifestyle matters more than your super balance • How inflation quietly reduces your purchasing power over time • Why being too conservative with your investments can become a hidden risk • What Sequence of Returns Risk is—and why it can significantly impact your retirement income • How to prepare financially for a longer life expectancy • Why future healthcare and aged care costs should be part of every retirement plan • How part-time work or passion projects can strengthen both your finances and your wellbeing • Why retiring with unnecessary debt can place pressure on your retirement cashflow • Practical steps you can take today to help your super last longer Retirement planning isn't about predicting the future. It's about creating flexibility, reducing unnecessary risks and making thoughtful financial decisions that give you more choice and greater peace of mind. If you enjoyed this episode, please share it with someone preparing for retirement and leave a review—it helps more Australians discover practical, empowering financial education. Disclaimer: The information shared in this podcast is general in nature and is intended for educational purposes only. It does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking advice from a licensed financial adviser. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • August 20 · 14 min

    START HERE: SHOULD I SELL MY CAR TO GET AHEAD FINANCIALLY?

    Should You Sell Your Car to Pay Off Your Mortgage?Episode Description Would selling your car save you thousands of dollars... or could it actually be the wrong financial move? In this episode of Start Here, Canna answers a listener's question about whether selling a $50,000 Toyota Hilux to put an extra $25,000 onto their mortgage is the smartest way to get ahead financially. The numbers are surprising. Yes, a lump sum repayment could save around $76,000 in interest over the life of the loan. But when you're already making significant extra mortgage repayments every month, that lump sum may not have the impact you expect. More importantly, this conversation isn't really about a car. It's about knowing when to optimise your finances... and when it's okay to enjoy something you've worked hard for without guilt. In this episode you'll learn: Whether selling your car will genuinely accelerate your mortgage repayments. Why context matters more than calculators. The hidden costs of replacing an expensive vehicle. How to work out whether you actually need the car you own. Why extra mortgage repayments often do far more heavy lifting than one-off lump sums. The emotional reasons we sometimes question purchases we've already made. How to find the balance between building wealth and enjoying your life. A simple framework for making future big-ticket spending decisions with confidence. If you've ever wondered whether you should sell your car, downgrade your lifestyle or sacrifice more to reach your financial goals faster, this episode will help you make that decision with greater clarity and confidence. In this episode: ✔ How much a $25,000 lump sum could save on your mortgage ✔ Why replacing a car isn't always as cheap as it seems ✔ The true cost of running an older vehicle ✔ The importance of understanding what your car actually needs to do ✔ Why your monthly habits matter more than one-off decisions ✔ The psychology behind financial guilt ✔ How to enjoy your money without compromising your long-term goals Remember, wealth isn't built by making one perfect financial decision. It's built through consistently making good decisions over time. Have a question for Start Here? If there's a money question you've been quietly wrestling with, send it in. Chances are, thousands of other Australians are wondering exactly the same thing. canna@sugarmamma.tv Don't forget to subscribe, leave a review and share this episode with someone who might be asking themselves... "Should I sell my car?" 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • August 16 · 18 min

    7 Sneaky Tricks Real Estate Agents Use On Buyers - Home Buyer Beware!

    Buying property is one of the biggest financial decisions most Australians will ever make. But many buyers don’t realise: property sales are highly emotional negotiations are psychological pressure tactics are common buyers can unintentionally reveal too much information This episode is NOT about attacking real estate agents. Important framing: many agents are professional and ethical selling property is their job BUT buyers need to understand how the process works so they can protect themselves financially and emotionally Key message: “The calmer and more informed you are as a buyer, the better financial decisions you’re likely to make.” Adam McCabe can be contacted Adam.McCabe@BlueLantern.com.au or 0423 685 133 IMPORTANT POINTS Buying property can feel exciting but also emotionally overwhelming Many buyers feel pressured, rushed or manipulated during negotiations Emotional decisions can cost people tens or even hundreds of thousands of dollars Today’s episode is about awareness and strategy Adam will walk through common tactics buyers should understand before entering the property market Transition: “Adam, let’s walk through some of the sneaky tricks buyers should be aware of when purchasing property.” 1. ASKING TO SEE YOUR PRE-APPROVAL LETTERDiscussion Points Agents may ask to see borrowing capacity Gives insight into buyer’s spending ceiling Your maximum approval ≠ your comfortable budget Key Message “Just because the bank says you can borrow that much doesn’t mean you should spend that much.” Important Notes Buyers are not obligated to disclose full borrowing limits Keep negotiations focused on property value, not your borrowing power 2. ONLY SHOWING HIGH RECENT SALES COMPARISONSDiscussion Points Agents may selectively present premium comparable sales Creates price anchoring psychology Can distort buyer perception of value Important Advice Buyers should research independently Look at: days on market passed-in auctions lower comparable sales suburb trends Key Message “Data can tell very different stories depending on what gets left out.” 3. CREATING ARTIFICIAL URGENCYCommon Phrases “There’s another strong offer.” “The vendor wants this wrapped up tonight.” “You’ll need to move quickly.” “There’s huge interest.” Discussion Points Sometimes true, sometimes strategic pressure Urgency increases emotional decision-making Buyers may skip due diligence Important Advice Slow down Don’t waive important checks under pressure Avoid emotionally chasing the property 4. UNDERQUOTING THE PROPERTYDiscussion Points Low advertised pricing attracts emotional attachment Buyers spend time emotionally investing in properties outside realistic budget Creates bidding competition Emotional Impact Buyer exhaustion FOMO Overstretching financially Important Advice Research comparable sales Understand realistic suburb pricing Maintain borrowing buffers 5. ASKING FOR YOUR MAXIMUM BUDGETCommon Questions “What’s your ceiling?” “What are you comfortable spending?” “How high can you go?” Discussion Points Valuable negotiation information Buyers often reveal too much unintentionally Key Message “Your budget is your business.” Important Advice Set your own ceiling privately beforehand Avoid negotiating against yourself emotionally 6. USING EMOTIONAL LANGUAGE & FOMOExamples “Dream family home.” “Rare opportunity.” “You don’t want to miss this.” “Properties like this never come up.” Discussion Points Emotional attachment clouds financial judgment Buyers start imagining future lifestyle before evaluating affordability Important Advice Separate emotion from numbers Another property will always come along Protect long-term financial stability 7. CONDITIONING BUYERS TO INCREMENTALLY INCREASE OFFERSExamples “If you could just increase another $5K…” “You’re very close.” “The vendor might accept a little more.” Discussion Points Small increases feel psychologically manageable But small increments compound quickly Important Advice Decide maximum limit BEFORE negotiating Understand repayment impact of every increase Key Message “The purchase price is only the beginning — you have to live with the repayments afterwards.” IMPORTANT THEMES TO REPEAT THROUGHOUT EPISODE Stay calm and strategic Don’t let emotion override affordability Buying property should not feel like panic Long-term financial stability matters more than “winning” There will always be another property Protect your borrowing capacity and mental health GOOD QUESTIONS FOR YOU TO ASK ADAM “What’s the biggest mistake emotional buyers make?” “At what point do buyers start overpaying emotionally?” “What should buyers never reveal?” “How can buyers stay calm during negotiations?” “What are signs someone is financially overstretching themselves?” “How important is having a broker involved before making offers?” CONCLUSIONFinal Talking Points Buying property is emotional and competitive Understanding negotiation psychology is empowering Buyers don’t need to feel pressured or rushed Good decisions usually come from calmness, preparation and clarity Final message: “Sometimes the property you don’t buy ends up being the best financial decision you ever make.” Reach out to Adam and the team at Blue Lantern Home Loans if you would like help understanding your borrowing capacity, structuring your loan properly or navigating the property buying process strategically. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • August 13 · 32 min

    START HERE: SLOWING DOWN TO BUILD SUSTAINABLE WEALTH WITHOUT BURNOUT

    Is It Okay to Slow Down? Building Wealth Without Burning Out Have you ever wondered whether taking your foot off the accelerator could actually be one of the smartest financial decisions you make? We're constantly told to earn more, save more, invest more and keep pushing for the next financial milestone. But what happens when life, your health or your family needs something different from you? In this episode of Start Here, we explore a question that so many working parents quietly ask themselves: Can you slow down without sacrificing your financial future? Inspired by a heartfelt listener question, we discuss why building wealth isn't just about increasing your income. It's about creating enough financial resilience to have choices when life changes. In this episode, you'll learn: Why paying off your mortgage creates more than financial security—it creates options. How to recognise the different seasons of life and adjust your financial strategy accordingly. Why your health, energy and mental wellbeing are some of your most valuable financial assets. How to redesign your life before making the decision to leave your job or reduce your income. Practical ways to buy back your time and protect your energy without necessarily earning less. Why financial planning should be a shared responsibility within a relationship. The systems, routines and support that help me balance work, motherhood and building long-term wealth. How to calculate the real financial impact of reducing your income so you can make confident decisions based on facts, not fear. Why slowing down doesn't have to mean falling behind. If you've ever felt guilty for wanting a slower pace of life, struggled to balance work and family, or wondered whether it's possible to build wealth without burning yourself out, this episode is for you. Because sometimes the smartest financial decision isn't earning more. Sometimes it's creating a life that's financially, emotionally and physically sustainable. If you enjoyed this episode, I'd love it if you could leave a review, share it with someone who needs to hear this conversation, or send me your own question for a future episode of Start Here. You can also continue the conversation and explore my reflections on creating a calmer, more intentional life through my Substack, Quiet Wealth: https://cannacampbellakasugarmamma.substack.com 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • August 9 · 28 min

    Laura Paid Off Another $177,000 of Her Mortgage... Here's Exactly How - Secrets & Hacks

    How She Paid Off Even More of Her Mortgage (An Inspiring Debt-Free Update) A few years ago, Laura from The Savvy Mam https://www.instagram.com/thesavvymam/ joined me on Fireplay to share how she and her husband paid an incredible $316,500 off their mortgage in just four and a half years. It quickly became one of our most inspiring conversations, proving that you don't need a huge income or a perfect financial situation to make extraordinary progress—you simply need a clear goal, consistency and a willingness to take action. Today, Laura is back. Since we last spoke, life has changed. Her family has grown, they've settled into a new home and continued working towards financial freedom. In this follow-up episode, we discuss: • How much more debt Laura has paid off since we last spoke. • Her current mortgage balance and financial progress. • How becoming a parent again has influenced her financial decisions. • The biggest lessons she's learned along the way. • Common mistakes homeowners make when trying to pay off their mortgage. • The habits that have made the biggest difference. • Whether she's now focusing on investing outside of property. • What financial freedom looks like for her family today. If you're feeling overwhelmed by your mortgage, wondering whether extra repayments are worth it or simply looking for motivation to stay focused on your financial goals, this episode is packed with practical advice and real-life inspiration. Remember, financial freedom isn't built through one big decision—it's built through hundreds of small decisions made consistently over time. If you enjoyed this episode, please subscribe, leave a review and share it with someone who is working towards becoming debt free. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). Follow Laura: @thesavvymamma #Mortgage #MortgageFree #DebtFree #HomeLoan #PersonalFinance #FinancialFreedom #MoneyMindset #FinancialPlanning #PayOffYourMortgage #AustralianFinance See omnystudio.com/listener for privacy information.

    • Transcript
  • August 6 · 31 min

    START HERE: Will My Super Last? How to Avoid Running Out of Money in Retirement

    Will Your Super Last? How to Avoid Running Out of Money in Retirement One of the biggest fears Australians have about retirement isn't building enough super. It's running out of it. In this episode of Start Here, I answer a thoughtful question from a listener who is about to retire with almost $800,000 in superannuation but is worried it may not last. If you've ever wondered: Will my super be enough? How much money do I actually need in retirement? Should I move everything into cash? How do I protect myself from market downturns? What happens if I live longer than expected? ...then this episode is for you. Together we'll explore practical ways to create more confidence around your retirement, including: ✔️ Why knowing your annual living expenses is more important than focusing on your super balance. ✔️ Why your money may still need exposure to growth assets throughout retirement. ✔️ My "Sleep Well Strategy" and why holding around two years of living expenses in cash may help you navigate market volatility. ✔️ Retirement strategies worth exploring, including the downsizer contribution, reviewing assets held outside super and understanding potential Centrelink entitlements. ✔️ Why retirement doesn't have to be all or nothing, and how even a small amount of income can reduce pressure on your retirement savings. ✔️ The importance of seeking personalised financial advice before making significant retirement decisions. Retirement isn't about having certainty. It's about building a flexible plan that gives you confidence, peace of mind and the freedom to enjoy the next chapter of your life. Whether retirement is just around the corner or still years away, this episode will help you start preparing today. If you enjoyed this episode, I'd be so grateful if you left a review or shared it with someone who may also be thinking about retirement. It really helps more Australians discover the podcast and improve their financial confidence. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • August 2 · 25 min

    Why Money Is The #1 Cause Of Relationship Stress (And How To Fix It)

    Why Money Is The #1 Cause Of Relationship Stress (And How To Fix It) Money touches almost every area of our lives. It affects where we live, how we raise our children, our lifestyle choices, retirement plans, career decisions and even our sense of security. It's therefore no surprise that financial stress is one of the leading causes of relationship conflict, with recent research showing that 71% of relationship breakdowns involve financial stress. In this episode, I unpack why money creates so much tension in relationships, the warning signs to watch for, and the practical strategies couples can use to build greater financial harmony. In This Episode We Discuss: ✅ Why money arguments are rarely just about money ✅ How different money personalities can create conflict ✅ Common financial red flags in relationships ✅ The dangers of hidden debt and secret spending ✅ Financial abuse and coercive control: what it looks like ✅ Why transparency builds trust ✅ How to create shared financial goals without losing independence ✅ The importance of "sanity money" and personal spending freedom ✅ How regular money conversations can strengthen a relationship ✅ Practical ways to reduce financial stress as a couple Financial Red Flags To Watch For Hiding purchases or debts Refusing to discuss money One partner controlling all financial decisions Restricting access to bank accounts or financial information Excessive gambling or spending habits Constant financial secrecy Using money to manipulate, punish or control a partner Simple Ways To Improve Financial Harmony Schedule regular money check-ins Create shared financial goals Build an emergency fund together Be transparent about debt, spending and financial commitments Maintain some personal financial independence Ensure both partners understand the household finances Seek professional support early if money becomes a major source of conflict Key Takeaway A strong relationship isn't built by having perfect finances. It's built through trust, communication, transparency and working together towards a shared vision for your future. Money should be a tool that supports your relationship, not something that quietly undermines it. If you enjoyed this episode, please share it with a friend or loved one who might benefit from it. Don't forget to subscribe to SugarMamma's Fireplay and leave a review to help more Australians improve their financial wellbeing and create greater financial freedom. 🔥💛 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

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  • July 30 · 14 min

    START HERE: Debt Free - Here is what to do next for long term financial success

    Debt free. Savings in the bank. No financial stress. It sounds like the finish line. But for many people, it’s actually the beginning of a completely new financial chapter. In this episode of Start Here, I answer a listener’s question about what happened after she worked incredibly hard to pay off a significant amount of debt. Instead of feeling excited, she found herself feeling a little lost—without a clear financial direction and slowly dipping into her savings. If you’ve ever reached a major money milestone and wondered, “What now?”, this episode is for you. In this episode, we explore: Why paying off debt is a huge achievement—but not the end of your financial journey. The mindset shift from debt elimination to wealth creation. Why money without a purpose has a habit of disappearing. How to create meaningful financial goals for your next chapter. Building systems that make saving and investing automatic. Finding the balance between enjoying your money today and planning for tomorrow. Why your financial strategy should evolve as your life changes. How to avoid drifting financially after reaching a major milestone. Remember, becoming debt free isn’t the destination. It’s the foundation that gives you the freedom to intentionally build wealth, create opportunities and design a life that truly reflects what matters most to you. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

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  • July 26 · 29 min

    5 Changes We're Making To Our Financial Game Plan - Because of The Federal Budget

    5 Changes We're Making After The Federal Budget The recent Federal Budget didn't change our financial goals... but it did change how we're thinking about achieving them. Over the past few months, Tom and I have been reviewing every part of our financial strategy. Not because we're panicking or abandoning our long-term investing philosophy, but because when tax laws and legislation change, it's worth asking one simple question: Does our financial plan still support the future we're trying to build? In this personal episode of SugarMamma's Fireplay, I'm taking you behind the scenes and sharing the five biggest changes we're making to our family's financial strategy, including how we're thinking about: ✔️ The proposed Capital Gains Tax changes and whether to sell investments earlier than planned ✔️ Why superannuation has become an even bigger priority in our long-term wealth plan ✔️ Why I'm focusing on growing passive income rather than simply chasing higher investment returns ✔️ Why we've brought forward some major home projects, despite delaying our mortgage-free goal ✔️ How we're thinking differently about debt recycling, negative gearing and using debt to build wealth I'll also share what hasn't changed, because despite the headlines, our long-term philosophy remains exactly the same: building sustainable passive income, paying off non-deductible debt and creating financial independence. Whether you're an investor, homeowner or simply trying to make smarter financial decisions in an ever-changing world, this episode will help you think more strategically about your own financial future. In this episode: Why we're reviewing when to sell investments The impact of the proposed Capital Gains Tax changes Why superannuation has become even more valuable Investing for growing passive income Dividend investing and long-term wealth creation Why our family home has become a bigger priority Debt recycling and negative gearing after the Federal Budget What hasn't changed in our financial philosophy How to review your own financial strategy with confidence Remember, this episode is general in nature and doesn't take into account your personal objectives, financial situation or needs. If you're considering making changes to your own financial strategy, seek professional advice from a licensed financial planner, accountant and mortgage broker. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). Federal Budget, Capital Gains Tax, CGT, Superannuation, Passive Income, Investing, Australian Shares, ETFs, LICs, Dividend Investing, Debt Recycling, Negative Gearing, Mortgage, Financial Independence, Wealth Building, Personal Finance Australia, Money Mindset, Tax Planning, Financial Planning, FIRE Movement. See omnystudio.com/listener for privacy information.

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  • July 23 · 33 min

    START HERE: Build Wealth & Financial Freedom Without Debt Recycling

    Some people describe it as one of the most powerful wealth-building strategies available. Others say if you're investing in ETFs while still paying off your home loan without debt recycling, you're "leaving money on the table." But is that really true? In this Start Here episode, I answer a listener's excellent question about whether debt recycling is essential for building long-term wealth, or whether you can still create financial freedom without it. We'll unpack what debt recycling actually is, how it works, why so many investors use it, and just as importantly, the risks that are often overlooked. I'll also explain another way people borrow to invest through margin loans, including what a margin call is, how regular gearing plans work, and the pros and cons of each strategy. Most importantly, we'll talk about why you should never feel pressured into using a financial strategy that doesn't suit your personality, goals or risk tolerance. Because building wealth isn't about copying someone else's strategy. It's about finding the strategy you can confidently stick with for decades. In this episode you'll learn: • What debt recycling actually is (in plain English) • How debt recycling can improve tax efficiency • The benefits and risks of borrowing to invest • Why leverage isn't suitable for everyone • What a margin loan is and how it compares to debt recycling • What a margin call is and why it matters • How to reduce the risks when borrowing to invest • What to look for when comparing margin loans • Why superannuation remains one of Australia's most powerful wealth-building tools • Why consistency often beats chasing the "perfect" strategy Whether you're just starting to invest in ETFs, paying off your mortgage, or wondering if you're missing out by not debt recycling, this episode will help you better understand your options so you can make informed decisions with confidence. Remember: The best investment strategy isn't necessarily the most complicated one. It's the one you understand, feel comfortable with and can consistently follow over the long term. 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

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  • July 19 · 18 min

    Why Financial Confidence Matters More Than Your Net Worth

    We often assume that financial confidence comes from having more money. A bigger salary. A bigger investment portfolio. A bigger net worth. But what if financial confidence has very little to do with how much money you have and far more to do with how much control you feel you have over your finances? Inspired by the latest ING Sense of Us Report, this episode explores how Australians are adapting to economic uncertainty, rising living costs and financial pressure by focusing on what they can control. Rather than waiting for interest rates to fall or the economy to improve, many Australians are taking action today through budgeting, investing, building better money habits and creating small financial wins that build momentum over time. We also explore: • Why financial confidence matters more than your net worth • The surprising optimism Australians are feeling despite cost-of-living pressures • How small financial wins create momentum and confidence • The meaning behind the saying "small hinges swing big doors" • Why Australians are becoming more resourceful with their money • How loyalty programs, strategic shopping and budgeting are helping households fight back against rising costs • Why Australians are redefining what wealth means to them • The rise of intentional spending and the importance of experiences, wellbeing and connection • How to stop procrastinating and start taking action with your money • The simple mindset shift that can help build lasting financial confidence One of the most powerful findings from the report was that Australians aren't standing still. They're adapting. They're rewriting the financial playbook and proving that confidence isn't built through one big breakthrough, but through lots of small actions repeated consistently over time. Because whilst one habit may not change your life, enough of them absolutely can. The question is: Are you waiting for things to get easier, or are you getting started? Key Takeaway: Financial confidence isn't something you wait for. It's something you build. Consistently, steadily, over time. Education is key, backed with action. By focusing on what you can control, creating small financial wins and taking consistent action, you can create momentum that transforms not only your finances, but your relationship with money as well. 💡 If you want my help with your budget or money mindset: Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • July 16 · 21 min

    START HERE: Super vs Shares: Where Should Your Next Investment Dollar Go?

    Many Australians eventually reach the same crossroads in their wealth-building journey: Should I invest more money into superannuation? Or should I build wealth outside of super? In this week's Start Here episode, inspired by a listener question, we're unpacking one of the most important investing decisions you'll ever make. Using a real-life example of a 38-year-old investor with $372,000 in superannuation and a growing share portfolio, we explore the advantages and disadvantages of investing inside and outside super, including: ✔️ The tax benefits of superannuation ✔️ The power of flexibility and accessibility ✔️ Why inflation can dramatically impact your retirement goals ✔️ How to know if you're already on track for retirement ✔️ The difference between maximising wealth and maximising freedom ✔️ Why investing isn't always an either-or decision ✔️ The pros and cons of building wealth inside and outside super We also walk through retirement projections, discuss the risks of relying on a single wealth structure, and explore why many Australians deliberately build wealth both inside and outside superannuation. Most importantly, you'll learn how to think about your next investment decision through the lens of your goals, lifestyle and future financial freedom. Because sometimes the best financial decision isn't simply about maximising returns. Sometimes it's about creating more options for your future self. In This Episode Why there is no universal answer to the super vs shares debate Understanding retirement income in today's dollars versus future dollars How inflation quietly changes retirement planning Example projections for a 38-year-old investor The advantages of investing more into superannuation The disadvantages of locking away wealth until retirement The benefits of building passive income outside super How flexibility can become more important than tax efficiency Why many investors choose to do both Remember Financial freedom isn't about having the biggest portfolio. It's about having choices. 🎧 Have a money question you'd like answered on Start Here? Email your question and it may feature in a future episode of SugarMamma's Fireplay. canna@sugarmamma.tv - strictly general advice only #Superannuation #Investing #RetirementPlanning #PassiveIncome #FinancialFreedom #ETFs #AustralianShares #MoneyPodcast #SugarMamma #FireplayPodcast 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

    • Transcript
  • July 12 · 29 min

    Negative Gearing Shares: Margin Loans, Debt Recycling & The Risks You Need To Know

    With recent changes to negative gearing for investment properties, many Australians are starting to ask an important question: Can you negatively gear shares instead? The answer is yes — but borrowing to invest in the share market comes with its own risks, responsibilities and opportunities. In this episode of SugarMamma's Fireplay, financial planner Canna Campbell explains how negative gearing shares works, the two most common ways Australians borrow to invest, and the practical steps you can take to reduce your risk and build wealth more safely. Whether you're curious about debt recycling, considering a margin loan, or simply want to understand how tax deductions work when investing in shares, this episode will help you make more informed decisions. In this episode, you'll learn: ✔ What negative gearing actually means ✔ Why negative gearing is a tax outcome, not an investment strategy ✔ The difference between margin loans and debt recycling ✔ How investors use borrowed money to invest in shares ✔ The potential tax benefits and wealth-building opportunities ✔ The risks of borrowing to invest ✔ What a margin call is and how it works ✔ How rising interest rates can affect your strategy ✔ The importance of cash flow and emergency savings ✔ 7 practical ways to reduce risk when negatively gearing shares My 7 risk-management rules for borrowing to invest: Diversify your investments Focus on liquid investments Have a clear investment goal Maintain a strong emergency fund Consider reinvesting dividends or using the dividends to service & reduce the investment debt Gradually reduce investment debt - consider a P&I loan over a IO loan - with advice Review your strategy regularly - e.g. every 6 months Key takeaway: Borrowing to invest can accelerate wealth creation, but it can also amplify losses. Before considering a negatively geared share strategy, make sure you understand the risks, have a long-term investment plan and never invest purely for a tax deduction. The goal isn't to create a tax loss. The goal is to build long-term wealth. Resources Mentioned Debt Recycling Explained Margin Loans Explained Emergency Fund Calculator ETF Investing for Beginners LIC Investing Basics Diversification Strategies Understanding Investment Risk 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). negative gearing shares, debt recycling Australia, margin loans Australia, borrowing to invest, leveraged investing, negative gearing alternatives, investing after property negative gearing changes, tax deductions on shares, share investing Australia, ETF investing Australia, LIC investing Australia, wealth building strategies, personal finance Australia, financial independence Australia, passive income investing, share market investing, investment loans Australia, financial planner Australia, Canna Campbell, SugarMamma Fireplay See omnystudio.com/listener for privacy information.

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  • July 9 · 27 min

    START HERE: Mortgage Free… Now What? The Next Money Moves That Build Real Wealth

    Becoming mortgage free is one of the biggest financial milestones you can achieve — but what happens next? In this episode of Start Here (the mini-series within SugarMamma’s Fireplay), Canna answers a powerful listener question from Georgie, who is just four repayments away from owning her home outright. After years of discipline, sacrifice, and consistency, Georgie is ready for her next chapter — but she wants to make sure she doesn’t lose momentum. This episode explores the smart, strategic next steps after paying off your mortgage, including how to transition from debt repayment to wealth creation. Canna walks through the key considerations to help you build long-term financial security, including investing, superannuation strategies, emergency funds, and creating a sustainable financial system that supports both your future goals and your lifestyle today. If you’ve ever wondered what to do after becoming mortgage free — or how to turn this milestone into lasting financial independence — this episode is for you. 🎯 What You’ll Learn in This Episode Why you shouldn’t rush to close your mortgage account How to celebrate financial milestones without losing momentum The importance of building an emergency fund (and how much you actually need) How to define your next financial goals with clarity and intention The difference between investing outside of super vs contributing more to superannuation What debt recycling is and when it may be appropriate Why reviewing your personal insurances is critical at this stage How to build a sustainable financial system that balances wealth creation and lifestyle 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). 💡 Key Topics Covered Mortgage free Australia What to do after paying off mortgage Financial freedom Australia How to build wealth after mortgage Investing vs superannuation Australia Debt recycling strategy explained Emergency fund Australia Passive income strategies Retirement planning Australia Salary sacrificing super benefits Personal finance tips Australia Financial independence for women Money management strategies How to invest after paying off debt Building long term wealth Australia ⚠️ Disclaimer This episode contains general advice only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice from a licensed financial planner before making any financial decisions. 💬 Call to Action If you enjoyed this episode, please make sure you follow the show and leave a rating and review — it helps more people find these conversations. And if you have a question you’d like answered in a future Start Here episode, send it through — I’d love to hear from you. canna@sugarmamma.tv #MortgageFree #FinancialFreedom #MoneyTipsAustralia #InvestingAustralia #PassiveIncome #Superannuation #WealthBuilding #PersonalFinance #FinancialIndependence #SugarMamma See omnystudio.com/listener for privacy information.

    • Transcript
  • July 9 · 30 min

    How to Shop Smarter and Save More Money (Without Buying Less)

    Cost-of-living pressures have changed the way Australians shop. According to new research commissioned by Amazon Australia, - who are proud sponsors of today's episode - share that almost 9 in 10 Australians have changed their shopping habits, and four out of five are now deliberately timing purchases around major sales events - with Amazon Prime Day kicking off this week (Tuesday the 7th of July, through to Monday the 13th of July). But is this really about spending more? Or are Australians simply becoming smarter with their money? In this episode of SugarMamma's Fireplay, I sit down with Duncan Fredericks from Amazon Australia to unpack the key trends of how Aussies are shopping today. We discuss: Why Australians are becoming far more intentional with their spending. How sales events can become part of a budgeting strategy rather than an excuse to impulse shop. The difference between shopping with purpose and shopping emotionally. Practical tools like Wishlists, product reviews and price planning that can help you spend more intentionally. The categories Australians are prioritising during major sales events. How Amazon Resale works and why buying returned or open-box products can help save money while reducing waste. The real value of Amazon Prime beyond sales events, including delivery and entertainment benefits. I also share my own personal shopping philosophy, including the difference between creating a Need List and a Wish List, why I always read reviews before buying, and how thoughtful planning helps me enjoy the convenience of online shopping while freeing up something that's even more valuable than money... my time. Remember: A sale doesn't save you money. Buying the right things does. Thank you to Amazon Australia for sponsoring this episode of SugarMamma's Fireplay. As always, thank you so much for listening. If you enjoyed this episode, please subscribe, leave a review and share it with someone who loves making smarter financial decisions. See omnystudio.com/listener for privacy information.

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  • July 5 · 36 min

    Don’t Let AI Manage Your Money: The Hidden Dangers of AI Financial Advice

    Artificial Intelligence is changing the way we work, learn and manage our money. But should you trust AI to create your financial plan? In this episode of SugarMamma’s Fireplay, I unpack a growing trend I’ve been seeing online: people uploading highly confidential financial documents into AI platforms and relying on the output as their financial strategy. As a Financial Planner with more than 20 years of experience, I believe there is a huge difference between using AI as an educational tool and relying on it to make decisions that could impact your financial future for decades. In this episode, I explain the five biggest risks of using AI to create a financial plan, including: 💰 Why AI can’t understand your personal goals, fears, values and money story 💰 The danger of incomplete information and hidden blind spots 💰 Why there is no accountability if AI gets it wrong 💰 The serious privacy and cyber security risks of uploading confidential financial information 💰 Why financial planning is fluid and requires ongoing review as your life changes I also share how I personally believe AI can be used safely and effectively to improve your financial confidence, including: ✔️ Brainstorming budgeting and money management ideas ✔️ Understanding complex financial concepts ✔️ Comparing different strategies and investment options ✔️ Asking judgement-free money questions ✔️ Summarising financial information and research AI is an incredible tool, but it should support your financial decision-making, not replace it. If you’ve ever wondered whether ChatGPT, Copilot or other AI platforms can replace a Financial Planner, this episode is for you. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). Disclaimer: This podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice from a suitably qualified adviser. AI financial advice, ChatGPT financial planning, AI money advice, financial planner vs AI, Copilot financial planning, ChatGPT investing, personal finance Australia, financial advice risks, artificial intelligence and money, wealth building Australia, investing mistakes, financial planning, money management, superannuation, budgeting, financial literacy, SugarMamma Fireplay. See omnystudio.com/listener for privacy information.

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  • July 2 · 21 min

    START HERE: We Can’t Keep Going Like This… What To Do When Life Feels Financially Impossible

    Right now, many Australian families are doing everything “right” — working hard, budgeting carefully, cutting back — and still feeling like they’re falling behind. In this deeply honest and practical Start Here episode, Canna responds to a message from a listener who feels like they simply can’t keep going under the pressure of rising mortgage repayments and the increasing cost of living. If you’re feeling stretched, exhausted, and like there’s nothing left at the end of the week… this episode is for you. This is not about budgeting harder. This is about understanding what’s really happening, rebuilding hope, and exploring practical ways to relieve financial pressure — without burning out or giving up on your future. In This Episode, You’ll Learn: Why so many households are struggling right now — even when they’re doing everything right The impact of wages not keeping up with inflation and rising living costs How to relieve pressure by reviewing and restructuring your mortgage Why speaking to a mortgage broker could be one of the most powerful next steps How to explore income growth opportunities without sacrificing your family life Why some of the biggest pay rises come from changing jobs — not staying put Short-term strategies to create breathing room when things feel overwhelming Creative options to use your home differently to ease financial pressure How to protect your mental health and family connection during financially stressful times Why this season is temporary — and how to stay connected to your long-term goals To send in your START HERE questions in, please reach out to me canna@sugarmamma.tv - strictly general advice only. Key Takeaway: 👉 You are not failing — the environment has changed. When the cost of living rises faster than income, even the most disciplined households can feel like they’re falling behind. This episode is your reminder that: You are not alone This is not forever And there are still options available to help you move forward Practical Steps to Consider: Request a mortgage rate review from your lender Speak to a mortgage broker to explore refinancing opportunities Consider adjusting your loan structure to reduce repayments Explore new job opportunities or salary negotiations Look at flexible ways to increase household income (if appropriate) Review eligibility for government support or temporary relief options Consider whether your home could generate income or be used differently Protect small, meaningful lifestyle moments to support your wellbeing A Gentle Reminder: If you’re feeling overwhelmed, exhausted, or emotionally drained by financial pressure — please know that your mental health matters just as much as your money. You don’t have to navigate this alone. Disclaimer: This episode contains general financial information only and does not take into account your personal circumstances. For advice tailored to your situation, please speak to a licensed financial planner or mortgage broker. Connect With Me: If you found this episode helpful, please share it with someone who might need to hear it. And if you have a question you’d like answered in the Start Here series, feel free to reach out — you’re never alone in this. Keywords (SEO): cost of living crisis Australia, mortgage stress Australia, rising interest rates, financial stress help, how to reduce mortgage repayments, refinancing home loan Australia, budgeting not working, increase income Australia, family finances under pressure, inflation and wages Australia, financial advice Australia, money stress support, Start Here SugarMamma, Canna Campbell podcast 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). cost of living crisis Australia, selling investment property Australia, inherited property tax Australia, capital gains tax property Australia, financial stress families Australia, mortgage pressure Australia, cashflow management, financial planning Australia, should I sell my investment property, property vs cashflow decision, debt strategy Australia, protecting financial future couples #CostOfLivingCrisis #MoneyStress #PropertyAustralia #FinancialPlanning #StartHerePodcast #Cashflow #InvestingBasics #MoneyDecisions #WealthBuilding #MortgageStress See omnystudio.com/listener for privacy information.

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  • June 28 · 44 min

    How to Build a Better Share Portfolio (Beyond ETFs & LICs) with Roger Montgomery

    How to Build a Better Share Portfolio (Beyond ETFs & LICs) Many Australians begin their investing journey through ETFs, LICs and superannuation — and rightly so, it is the easiest and fastest way to being your investing journey and start earning passive income via dividends. But eventually, many investors become curious about taking the next step: How do you actually identify a great business? What makes one company stronger than another? How do experienced investors determine value? And how do you build a stronger, more intentional share portfolio over time? In this episode of SugarMamma’s Fireplay, I sit down with one of Australia’s most respected value investors, Roger Montgomery, founder of Montgomery Investment Management and author of Value.able. Together, we break down investing in a way that is practical, beginner-friendly and empowering — helping everyday Australians better understand what makes a quality company, how successful investors think, and the habits that matter when building long-term wealth. IN THIS EPISODE WE DISCUSS: The key things to understand before investing in individual shares How experienced investors research companies Why share price and value are not the same thing How to identify quality businesses What Return on Equity (ROE) means and why it matters The importance of management teams and capital allocation Why Roger avoids airlines and certain industries How to practise patience and emotional discipline as an investor Dividends vs growth: finding the right balance The habits that help build serious long-term wealth Roger’s most important investing advice for everyday Australians KEY TAKEAWAYS Successful investing is not about hype or quick wins Great investing starts with understanding quality businesses Patience and discipline matter more than prediction Long-term wealth is built slowly and intentionally Emotional control is one of the most important investing skills Great investors focus on value — not noise ABOUT ROGER MONTGOMERY Roger Montgomery is an Australian value investor, founder of Montgomery Investment Management and author of the investing book Value.able. Roger is widely recognised for helping everyday investors better understand how to identify quality businesses and think more intentionally about long-term investing and value. DISCLAIMER This podcast episode is general information only and does not take into account your personal financial situation, needs or objectives. Always do your own research and seek professional advice where appropriate before making financial decisions. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). See omnystudio.com/listener for privacy information.

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  • June 25 · 30 min

    START HERE: How To Get Your Kids (And Adult Children) Investing In Their Future - helping build financial independence

    Do you feel like you need to have your own finances “perfect” before you start investing for your children? You don’t. In this Start Here episode, Canna breaks down how you can begin building wealth for your kids — even if you’re still learning, growing and figuring things out yourself. Because waiting for the “perfect time” often means missing the most powerful advantage your children have: Time. In this episode, we cover: ✔ Why you don’t need to be financially perfect to get started ✔ The power of starting small (and why consistency matters more) ✔ How investing for your kids can actually strengthen your own financial habits ✔ The emotional benefit of investing with your children, not just for them ✔ How to introduce children to money, investing and long-term thinking ✔ The role of compounding and why time in the market matters ✔ How to think about structure (in simple terms, without overwhelm) ✔ Why this is about building generational knowledge — not just wealth This episode is not about doing everything at once. It’s about: • starting where you are • using what you have • and building something meaningful over time Because one of the most powerful messages you can give a child is: “I believe in your future.” 💡 Key Takeaway You don’t need to be ahead to help someone else start. You just need to begin. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow Academy Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me so I can personally help you. 👉 Enrol here Money Mindset & Manifestation Mentorship Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). ⚠️ General Advice Disclaimer This episode is general financial education only and does not take into account your personal circumstances. Before making any financial decisions, please seek advice from a licensed financial planner or qualified professional. 💬 Let’s Connect If this episode resonated with you: • Share it with a parent who wants to do better with money • DM me your questions for a future Start Here episode • Follow along at @SugarMamma and @CannaCampbellOfficial investing for kids Australia how to invest for children teaching kids about money starting investing with kids generational wealth Australia financial literacy for children beginner investing Australia passive income for families See omnystudio.com/listener for privacy information.

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