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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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  • 32 episodes
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  • Avg 25 min
  • English

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  • Yesterday · 17 min

    The Biggest ETF Investing Mistakes (And How To Avoid Them) - Building long term wealth & independence

    The Biggest ETF Investing Mistakes (And How To Avoid Them) Think you've built a great ETF portfolio? Before you invest another dollar, make sure you're not making one of these common mistakes. In this episode of SugarMamma's Fireplay, Canna Campbell shares the biggest ETF investing mistakes she has seen over more than 20 years as a financial adviser—and, more importantly, exactly what to do instead. Whether you're a beginner investor or already have an ETF portfolio, these practical tips will help you build wealth with greater confidence while avoiding costly investing mistakes. In this episode you'll learn: Why buying multiple ETFs doesn't always mean better diversification The hidden danger of choosing ETFs based purely on the lowest fees Why chasing the best-performing ETF can backfire How to avoid becoming overexposed to one sector, country or asset class Why trying to time the market rarely works The importance of staying invested through market volatility How regular investing can help build wealth over time Why constantly changing your portfolio can hurt long-term returns Why focusing on passive income—not just portfolio value—can change the way you invest The power of patience and letting compounding do the heavy lifting If you're investing in ETFs—or thinking about getting started—this episode will help you avoid the common traps that can quietly reduce your long-term returns. Remember: Successful investing isn't about finding the perfect ETF. It's about building a diversified portfolio, investing consistently, and giving your money time to grow. If you enjoyed this episode, please subscribe, leave a review and share it with someone who is starting their investing journey. 💡 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). Topics: ETF investing, ETF mistakes, beginner investing, ASX ETFs, investing for beginners Australia, passive investing, diversified portfolio, long-term investing, wealth building, financial freedom, personal finance Australia, passive income, investing strategy. See omnystudio.com/listener for privacy information.

    • Transcript
  • Thursday · 17 min

    START HERE: I’m 65, Still Have a Mortgage… Can I Afford to Retire?

    What happens when you reach 65 and your finances don't look anything like the retirement plan you thought you'd have? Today's Start Here question comes from a 65-year-old woman who is single, still working FIFO and still has a mortgage. After attempting retirement at 60, she discovered that the lifestyle she'd imagined left her feeling isolated — and she spent a significant amount of her superannuation in the process. She returned to work, bought a home and started rebuilding. Now she's worried about what would happen if her income disappeared before she's financially ready to retire. In this episode, we look at how to create financial security when you're starting — or perhaps restarting — later in life, without feeling as though you need to spend the rest of your working years frantically catching up. We cover how to: Work out what “enough” actually looks like for your retirement Balance paying down a mortgage with building accessible emergency savings Create a financial runway so losing your job doesn't immediately become a housing crisis Think about alternative or part-time work before you actually need it Consider whether downsizing could improve both your finances and your quality of life Assess lifestyle and retirement villages beyond simply looking at the purchase price Understand why community, connection and purpose belong in a retirement plan too Avoid assuming you're automatically eligible for the downsizer contribution Start thinking about superannuation and Centrelink before you retire Know when specialist financial and legal advice can help you make a major decision with greater confidence Most importantly, we challenge the idea that retirement success simply means reaching a certain age with a paid-off home and a huge super balance. Sometimes retirement doesn't go according to plan. Sometimes the life you thought you wanted turns out not to suit you. And sometimes you find yourself starting again much later than expected. That doesn't mean the only answer is deprivation or desperately trying to make up for lost time. Perhaps financial freedom at this stage of life isn't necessarily about stopping work. It's about reaching the point where you no longer have to work. Because the goal isn't simply to retire. It's to build enough security, income, connection and choice to create a next chapter that actually works for you. This episode contains general information and education only and does not take into account your personal objectives, financial situation or needs. Consider seeking appropriate licensed financial and legal advice before making decisions regarding your mortgage, superannuation, Centrelink entitlements or retirement/lifestyle village arrangements. 💡 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, including our new one: Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm 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
  • September 20 · 29 min

    How To Build Your First ETF Portfolio (Step by Step Guide for Beginner's Financial Freedom))

    How To Build Your First ETF Portfolio (Step by Step) You’ve saved the money. You’ve opened the share trading account. Now comes the big question… which ETF do you actually buy? With hundreds of ETFs to choose from, getting started can quickly become overwhelming. Australian shares, international shares, high-growth funds, dividend ETFs, sector ETFs, bonds—the choices are endless. In this episode of SugarMamma’s Fireplay, I strip away the noise and walk you through a practical, step-by-step process for building your first ETF portfolio. We cover: How to set a clear investment and passive income goal Why your timeframe and risk profile should come before choosing an ETF What an ETF actually is and how diversification works The difference between Australian, international, diversified, sector and defensive ETFs How to give each ETF in your portfolio a clear purpose Why more ETFs doesn’t necessarily mean better diversification How to identify and avoid unnecessary overlap How to work backwards from your passive income goal Why an $80,000 annual passive income target could mean aiming for approximately $1.6 million invested at a hypothetical 5% yield How to actually purchase your first ETF The important administration to complete afterwards—including your TFN, bank details, share registry and record keeping Dividend Reinvestment Plans (DRPs) and how reinvesting distributions can help compound your portfolio over time The goal isn’t to build the perfect portfolio overnight. It’s to build a simple, diversified portfolio you understand, keep contributing to it and give yourself enough time for growth, income and compounding to do their work. And this is only Part One. Next week: I’m sharing the biggest ETF investing mistakes I see—from doubling up on the same investments and chasing past performance to unnecessary fees, overcomplicating your portfolio and constantly changing strategy. If you’re serious about using ETFs to build long-term wealth and passive income, make sure you listen to both episodes. 💡 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). This episode contains general financial information and is for educational purposes only. It does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances and seek professional financial advice where required. See omnystudio.com/listener for privacy information.

    • Transcript
  • September 18 · 17 min

    Skin Longevity: What’s Actually Worth Investing In?

    With so many skincare products, ingredients and promises competing for our attention, how do we know what is actually worth investing in? In this special episode of SugarMamma’s Fireplay, proudly partnered with La Roche-Posay, Canna sits down with leading dermatologist Dr Shreya Andric to cut through the noise and unpack the science of skin longevity, ageing and the appearance of pigmentation. Together they explore why dark spots, sunspots and uneven skin tone can become more noticeable as we age; the different types of hyperpigmentation; why they can be so stubborn to address; and the active ingredients backed by dermatological science. Dr Andric also explains the science behind Melasyl™, how it works alongside ingredients including Niacinamide and Proxylane, and the innovation behind La Roche-Posay’s NEW MELA DOUBLE DOSE, which contains double the concentration of Mela B3 Serum. Most importantly, this conversation is about helping you feel informed and empowered when choosing where to spend your money on skincare — understanding what matters, what the science says, and how consistency and prevention play a role in supporting healthy-looking skin over time. Ask your pharmacist about the NEW MELA DOUBLE DOSE from La Roche-Posay or head to laroche-posay.com.au to learn more. This episode is a paid partnership with La Roche-Posay. See omnystudio.com/listener for privacy information.

    • Transcript
  • September 17 · 33 min

    START HERE: The First Step Is The Hardest - How Michael Finally Took Control Of His Money

    Feeling overwhelmed by money? You're not alone. If you've ever thought: "I know I should be doing something... I just don't know where to start." This episode is for you. Today I'm joined by my co-host, Michael Thompson, to talk honestly about what it was really like before he took control of his finances. We unpack the fear, confusion and overwhelm that kept him stuck, the moment he realised procrastination was costing him more than taking action ever would, and the simple steps that helped him finally begin building financial confidence. Because the truth is, financial freedom doesn't begin with having lots of money. It begins with making one decision: To start. In this episode we discuss: Why so many intelligent people still procrastinate with money How fear and overwhelm keep us financially stuck Michael's personal turning point The biggest mistakes beginners make Why you don't need to know everything before getting started How small, consistent actions create extraordinary results over time The mindset shifts that changed everything How our new book can guide you step-by-step through your own financial journey If you've been waiting for the "perfect time" to organise your money, invest or start building wealth, consider this your sign. Our new book, Twelve Months To Financial Freedom, was written to remove the confusion, simplify the process and help you build financial confidence one month at a time. Whether you're starting from scratch or simply want a clear roadmap, we hope this book becomes the guide we both wish we'd had when we first started. If you enjoyed this episode, please follow the podcast, leave a review and share it with someone who has been saying, "I really need to sort my money out." Because sometimes all it takes is one conversation to change someone's financial future. Grab your copy here: https://link.amazon/B05PhKmRm 💡 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 And of course Twelve Months To Financial Freedom! : https://link.amazon/B05PhKmRm (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
  • September 13 · 19 min

    5 Things We Won’t Be Doing With Our Money After the Federal Budget

    5 Things We Won’t Be Doing After the Federal Budget Whenever a Federal Budget is handed down, the headlines start flying. New taxes. Superannuation changes. Property rules. Cost-of-living measures. Winners. Losers. And while it is important to understand changes that may affect your finances, I don't believe we should allow every new announcement to completely derail a well-thought-out financial plan. In this episode of SugarMamma's Fireplay, I'm flipping the conversation around and sharing five things Tom and I will NOT be doing in response to the Federal Budget — and why. In this episode, I share: 1. We won't stop working towards our goals We're not throwing our hands in the air and saying, "What's the point?" We'll continue working, growing our businesses, investing in our financial wellbeing and building towards the life we want. Governments and policies will change throughout our lifetime. Our responsibility for our own financial future remains. 2. We won't sit on excessive amounts of cash Having an emergency fund and accessible cash reserves is incredibly important. But beyond the cash we genuinely need, we don't plan on allowing fear to push us into unnecessarily sitting on the sidelines. We'll continue putting our money to work thoughtfully and in line with our long-term goals. 3. We won't overcapitalise on our home Your home can be an incredible asset — financially and emotionally. But that doesn't mean every spare dollar needs to disappear into renovations, upgrades and improvements. We still want to be disciplined about how much money we put into our home and make sure we're not sacrificing other important financial goals in the process. 4. We won't take on more debt than we can comfortably afford Debt can be useful when it is carefully considered and strategically managed. But taking on excessive debt — particularly expensive or non-deductible debt — can dramatically reduce your financial flexibility. We want our financial position to give us choices, not leave us trapped by repayments. 5. We won't panic about superannuation Superannuation rules will continue to evolve over the decades. That doesn't mean we're abandoning super or making dramatic decisions based on fear about what a future government may or may not do. Super remains an important part of our long-term retirement strategy, and we'll continue making decisions based on our own circumstances, professional advice and the rules that apply at the time. The bigger message This episode isn't about ignoring the Federal Budget. It's about responding rather than reacting. Understand the changes. Work out which ones genuinely affect you. Get professional advice where you need it. Adjust your strategy if necessary. But don't allow frightening headlines, political noise or speculation about what might happen next to push you into making financial decisions that don't serve your long-term goals. Because ultimately, governments will change. Rules will change. Markets will change. But the fundamentals of building financial wellbeing remain remarkably consistent: Spend thoughtfully. Protect your cash flow. Be careful with debt. Invest for the long term. Diversify. And keep working towards the financial life that matters to you. 🎧 Listen to the full episode of SugarMamma's Fireplay wherever you get your podcasts. 💡 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, including our new one: Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm 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). General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking professional financial, tax and/or legal advice appropriate to your circumstances. See omnystudio.com/listener for privacy information.

    • Transcript
  • September 10 · 21 min

    START HERE: Negative Equity Explained: 8 Smart Ways to Protect Your Home and Your Finances

    My House Is Worth Less Than I Paid. What Should I Do? Buying your first home is one of the biggest financial decisions you'll ever make. So, when headlines start warning about falling house prices, negative equity, and first-home buyers being "trapped", it's completely understandable to feel anxious. But does negative equity automatically mean financial disaster? In this episode of Start Here, Canna explains exactly what negative equity is, why it's suddenly making headlines, who is most at risk, and—most importantly—the practical steps you can take to protect yourself and your financial future. Whether you've recently purchased your first home, bought with a 5% deposit, or you're a parent worried about your adult child, this episode will help you separate fear from fact and focus on what you can actually control. In this episode we cover: What negative equity actually means (and why it isn't always a financial emergency) Why first-home buyers with small deposits are more exposed to falling property prices Why property markets naturally move in cycles When negative equity becomes a genuine problem—and when it doesn't Why selling too early can lock in financial losses How making extra mortgage repayments can rebuild equity faster Practical ways to improve your cash flow and pay down your home loan sooner When renovating can help increase your property's value—and how to avoid overcapitalising Why obtaining an independent property valuation may surprise you When to speak with your lender or mortgage broker if you're feeling financial pressure Could renting out your home instead of selling be a smarter long-term strategy? The biggest mistakes homeowners make when property prices fall Why staying calm during market downturns is often one of the best financial decisions you can make Key Takeaway Negative equity doesn't automatically mean you've made a bad financial decision. If you can comfortably afford your mortgage repayments and aren't forced to sell, time, consistent mortgage repayments and sensible financial decisions can help rebuild your equity. While you can't control the property market, you can absolutely control your cash flow, your mortgage strategy and the financial habits that strengthen your long-term wealth. If you enjoyed this episode, please subscribe, leave a review, and share it with someone who has recently bought their first home or is worried about the property market. Please note: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before making financial decisions, consider seeking advice from a qualified financial adviser, accountant or mortgage professional 💡 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
  • September 6 · 23 min

    The Property Tax Trap That Could Cost Investors $70,000?

    Could Missing This Property Valuation Cost You Thousands in Tax? There’s a major capital gains tax (CGT) change coming for Australian property investors—and surprisingly, very few people are talking about it. If you own an investment property, 30 June 2027 could become one of the most important dates in your financial calendar. In this episode, I explain why obtaining a professional property valuation before the new CGT rules begin could potentially save some investors tens of thousands of dollars when they eventually sell. You'll learn: Why Australia's capital gains tax rules are changing from 1 July 2027 Why 30 June 2027 could be a critical date for investment property owners The difference between relying on a professional valuation versus the government's default CGT calculation Why some investors could pay significantly more tax without a valuation A simple example showing how the two approaches may produce very different outcomes Why waiting until the last minute could create a rush for qualified valuers Practical steps to take now to help protect your wealth Remember, this episode is general information only and is designed to help you understand an important upcoming change. Whether obtaining a professional valuation is appropriate for your circumstances is something you should discuss with your accountant or registered tax adviser. If you know someone who owns an investment property, please share this episode with them. It could save them from an expensive mistake years down the track. 💡 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). Capital Gains Tax | CGT | Property Investors | Investment Property | Property Valuation | 30 June 2027 | Tax Planning | Australian Property | Capital Gains | Tax Changes | Wealth Protection | Property Tax | Financial Planning | Real Estate Investing | Australia See omnystudio.com/listener for privacy information.

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  • September 3 · 11 min

    START HERE: The Bank of Mum and Dad: How to Help Without Going Broke

    Has the Bank of Mum and Dad closed its doors? After appearing on the Today Show to discuss a new report showing fewer parents are helping their children into the property market, I knew this was a conversation we needed to have. This isn’t based on a listener question. Instead, it’s inspired by the growing uncertainty many Australian families are feeling right now. If you’ve ever wondered: Should I help my children buy a home? Am I selfish if I can’t afford to help? How do I protect my retirement while still supporting my family? What are the alternatives to gifting a six-figure deposit? …then this episode is for you. In this episode, I explain: Why many parents are pressing pause on helping adult children buy property. How the changing investment landscape is affecting family financial decisions. The growing wealth gap—and why compassion matters on both sides. Practical ways to support your children without risking your own financial future. Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits. What to consider before acting as a guarantor, lending money or gifting a deposit. Why protecting your own financial independence is one of the greatest gifts you can give your children. Whether you’re a parent trying to make the right decision or an adult child wanting to better understand your parents’ perspective, this episode will help you navigate one of the most emotional financial conversations many Australian families are facing today. Remember: Supporting your children isn’t always about giving them money. Sometimes it’s about giving them the confidence, skills and financial habits to build lasting wealth for themselves. 💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home. 🎧 Subscribe to Start Here so you never miss an episode, and if you’re enjoying the podcast, I’d be so grateful if you left a review—it helps more Australians discover practical, trusted financial guidance. 💡 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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  • August 30 · 28 min

    Makeup Over 40: What’s Worth Your Money & What’s Not

    Makeup Over 40: What’s Worth Your Money & What’s Not Self-care is worth investing in — but wasting money on beauty products isn’t. In this episode of SugarMamma’s FIREPLAY, Canna sits down with celebrity makeup artist Mia to talk about beauty, money and how our makeup needs can change after 40. As our skin changes through our 40s, perimenopause and beyond, the products and techniques that once worked for us may not work in quite the same way anymore. But that doesn’t mean we need to throw everything out, buy an entirely new makeup bag or spend hundreds of dollars chasing the latest beauty trends. Mia shares her professional tips for looking and feeling great while being smarter with our beauty spending. In this episode, we cover: Why makeup can start behaving differently on skin after 40 How to use more of the makeup you already own The biggest makeup mistakes women over 40 make Budget beauty vs luxury makeup — where to save and where it may be worth spending How Mia would build a simple makeup kit on a $100–$150 budget The skincare basics that can help makeup look better on mature skin A quick five-minute makeup routine for busy women Multitasking products that can save money, time and bathroom space How to avoid wasting money on products you never use Why self-care and financial wellbeing don't have to compete with each other Because being good with money isn't about never spending on yourself. It's about spending intentionally on the things that genuinely add value to your life. Learn more from Mia If you enjoyed Mia's advice in this episode, check out her Over 40s Club, where she teaches practical makeup techniques specifically designed for women over 40 and our changing skin and features. Mia's Over 40s Club Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances and seek professional advice where required. 💡 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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  • August 27 · 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.

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  • August 23 · 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.

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  • 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.

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  • 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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