SugarMamma’s Fireplay

Episode

• START HERE: Super vs Shares: Where Should Your Next Investment Dollar Go? 16.07.2026 21mnt

  Many Australians eventually reach the same crossroads in their wealth-building journey: Should I invest more money into superannuation? Or should I build wealth outside of super? In this week's Start Here episode, inspired by a listener question, we're unpacking one of the most important investing decisions you'll ever make. Using a real-life example of a 38-year-old investor with $372,000 in superannuation and a growing share portfolio, we explore the advantages and disadvantages of investing inside and outside super, including: ✔️ The tax benefits of superannuation ✔️ The power of flexibility and accessibility ✔️ Why inflation can dramatically impact your retirement goals ✔️ How to know if you're already on track for retirement ✔️ The difference between maximising wealth and maximising freedom ✔️ Why investing isn't always an either-or decision ✔️ The pros and cons of building wealth inside and outside super We also walk through retirement projections, discuss the risks of relying on a single wealth structure, and explore why many Australians deliberately build wealth both inside and outside superannuation. Most importantly, you'll learn how to think about your next investment decision through the lens of your goals, lifestyle and future financial freedom. Because sometimes the best financial decision isn't simply about maximising returns. Sometimes it's about creating more options for your future self. In This Episode Why there is no universal answer to the super vs shares debate Understanding retirement income in today's dollars versus future dollars How inflation quietly changes retirement planning Example projections for a 38-year-old investor The advantages of investing more into superannuation The disadvantages of locking away wealth until retirement The benefits of building passive income outside super How flexibility can become more important than tax efficiency Why many investors choose to do both Remember Financial freedom isn't about having the biggest portfolio. It's about having choices. 🎧 Have a money question you'd like answered on Start Here? Email your question and it may feature in a future episode of SugarMamma's Fireplay. canna@sugarmamma.tv - strictly general advice only #Superannuation #Investing #RetirementPlanning #PassiveIncome #FinancialFreedom #ETFs #AustralianShares #MoneyPodcast #SugarMamma #FireplayPodcast 💡 If you want my help with your Budget or Money Mindset Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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.
• Negative Gearing Shares: Margin Loans, Debt Recycling & The Risks You Need To Know 12.07.2026 29mnt

  With recent changes to negative gearing for investment properties, many Australians are starting to ask an important question: Can you negatively gear shares instead? The answer is yes — but borrowing to invest in the share market comes with its own risks, responsibilities and opportunities. In this episode of SugarMamma's Fireplay, financial planner Canna Campbell explains how negative gearing shares works, the two most common ways Australians borrow to invest, and the practical steps you can take to reduce your risk and build wealth more safely. Whether you're curious about debt recycling, considering a margin loan, or simply want to understand how tax deductions work when investing in shares, this episode will help you make more informed decisions. In this episode, you'll learn: ✔ What negative gearing actually means ✔ Why negative gearing is a tax outcome, not an investment strategy ✔ The difference between margin loans and debt recycling ✔ How investors use borrowed money to invest in shares ✔ The potential tax benefits and wealth-building opportunities ✔ The risks of borrowing to invest ✔ What a margin call is and how it works ✔ How rising interest rates can affect your strategy ✔ The importance of cash flow and emergency savings ✔ 7 practical ways to reduce risk when negatively gearing shares My 7 risk-management rules for borrowing to invest: Diversify your investments Focus on liquid investments Have a clear investment goal Maintain a strong emergency fund Consider reinvesting dividends or using the dividends to service & reduce the investment debt Gradually reduce investment debt - consider a P&I loan over a IO loan - with advice Review your strategy regularly - e.g. every 6 months Key takeaway: Borrowing to invest can accelerate wealth creation, but it can also amplify losses. Before considering a negatively geared share strategy, make sure you understand the risks, have a long-term investment plan and never invest purely for a tax deduction. The goal isn't to create a tax loss. The goal is to build long-term wealth. Resources Mentioned Debt Recycling Explained Margin Loans Explained Emergency Fund Calculator ETF Investing for Beginners LIC Investing Basics Diversification Strategies Understanding Investment Risk 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).   negative gearing shares, debt recycling Australia, margin loans Australia, borrowing to invest, leveraged investing, negative gearing alternatives, investing after property negative gearing changes, tax deductions on shares, share investing Australia, ETF investing Australia, LIC investing Australia, wealth building strategies, personal finance Australia, financial independence Australia, passive income investing, share market investing, investment loans Australia, financial planner Australia, Canna Campbell, SugarMamma FireplaySee omnystudio.com/listener for privacy information.
• START HERE: Mortgage Free… Now What? The Next Money Moves That Build Real Wealth 09.07.2026 27mnt

  Becoming mortgage free is one of the biggest financial milestones you can achieve — but what happens next? In this episode of Start Here (the mini-series within SugarMamma’s Fireplay), Canna answers a powerful listener question from Georgie, who is just four repayments away from owning her home outright. After years of discipline, sacrifice, and consistency, Georgie is ready for her next chapter — but she wants to make sure she doesn’t lose momentum. This episode explores the smart, strategic next steps after paying off your mortgage, including how to transition from debt repayment to wealth creation. Canna walks through the key considerations to help you build long-term financial security, including investing, superannuation strategies, emergency funds, and creating a sustainable financial system that supports both your future goals and your lifestyle today. If you’ve ever wondered what to do after becoming mortgage free — or how to turn this milestone into lasting financial independence — this episode is for you. 🎯 What You’ll Learn in This Episode Why you shouldn’t rush to close your mortgage account How to celebrate financial milestones without losing momentum The importance of building an emergency fund (and how much you actually need) How to define your next financial goals with clarity and intention The difference between investing outside of super vs contributing more to superannuation What debt recycling is and when it may be appropriate Why reviewing your personal insurances is critical at this stage How to build a sustainable financial system that balances wealth creation and lifestyle 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).   💡 Key Topics Covered  Mortgage free AustraliaWhat to do after paying off mortgageFinancial freedom AustraliaHow to build wealth after mortgageInvesting vs superannuation AustraliaDebt recycling strategy explainedEmergency fund AustraliaPassive income strategiesRetirement planning AustraliaSalary sacrificing super benefitsPersonal finance tips AustraliaFinancial independence for womenMoney management strategiesHow to invest after paying off debtBuilding long term wealth Australia ⚠️ Disclaimer This episode contains general advice only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice from a licensed financial planner before making any financial decisions. 💬 Call to Action If you enjoyed this episode, please make sure you follow the show and leave a rating and review — it helps more people find these conversations. And if you have a question you’d like answered in a future Start Here episode, send it through — I’d love to hear from you. canna@sugarmamma.tv    #MortgageFree#FinancialFreedom#MoneyTipsAustralia#InvestingAustralia#PassiveIncome#Superannuation#WealthBuilding#PersonalFinance#FinancialIndependence#SugarMammaSee omnystudio.com/listener for privacy information.
• How to Shop Smarter and Save More Money (Without Buying Less) 09.07.2026 30mnt

  Cost-of-living pressures have changed the way Australians shop. According to new research commissioned by Amazon Australia, - who are proud sponsors of today's episode - share that almost 9 in 10 Australians have changed their shopping habits, and four out of five are now deliberately timing purchases around major sales events - with Amazon Prime Day kicking off this week (Tuesday the 7th of July, through to Monday the 13th of July). But is this really about spending more? Or are Australians simply becoming smarter with their money? In this episode of SugarMamma's Fireplay, I sit down with Duncan Fredericks from Amazon Australia to unpack the key trends of how Aussies are shopping today. We discuss: Why Australians are becoming far more intentional with their spending. How sales events can become part of a budgeting strategy rather than an excuse to impulse shop. The difference between shopping with purpose and shopping emotionally. Practical tools like Wishlists, product reviews and price planning that can help you spend more intentionally. The categories Australians are prioritising during major sales events. How Amazon Resale works and why buying returned or open-box products can help save money while reducing waste. The real value of Amazon Prime beyond sales events, including delivery and entertainment benefits. I also share my own personal shopping philosophy, including the difference between creating a Need List and a Wish List, why I always read reviews before buying, and how thoughtful planning helps me enjoy the convenience of online shopping while freeing up something that's even more valuable than money... my time. Remember: A sale doesn't save you money. Buying the right things does. Thank you to Amazon Australia for sponsoring this episode of SugarMamma's Fireplay. As always, thank you so much for listening. If you enjoyed this episode, please subscribe, leave a review and share it with someone who loves making smarter financial decisions.    See omnystudio.com/listener for privacy information.
• Don’t Let AI Manage Your Money: The Hidden Dangers of AI Financial Advice 05.07.2026 36mnt

  Artificial Intelligence is changing the way we work, learn and manage our money. But should you trust AI to create your financial plan? In this episode of SugarMamma’s Fireplay, I unpack a growing trend I’ve been seeing online: people uploading highly confidential financial documents into AI platforms and relying on the output as their financial strategy. As a Financial Planner with more than 20 years of experience, I believe there is a huge difference between using AI as an educational tool and relying on it to make decisions that could impact your financial future for decades. In this episode, I explain the five biggest risks of using AI to create a financial plan, including: 💰 Why AI can’t understand your personal goals, fears, values and money story 💰 The danger of incomplete information and hidden blind spots 💰 Why there is no accountability if AI gets it wrong 💰 The serious privacy and cyber security risks of uploading confidential financial information 💰 Why financial planning is fluid and requires ongoing review as your life changes I also share how I personally believe AI can be used safely and effectively to improve your financial confidence, including: ✔️ Brainstorming budgeting and money management ideas ✔️ Understanding complex financial concepts ✔️ Comparing different strategies and investment options ✔️ Asking judgement-free money questions ✔️ Summarising financial information and research AI is an incredible tool, but it should support your financial decision-making, not replace it. If you’ve ever wondered whether ChatGPT, Copilot or other AI platforms can replace a Financial Planner, this episode is for you. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). Disclaimer: This podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice from a suitably qualified adviser. AI financial advice, ChatGPT financial planning, AI money advice, financial planner vs AI, Copilot financial planning, ChatGPT investing, personal finance Australia, financial advice risks, artificial intelligence and money, wealth building Australia, investing mistakes, financial planning, money management, superannuation, budgeting, financial literacy, SugarMamma Fireplay.See omnystudio.com/listener for privacy information.
• START HERE: We Can’t Keep Going Like This… What To Do When Life Feels Financially Impossible 02.07.2026 21mnt

  Right now, many Australian families are doing everything “right” — working hard, budgeting carefully, cutting back — and still feeling like they’re falling behind. In this deeply honest and practical Start Here episode, Canna responds to a message from a listener who feels like they simply can’t keep going under the pressure of rising mortgage repayments and the increasing cost of living. If you’re feeling stretched, exhausted, and like there’s nothing left at the end of the week… this episode is for you. This is not about budgeting harder. This is about understanding what’s really happening, rebuilding hope, and exploring practical ways to relieve financial pressure — without burning out or giving up on your future. In This Episode, You’ll Learn: Why so many households are struggling right now — even when they’re doing everything right The impact of wages not keeping up with inflation and rising living costs How to relieve pressure by reviewing and restructuring your mortgage Why speaking to a mortgage broker could be one of the most powerful next steps How to explore income growth opportunities without sacrificing your family life Why some of the biggest pay rises come from changing jobs — not staying put Short-term strategies to create breathing room when things feel overwhelming Creative options to use your home differently to ease financial pressure How to protect your mental health and family connection during financially stressful times Why this season is temporary — and how to stay connected to your long-term goals To send in your START HERE questions in, please reach out to me canna@sugarmamma.tv - strictly general advice only. Key Takeaway: 👉 You are not failing — the environment has changed. When the cost of living rises faster than income, even the most disciplined households can feel like they’re falling behind. This episode is your reminder that: You are not alone This is not forever And there are still options available to help you move forward Practical Steps to Consider: Request a mortgage rate review from your lender Speak to a mortgage broker to explore refinancing opportunities Consider adjusting your loan structure to reduce repayments Explore new job opportunities or salary negotiations Look at flexible ways to increase household income (if appropriate) Review eligibility for government support or temporary relief options Consider whether your home could generate income or be used differently Protect small, meaningful lifestyle moments to support your wellbeing A Gentle Reminder: If you’re feeling overwhelmed, exhausted, or emotionally drained by financial pressure — please know that your mental health matters just as much as your money. You don’t have to navigate this alone. Disclaimer: This episode contains general financial information only and does not take into account your personal circumstances. For advice tailored to your situation, please speak to a licensed financial planner or mortgage broker. Connect With Me: If you found this episode helpful, please share it with someone who might need to hear it. And if you have a question you’d like answered in the Start Here series, feel free to reach out — you’re never alone in this. Keywords (SEO): cost of living crisis Australia, mortgage stress Australia, rising interest rates, financial stress help, how to reduce mortgage repayments, refinancing home loan Australia, budgeting not working, increase income Australia, family finances under pressure, inflation and wages Australia, financial advice Australia, money stress support, Start Here SugarMamma, Canna Campbell podcast 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).   cost of living crisis Australia, selling investment property Australia, inherited property tax Australia, capital gains tax property Australia, financial stress families Australia, mortgage pressure Australia, cashflow management, financial planning Australia, should I sell my investment property, property vs cashflow decision, debt strategy Australia, protecting financial future couples #CostOfLivingCrisis #MoneyStress #PropertyAustralia #FinancialPlanning #StartHerePodcast #Cashflow #InvestingBasics #MoneyDecisions #WealthBuilding #MortgageStressSee omnystudio.com/listener for privacy information.
• How to Build a Better Share Portfolio (Beyond ETFs & LICs) with Roger Montgomery 28.06.2026 44mnt

  How to Build a Better Share Portfolio (Beyond ETFs & LICs) Many Australians begin their investing journey through ETFs, LICs and superannuation — and rightly so, it is the easiest and fastest way to being your investing journey and start earning passive income via dividends.  But eventually, many investors become curious about taking the next step:How do you actually identify a great business?What makes one company stronger than another?How do experienced investors determine value?And how do you build a stronger, more intentional share portfolio over time? In this episode of SugarMamma’s Fireplay, I sit down with one of Australia’s most respected value investors, Roger Montgomery, founder of Montgomery Investment Management and author of Value.able. Together, we break down investing in a way that is practical, beginner-friendly and empowering — helping everyday Australians better understand what makes a quality company, how successful investors think, and the habits that matter when building long-term wealth. IN THIS EPISODE WE DISCUSS: The key things to understand before investing in individual shares How experienced investors research companies Why share price and value are not the same thing How to identify quality businesses What Return on Equity (ROE) means and why it matters The importance of management teams and capital allocation Why Roger avoids airlines and certain industries How to practise patience and emotional discipline as an investor Dividends vs growth: finding the right balance The habits that help build serious long-term wealth Roger’s most important investing advice for everyday Australians KEY TAKEAWAYS Successful investing is not about hype or quick wins Great investing starts with understanding quality businesses Patience and discipline matter more than prediction Long-term wealth is built slowly and intentionally Emotional control is one of the most important investing skills Great investors focus on value — not noise ABOUT ROGER MONTGOMERY Roger Montgomery is an Australian value investor, founder of Montgomery Investment Management and author of the investing book Value.able. Roger is widely recognised for helping everyday investors better understand how to identify quality businesses and think more intentionally about long-term investing and value. DISCLAIMER This podcast episode is general information only and does not take into account your personal financial situation, needs or objectives. Always do your own research and seek professional advice where appropriate before making financial decisions. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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.
• START HERE: How To Get Your Kids (And Adult Children) Investing In Their Future - helping build financial independence 25.06.2026 30mnt

  Do you feel like you need to have your own finances “perfect” before you start investing for your children? You don’t. In this Start Here episode, Canna breaks down how you can begin building wealth for your kids — even if you’re still learning, growing and figuring things out yourself. Because waiting for the “perfect time” often means missing the most powerful advantage your children have: Time. In this episode, we cover: ✔ Why you don’t need to be financially perfect to get started✔ The power of starting small (and why consistency matters more)✔ How investing for your kids can actually strengthen your own financial habits✔ The emotional benefit of investing with your children, not just for them✔ How to introduce children to money, investing and long-term thinking✔ The role of compounding and why time in the market matters✔ How to think about structure (in simple terms, without overwhelm)✔ Why this is about building generational knowledge — not just wealth This episode is not about doing everything at once. It’s about:• starting where you are• using what you have• and building something meaningful over time Because one of the most powerful messages you can give a child is: “I believe in your future.” 💡 Key Takeaway You don’t need to be ahead to help someone else start. You just need to begin. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). ⚠️ General Advice Disclaimer This episode is general financial education only and does not take into account your personal circumstances. Before making any financial decisions, please seek advice from a licensed financial planner or qualified professional. 💬 Let’s Connect If this episode resonated with you: • Share it with a parent who wants to do better with money• DM me your questions for a future Start Here episode• Follow along at @SugarMamma and @CannaCampbellOfficial   investing for kids Australiahow to invest for childrenteaching kids about moneystarting investing with kidsgenerational wealth Australiafinancial literacy for childrenbeginner investing Australiapassive income for families See omnystudio.com/listener for privacy information.
• 7 Ways To Relieve Mortgage Pressure Right Now - Home Loan Help 21.06.2026 26mnt

  So many Australians feel financially exhausted right now.  If you need help reviewing your mortgage, understanding your options or improving your cashflow structure, Adam can be contacted here: Adam.mccabe@bluelantern.com.au or 0423 685 133 Please know that I do not receive any benefit both upfront and ongoing if you work with Adam. I am grateful for his time and the value that he gives us and the peace of mind that I get knowing that if you do work with Adam, that you are in very capable hands.  Back to the cost of living crisis and raising interest rates...most households have already: cut discretionary spending cancelled subscriptions reduced eating out delayed holidays tried budgeting harder …but mortgage and rent pressure and cost of living stress still feel overwhelming. This episode is about: practical options creating breathing room reducing stress understanding available tools acting early rather than avoiding the issue Key message: “Sometimes the goal during a difficult season is not getting ahead financially overnight. Sometimes the goal is simply stabilising and protecting your home.” INTRODUCTION TALKING POINTS Mortgage stress is affecting many Australians Even financially responsible households are struggling People often don’t realise there may be options available Today’s episode = practical strategies, not panic Adam will explain: benefits risks costs long-term considerations Transition: “Adam, let’s walk through 7 ways Australians may be able to relieve some mortgage pressure right now.” 1. ASK YOUR BANK FOR A BETTER RATEDiscussion Points Many loyal customers are paying unnecessarily high rates Banks often reserve sharper pricing for new customers Small reductions can create meaningful monthly savings People should regularly review their rate Example $750,000 mortgage: What does a 0.25% reduction potentially save monthly? What does it save yearly? Important Notes Ask politely but confidently Mention competitor rates Use a broker if needed Risks / Considerations Fixed loans may have break costs Cheapest rate is not always the best loan structure 2. EXTEND YOUR LOAN TERM TO REDUCE REPAYMENTSDiscussion Points Extending from say 25 years back to 30 years Reduces minimum repayments Creates short-term breathing room Key Message “This can be about survival and stability, not failure.” Risks / Costs More interest paid long term Slower debt reduction Should ideally be reviewed later when finances improve 3. REFINANCE YOUR MORTGAGEDiscussion Points Better rates Improved cashflow Better loan features Debt consolidation opportunities High Interest Debt Discussion Credit cards personal loans buy now pay later debt Important Message “The earlier people act, the more options they generally have.” Risks / Considerations Extending short-term debt over 30 years Fees and refinancing costs Need discipline to avoid re-building debt 4. SPEAK TO YOUR BANK EARLY ABOUT FINANCIAL HARDSHIPDiscussion Points Many people avoid this conversation out of fear or shame Banks may offer temporary support options Support is usually easier BEFORE repayments are missed Potential Options repayment pauses reduced repayments temporary interest only restructuring Emotional Talking Point “Avoidance usually increases stress.” Important Reminder Seeking help early is smart and proactive 5. UTILISE OFFSET & REDRAW FACILITIES PROPERLYDiscussion Points Many people don’t fully understand offsets Savings sitting in offset reduce interest charged Offset = flexible emergency buffer Example $10,000 sitting in an offset against a $750,000 mortgage: how much interest may potentially be saved? Redraw Discussion difference between redraw vs offset accessibility discipline Risks / Considerations Redraw rules can change Tax implications for future investment strategies (general mention only) 6. REVIEW REPAYMENT FREQUENCY & LOAN STRUCTUREDiscussion Points Weekly/fortnightly repayments can reduce interest faster BUT may worsen cashflow stress for some households Important Nuance “The mathematically optimal strategy isn’t always the best strategy for your mental health or cashflow right now.” Discussion Areas Switching temporarily back to monthly repayments Timing cashflow with salary cycles Reviewing split loans Simplifying structure Risks / Considerations Monthly repayments may increase total long-term interest slightly But may improve immediate breathing room 7. CONSIDER TEMPORARY INTEREST-ONLY REPAYMENTSDiscussion Points Can significantly reduce repayments short term Creates breathing room during difficult periods Should be strategic and temporary Important Framing “There is no shame in needing breathing room.” Risks / Costs Higher long-term interest costs Slower principal reduction Not suitable forever Lending criteria apply KEY THEMES TO REPEAT THROUGHOUT EPISODE Seek help early Don’t ignore the problem Cashflow management matters Protect your mental health There is no shame in adjusting strategy temporarily Every household situation is different Long-term plans can be adjusted during difficult seasons CONCLUSIONFinal Talking Points Many Australians are feeling overwhelmed right now Mortgage stress is incredibly common There are often more options available than people realise Small adjustments can create meaningful breathing room Early action creates more flexibility Final message: “The goal right now may simply be stability — and that is completely okay.”  See omnystudio.com/listener for privacy information.
• START HERE: Debt Recycling, CGT Changes & a Baby on the Way: Should We Change Our Wealth Plan? 18.06.2026 23mnt

  Debt Recycling, CGT Changes & a Baby on the Way: Should We Change Our Wealth Plan? In this Start Here episode, Canna answers a thoughtful question from a listener who is debt recycling their mortgage into a share portfolio while preparing to welcome their first child. With ongoing discussion around proposed changes to Capital Gains Tax (CGT) and Negative Gearing, many investors are understandably wondering whether they should rethink their long-term wealth building strategy. In this episode, Canna explains what these potential changes could mean, who may actually be impacted, and why reconnecting with your financial goals is often more important than reacting to political headlines. In This Episode: ✔️ What debt recycling is and how it works ✔️ Why negative gearing and debt recycling are not necessarily the same thing ✔️ How proposed tax changes may affect investors differently ✔️ The key difference between investing for capital growth and passive income ✔️ Why CGT only becomes relevant when you sell an asset ✔️ When it may be worth seeking personalised financial advice ✔️ The additional risks of borrowing to invest when starting a family ✔️ Why emergency savings become even more important during major life transitions ✔️ Reviewing personal insurance when children arrive ✔️ The role superannuation should continue to play in your long-term wealth strategy ✔️ How to avoid making emotional decisions based on financial headlines ✔️ Why financial flexibility often matters more than chasing the perfect tax outcome Key Takeaway Governments change.Tax rules change.Markets change. But timeless wealth-building principles remain remarkably consistent: • Stay diversified• Manage debt carefully• Protect your cashflow• Build emergency reserves• Review your strategy regularly• Invest with purpose• Focus on long-term goals rather than short-term noise The most successful investors are often not those who predict the future perfectly, but those who build resilient financial plans that can adapt as life changes. General Advice Warning The information discussed in this episode is general advice only and 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, accountant or mortgage broker. Connect With Canna 📚 Author of The $1,000 Project, Mindful Money and Financial Freedom 🎙️ Host of SugarMamma’s Fireplay 📱 Instagram:@SugarMammaTV@CannaCampbellOfficial 🌐 Learn more at  SugarMammaTV 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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). #DebtRecycling #CapitalGainsTax #CGT #InvestingAustralia #AustralianShares #PassiveIncome #FinancialFreedom #MoneyMindset #WealthBuilding #FinancialPlanning #MortgageStrategy #BorrowingToInvest #PersonalFinanceAustralia #StartHere #SugarMammasFireplay #FinancialEducation #InvestingForBeginners #MoneyPodcast #FinancialSecurity #FamilyFinanceSee omnystudio.com/listener for privacy information.
• Fast Fashion, Fake Identity & The Hidden Cost of Consumer Culture - Carlz Soderstrom 14.06.2026 49mnt

  Have you ever opened your wardrobe and felt like you had nothing to wear… despite owning so much? In this episode of SugarMamma’s Fireplay, I sit down with Carlz J Soderstrom — a lifestyle photographer and visual storyteller whose work explores the deeper cultural shifts behind consumerism, identity and modern fashion. What started as a conversation about Australian fashion quickly unfolds into something much bigger. Together, we unpack: Why fast fashion has changed the way we consume The psychology behind overconsumption and “having nothing to wear” How social media is shaping identity through what we buy The disconnect between what’s marketed to us and what’s actually real Whether clothing today is designed to last — or to be replaced And how to reconnect with your own values, style and spending habits This is not just a conversation about clothes. It’s about awareness. Because every unnecessary purchase doesn’t just take up space in your wardrobe…it takes away from your ability to build long-term financial security and freedom. If you’ve ever felt stuck in a cycle of buying more but feeling less satisfied — this episode will change the way you think about fashion, money and yourself. What You’ll Learn: Why modern fashion feels disposable How marketing influences your spending decisions The link between identity and consumer behaviour How to build a more intentional and timeless wardrobe Practical ways to spend less — without sacrificing style Connect with Carlz J Soderstrom: https://www.instagram.com/carlzjsoda/  and this: https://www.instagram.com/reel/DVyF_lrkuTG/  💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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.
• START HERE: Is Micro-Investing Enough? What To Know Before You Rely On Micro- investing Apps 11.06.2026 26mnt

  In today’s Start Here episode, we’re answering a very common question: 👉 “Is micro-investing enough… and is something like Raiz a good place to start?” If you’ve ever felt unsure about how to begin investing — or you’ve come across apps like Raiz Invest and wondered if they’re the right path — this episode will give you the clarity you need. This is not about right or wrong. It’s about understanding:✔️ How micro-investing works✔️ Where it fits in your financial journey✔️ And when it may be time to evolve your strategy 💡 WHAT YOU’LL LEARN In this episode, I break down: What micro-investing actually is and how platforms like Raiz work The power of round-ups and why they’re so effective for building habits The pros of micro-investing (especially for beginners) The hidden limitations that can hold you back long term The difference between a custodian model vs owning investments in your own name What happens when you transition to a traditional platform (including CGT and brokerage) Why investing amounts matter and how parcel size impacts your returns What to look for in a long-term, more powerful investment platform How to build a simple, scalable investing strategy that grows with you ⚖️ KEY TAKEAWAYS Micro-investing is a great place to start, but not always where you should stay Round-ups help build consistency — but they are not a complete investment strategy Fees, structure, and flexibility matter more as your portfolio grows Transitioning platforms may involve capital gains tax and brokerage costs Building wealth long-term often requires larger, more intentional investment contributions Your investing platform should evolve as your confidence, knowledge, and goals grow 🎯 WHO THIS EPISODE IS FOR This episode is perfect for you if: You’re new to investing and want a simple place to start You’ve seen micro-investing apps and feel unsure about them You’re currently using micro-investing and wondering what’s next You want to build long-term wealth in a more intentional and informed way 🔑 MY FINAL THOUGHT Micro-investing can open the door. But it’s what you do after that —your consistency, your learning, and your willingness to evolve —that truly builds wealth. 📣 CALL TO ACTION If you enjoyed this episode, make sure you:✔️ Follow or subscribe to SugarMamma’s Fireplay✔️ Share this episode with someone who wants to start investing✔️ And leave a review — it helps more people find this podcast 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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).   micro investing Australia, Raiz app review, how to start investing Australia, investing for beginners, ETF investing Australia, investing apps Australia, passive income investing, dividend investing Australia, financial freedom Australia, investing strategy beginners, CGT investing Australia, brokerage fees explained, how to invest money   #investingforbeginners #microinvesting #raiz #financialfreedom #passiveincome #moneytips #australianfinance #wealthbuilding #startinvesting #financialeducationSee omnystudio.com/listener for privacy information.
• The Giving Up Trap: Why So Many Australians Feel Financially Stuck (And What To Do Instead) 07.06.2026 17mnt

  Why Hard Work Isn’t Paying Off (And The New Way To Build Wealth) Lately, something has shifted. People are working harder than ever…Doing the “right” things…Trying to save, invest, and get ahead… And yet still feeling like they’re falling behind. In this episode, I unpack the growing sense of financial frustration and what economists are calling the “giving up cliff”— where people begin to disengage from their financial future because the traditional path no longer feels achievable. But this isn’t about fear. It’s about awareness… and more importantly, a new path forward. We explore: Why home ownership is no longer the only definition of success The emotional and psychological impact of feeling financially stuck And how to rebuild hope, control, and momentum through a different approach to wealth Including a practical framework to start building long-term, growing passive income — with simple, realistic steps you can take today. 🎧 What You’ll Learn Why so many Australians feel like the goalposts keep moving What “financial nihilism” is — and why it’s so dangerous The concept of the giving up cliff and how it impacts behaviour Why relying solely on property as a wealth strategy may be limiting How to shift your focus to income-producing assets The role of superannuation as your long-term investment engine A step-by-step approach to getting started with passive income 🧭 Your Practical Starting Steps If you’re feeling stuck or overwhelmed, start here: Define your passive income goal→ Look at your current living expenses to estimate how much income you need each year Understand your risk profile→ Build a strategy you can stick to through market ups and downs Expand your knowledge beyond property→ Learn about shares, ETFs, and LICs as accessible wealth-building tools Master the fundamentals→ Compounding, reinvesting income, long-term thinking, and (when appropriate) gearing Engage with your superannuation→ Review your investments, understand your fees, and consider contributions where possible Start small — but start→ Consistency matters more than perfection 💡 Key Takeaway Financial freedom is not about owning a home. It’s about building income that supports your life. And when you focus on that… You don’t just build wealth. You rebuild hope, agency, and control. NB: Recored pre Federal Budget Night 🎙 Listen & Subscribe If you enjoyed this episode, make sure you’re following SugarMamma’s Fireplay so you never miss an episode. And if you have a moment, leaving a review helps more people find this podcast and start their own journey toward financial independence. ✨ Closing Reflection “Sometimes the most powerful thing you can do…is stop chasing the old path…and start building your own.” 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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.
• START HERE: Super Insurance Premiums Are Rising! Should You Cancel, Switch or Stay? 04.06.2026 18mnt

  Insurance inside superannuation is one of the most misunderstood — and often overlooked — parts of your financial plan. In this Start Here episode of SugarMamma’s Fireplay, I answer a powerful listener question from Cat, who is facing a 35% increase in her insurance premiums inside her super fund. Feeling overwhelmed, she’s wondering: Should she switch super funds? Should she cancel her insurance? Or is there a smarter way to manage these rising costs? If you’ve ever questioned whether your insurance is worth it — or worried about how it’s impacting your super balance — this episode will give you the clarity and confidence to move forward. 🎯 What This Episode Covers ✔️ Why insurance premiums inside super are rising✔️ How to assess what you’re actually paying for (and if it’s worth it)✔️ The hidden impact of insurance premiums on your long-term super balance✔️ Why many Australians are underinsured — and the risks of cancelling cover too soon✔️ How to adjust your insurance (without making costly mistakes)✔️ The pros and cons of switching super funds for cheaper premiums✔️ What you must do before cancelling or replacing any insurance policy✔️ The concept of self-insuring over time — and how to build towards it✔️ When to seek personal advice from a licensed financial planner 💡 Key Takeaways Insurance is not just a cost — it’s protection for your income, family and future Premium increases are frustrating, but knee-jerk decisions can be costly Understanding your policy features can reveal opportunities to reduce premiums Insurance inside super is convenient — but it can erode long-term compounding if left unchecked As your wealth grows, your reliance on insurance can gradually reduce The goal is not to cancel cover — but to refine it over time ⚠️ Important Reminder This episode is general advice only and does not take into account your personal circumstances. Before making any decisions about your insurance or superannuation, consider speaking with a licensed financial planner who can provide tailored advice. 🌿 Signature Reflection “Financial confidence doesn’t come from reacting quickly… it comes from understanding your options and choosing wisely.” 📩 Have a Question? If you’d like your question answered in a future Start Here episode, you can send me a DM or email — completely confidential. canna@sugarmamma.tv    superannuation insurance Australia, life insurance inside super, TPD insurance super, income protection insurance Australia, rising insurance premiums, superannuation strategy, financial planning Australia, reduce insurance premiums, self-insuring strategy, passive income and financial independence, how much insurance do I need AustraliaSee omnystudio.com/listener for privacy information.
• Rent vs Buy: The Wealth Manager's Strategy That Could Make You Wealthier? 31.05.2026 31mnt

  Hello and welcome back to SugarMamma’s Fireplay 🔥 This episode is one that may challenge everything you’ve been taught about money, property, and what it really means to build wealth. Because for many Australians, buying your home is seen as the ultimate financial milestone — a symbol of success, security, and stability. But what if that belief isn’t always the best financial move? In this episode, I sit down with Sydney-based wealth manager Mark Welsh, who has made the conscious decision to rent — despite having the financial capacity to buy property. Find Mark here: https://epgwealth.com.au/about-team/  Together, we explore: Whether home ownership is truly a wealth-building strategy… or a lifestyle choice When renting and investing can outperform buying The concept of rentvesting and how it works in real life The discipline required to make a rent-and-invest strategy successful The risks and realities of long-term renting Who this strategy is best suited for (and who should avoid it) How to decide what’s right for your own financial journey This is not about saying one path is right or wrong. It’s about understanding your options, your behaviour, and your long-term goals — so you can make confident, informed decisions about your money. Whether you’re a homeowner, aspiring buyer, or currently renting, this conversation will give you a fresh perspective on what building wealth can actually look like. ⚠️ Important Disclaimer:This episode is general information only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice before making financial decisions. 💡 Key Takeaway:Wealth is not built by following the crowd — it’s built by understanding your strategy and staying consistent. 🎧 Loved this episode?Make sure you’re following SugarMamma’s Fireplay and share it with someone who is currently navigating the rent vs buy decision. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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.
• START HERE: Should We Sell an Investment Property to Keep Our Home? 28.05.2026 25mnt

  With the rising cost of living placing pressure on households, many families are being forced to make incredibly difficult financial decisions. In this episode of Start Here, Canna responds to a listener who is considering selling an inherited investment property to relieve financial stress and stay afloat. This is a complex situation involving cashflow pressure, tax implications, lending structures, long-term wealth, and emotional considerations — particularly when the asset belongs to one partner. This episode unpacks the key things to understand before making a decision, and the conversations that need to happen to protect both short-term stability and long-term financial security. 🔑 KEY TOPICS COVERED The reality of cost of living pressure on Australian households When selling an asset can provide short-term financial relief Understanding cashflow vs wealth building The importance of seeking professional advice before selling Capital gains tax implications on inherited property How ownership history impacts tax obligations Why your lending structure and bank approval matters The risks of cross-collateralisation Protecting a partner’s financial independence and long-term wealth The emotional weight of selling an inherited family asset The importance of having a plan to replace lost assets Strategies to rebuild wealth: Superannuation contributions Long-term investing Debt recycling (under guidance) Exploring alternative options before selling Balancing family goals vs financial sustainability ⚠️ IMPORTANT CONSIDERATIONS Selling an asset is often irreversible Tax obligations and selling expenses an significantly reduce net proceeds Short-term relief can create long-term financial gaps Both partners must feel heard, respected, and protected Decisions should be made with full financial clarity — not pressure 🧠 KEY LESSONS Cashflow problems require immediate attention, but not rushed decisions Always understand the true net outcome after tax and costs Protecting both partners’ financial futures is essential Wealth-building assets should not be sold without a clear replacement strategy Financial decisions are rarely just about money — they involve values, emotions, and relationships ✅ NEXT STEPS Before making any decisions: Speak to an accountant→ Understand capital gains tax and net sale proceeds Speak to your mortgage broker or lender→ Confirm loan structure and implications of selling Consider speaking to a licensed financial planner→ Explore strategies to rebuild wealth and protect long-term goals Have an open and honest conversation as a couple→ Align on short-term needs vs long-term vision 💬 QUOTABLE MOMENTS “Just because something solves a short-term problem doesn’t mean it’s the right long-term decision.” “Cashflow keeps you afloat — but assets build your future.” “The goal isn’t just to survive today, but to protect your tomorrow.” “Sometimes the hardest financial decisions aren’t about numbers — they’re about values and trade-offs.” 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).   cost of living crisis Australia, selling investment property Australia, inherited property tax Australia, capital gains tax property Australia, financial stress families Australia, mortgage pressure Australia, cashflow management, financial planning Australia, should I sell my investment property, property vs cashflow decision, debt strategy Australia, protecting financial future couplesSee omnystudio.com/listener for privacy information.
• The $10,000 Super Strategy That Could Change Everything 24.05.2026 13mnt

  What if one financial decision today could be worth over $1 million in your future? In this episode of SugarMamma’s Fireplay, Canna Campbell breaks down the powerful long-term impact of contributing $10,000 into your superannuation — and more importantly, what happens when you repeat that decision consistently over time. But this isn’t just about having $10,000. This episode is about: understanding the power of compounding learning how to engage with your super and recognising the moment when you’re ready to take action Using simple projections and real-life scenarios, Canna shows how small, intentional contributions can grow into hundreds of thousands — even over a million dollars. 💡 What You’ll Learn How a $10,000 one-off contribution can grow to ~$106,000 over time Why contributing $10,000 per year could grow to ~$1.4 million The difference between after-tax (non-concessional) and before-tax (concessional) contributions How time and consistency drive exponential growth Why engaging with your super is like “turning on the engine” of your wealth The impact of starting in your 30s vs 40s vs 50s How to start small — even with $10 per week When prioritising super may not be the right move (yet) 🔍 Key Takeaways Superannuation is one of the most powerful long-term wealth-building tools available It’s not about the amount — it’s about starting and staying consistent The earlier you begin, the more time your money has to compound One small decision can shift your entire financial trajectory Engaging with your super creates awareness, confidence, and momentum ⚙️ Understanding Super Contributions Non-concessional (after-tax) contributions: Made from money you’ve already paid tax on Not taxed when entering super Capped at $120,000 per year Concessional (before-tax) contributions: Includes employer super + salary sacrifice Taxed at 15% on entry Capped at $30,000 per year 🚀 Advanced Strategies Mentioned Bring-Forward Rule: Contribute up to $360,000 in one go (if eligible) Useful for large lump sums or accelerating your super Carry-Forward (Catch-Up) Rule: Use unused concessional caps from up to 5 previous years Ideal for boosting super later in life 🧠 The “Super Engine” Analogy Think of your super like the engine in your car: You know it’s there… but most people don’t look at it “Popping the bonnet” = logging into your account “Turning it on” = making your first contribution Checking oil, fluids, temperature = reviewing: investments fees insurance 👉 Once the engine is running… you start maintaining and optimising it 📊 Important Assumptions All projections in this episode are based on: ~7% p.a. long-term return Starting balance of $0 (for simplicity) No changes to income or contribution levels 👉 In real life, results may vary and can often be higher due to: employer contributions wage growth existing balances ⚠️ When This Strategy May Not Be Right (Yet) You may need to prioritise: Emergency savings Paying off high-interest debt Stabilising your cashflow 👉 But understanding this strategy now means you’ll be ready to act when the time is right 💬 Final Thought Wealth isn’t built in one big moment. It’s built through small, consistent decisions over time. And the most powerful thing you can do… 👉 is start. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here. 📚 My Books If you’re ready to deepen your financial knowledge, check out my books: Best Seller:The $1000 Project **Mindful Money](https://amzn.to/3RV0poc) Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here (These are Amazon affiliate links to my own books.) 🌟 Stay Connected & Inspired Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth Keynote speaking book via canna@sugarmamma.tv TikTok:@SugarMammaTV YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views! Website:SugarMammaTV.com Don’t forget my other podcast:How Do They Afford That? 👉 Listen here ⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always: Do your own research. Weigh up the pros, cons, fees, caps, taxes, and risks. Seek professional advice before making financial decisions. 📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate. Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589). 📌 Disclaimer This episode is general in nature and does not take into account your personal financial situation, needs or objectives. Please seek professional advice before making financial decisions.   superannuation Australia, super contributions strategy, non concessional contributions, concessional contributions, bring forward rule, carry forward rule, salary sacrifice super, how to grow super balance, compound interest Australia, retirement planning Australia, passive income strategy, FIRE AustraliaSee omnystudio.com/listener for privacy information.
• START HERE: How Much Super Do You Need To Retire On $100K p.a.? 21.05.2026 17mnt

  How much superannuation do you actually need to retire comfortably? In this Start Here episode, Canna answers a listener question from a 39-year-old who wants to retire at age 60 with an income of $100,000 per year. But here’s the catch… That $100,000 is in today’s dollars — which means in 20+ years, it could require closer to $180,000+ per year due to inflation. This episode breaks down the reality behind retirement numbers — and why so many people underestimate what they truly need. 💡 What You’ll Learn ✔ Why $100,000 today is not $100,000 in the future✔ How inflation quietly increases your retirement income needs✔ How to estimate your true retirement income target✔ The rough super balance required to fund a $100K lifestyle✔ Why $2.5 million may not be enough (depending on assumptions)✔ The importance of understanding your own lifestyle costs✔ How long your retirement savings may need to last (longevity risk)✔ The role of superannuation as an income stream (not just a balance)✔ Why reviewing your super investment strategy is critical✔ The importance of tracking your current living expenses✔ Why relying on “average retirement figures” can be misleading 🧠 Key Insight Retirement planning isn’t about chasing a number. It’s about understanding: how much you need to live how long you need it to last and how your money will behave over time Because a comfortable retirement is built on clarity — not assumptions. 📊 Important Considerations Covered Inflation-adjusted income planning Sequence of returns risk Investment allocation inside super Longevity planning (age 85–95+) Potential Age Pension support The importance of regular reviews ⚠️ Important Reminder This episode is general financial education only and does not take into account your personal circumstances. Before making decisions about your retirement, please seek advice from a licensed financial planner. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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).   how much super to retire Australiaretire on 100k per yearsuperannuation retirement calculatorretirement income planning Australiahow much money do I need to retireinflation and retirement planningpassive income retirementfinancial independence AustraliaSee omnystudio.com/listener for privacy information.
• The Shift That Changed How I Build Wealth (And Why I’m Choosing Quiet Wealth 17.05.2026 8mnt

  The Shift That Changed How I Build Wealth (And Why I’m Choosing Quiet Wealth For a long time, I felt like something was missing from the way we talk about money. Not the strategies. Not the numbers. But the feeling. In this episode, I’m sharing a more personal reflection on what I’ve come to understand about wealth — beyond what it looks like on the outside. I talk about: why I started to feel disconnected from the traditional conversations around money what “Quiet Wealth” really means to me the difference between building wealth from pressure vs alignment and how shifting my mindset has changed the way I approach money, decisions and my future This isn’t about doing less. And it’s not about avoiding success. It’s about building wealth in a way that feels calm, grounded and sustainable. If you’ve ever felt overwhelmed, rushed or disconnected from your financial journey… this episode is for you. ✨ Join me on Substack - HERE Quiet Wealth  I’ve created a quieter space where I share deeper reflections on money, mindset and wealth — beyond social media.   I write every Friday morning.   👉 Join me here: [insert link]       🎧 If this episode resonated:   Share it with someone who might need to hear it Tag me on Instagram so I can see your thoughts And don’t forget to subscribe to the podcast  See omnystudio.com/listener for privacy information.
• The Budget That Could Change How Australians Build Wealth & Financial Independence & Stability 14.05.2026 27mnt

  The Budget That Could Change How Australians Build Wealth, Financial Independence & Stability  In this episode of SugarMamma’s Fireplay, Canna shares her honest thoughts and concerns around the proposed Federal Budget changes to Capital Gains Tax and negative gearing — and what she believes these changes may mean for everyday Australians trying to build wealth, financial independence and long-term security. This is not a political episode. Instead, this is a calm and thoughtful conversation around: investor psychology, behavioural change, financial confidence, property investing, long-term wealth creation, and how Australians may need to adapt moving forward. Canna breaks down: what Capital Gains Tax actually is, how the current 50% CGT discount works, the proposed move toward a new minimum 30% CGT framework, how negative gearing currently works, and how the proposed rules may impact future property investors. She also shares: why she believes many investors may hold onto assets much longer, concerns around a potential “lock in” effect, why investor turnover may fall, how this may impact the property market, why some Australians may emotionally disengage from investing altogether, and why diversification beyond the family home may become more important than ever. Canna also openly shares how she and Tom are personally reviewing their own investment strategy in light of the proposed changes — including: reassessing their negatively geared property, prioritising mortgage reduction, focusing more heavily on shares and passive income, and becoming more strategic around superannuation contributions. Most importantly, this episode is a reminder that: governments change, policies change, tax systems change… …but our responsibility to build our own financial wellbeing never changes. This episode is designed to empower Australians to stay informed, stay engaged and continue building long-term financial security — even during uncertain times. Topics Covered Federal Budget 2026 Capital Gains Tax explained Proposed CGT changes Negative gearing explained Grandfathering rules Property investing in Australia Investor psychology Wealth creation strategies Passive income investing Dividend investing Financial independence Superannuation strategies Long-term investing FIRE movement Australia Cost of living pressures Australian property market Investor behaviour Building wealth in uncertain times Important Disclaimer This podcast episode contains general information and commentary only and does not constitute financial, tax or legal advice. Proposed budget measures discussed in this episode may change and may not yet be legislated. Please seek professional advice before making financial decisions. 💡 Work With Me Want more support on your financial journey? Here’s how we can work together: The SugarMamma Budget & Cashflow AcademySick 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 MentorshipJoin 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).   #SugarMammasFireplay #FederalBudget #AustralianProperty #PassiveIncome #FinancialFreedom #Investing #NegativeGearing #CapitalGainsTax #FinancialIndependence #DividendInvesting #MoneyMindset #PropertyInvesting #AustralianShares #CostOfLiving #Superannuation #FinancialWellbeing #FIREMovement #WealthBuildingSee omnystudio.com/listener for privacy information.