SugarMamma’s Fireplay

In this honest and inspiring episode, Financial Planner Canna Campbell shares her 2025 financial goals update - the wins, the misses, and the surprising lessons that came with both. From investing through debt recycling to cancelling a family holiday, from book writing to work-life boundaries, this episode is a candid look at what really happens when life and money collide. 🎧 Expect vulnerability, reflection, and a few laughs - plus gentle reminders that financial progress isn’t about perfection, it’s about direction. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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). #SugarMammaTV #FireplayPodcast #CannaCampbell #FinancialGoals #GoalSetting #MoneyMindset #FinancialFreedom #InvestingForWomen #WealthBuilding #DebtRecycling #WorkLifeBalance #MindfulMoney #PersonalFinanceAustraliaSee omnystudio.com/listener for privacy information.

In today’s Start Here episode, Canna answers a deeply personal question many people quietly struggle with: “What do you do when your parents want to gift you money to help you buy a home… but you’re still in credit card debt and feel ashamed to accept it?” This episode is all about navigating the overlap between family, money, guilt, love, responsibility, and boundaries. Canna covers: How to have the conversation with your parents openly and respectfully Why accepting money while still in debt can sometimes set you backwards How to use this period to clear debt fast and understand what caused it Why being transparent with your parents can strengthen relationships Why a mortgage broker should be part of your plan before you accept any money The essential legal step that protects both sides How to run a “dress rehearsal” for home ownership The importance of building an emergency fund so you never fall back into credit card debt How to show your parents gratitude while still protecting your own financial wellbeing This episode is perfect for anyone navigating family generosity, mixed emotions, or wanting to build a solid foundation before buying a home. 🔍 Key Points • Transparency builds trust, not disappointmentBeing honest with your parents about your debt shows integrity and responsibility. • Pay off the debt first — and learn from itUse this time to understand how the debt happened so history never repeats. • Speak with a mortgage broker earlyUnderstand borrowing power, documentation requirements, and how a family gift is viewed by lenders. • Get independent legal adviceProtect yourself and your parents by documenting what the gift means. • Start making your future mortgage repayments NOWYour “dress rehearsal” proves to you and the bank that you’re ready. • Build an emergency fundProtects you from slipping back into debt once you have a mortgage. • This is a blessing, not a burdenHandled well, this gift can help build your family’s long-term financial legacy. 📝 Disclaimer This podcast is for educational and general advice purposes only. It does not consider your personal financial situation. Please speak with a licensed financial planner, mortgage broker, and solicitor before making decisions involving debt, gifts, or property purchases. 🔗 Follow & Connect Instagram: @SugarMammaLifestyle & fashion: @CannaCampbellOfficialYouTube: SugarMammaTVPodcast: SugarMamma’s Fireplay 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV OR email me canna@sugarmamma.tv so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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).   #SugarMammaTV #SugarMamma #SugarMammasFireplay#StartHereSeries #FinancialWellbeing #MoneyMindset#FamilyFinances #HomeBuyingJourney #FirstHomeBuyer#DebtFreeJourney #CreditCardDebtHelp#MoneyAdvice #FinancialPlanningAustralia#MortgageTips #GenerationalWealth#FinancialBoundaries #MoneyAndFamily#GiftedDeposit #BuildingWealth #FinancialConfidenceSee omnystudio.com/listener for privacy information.

Are you a credit card user or a BNPL consumer? Which one is "safer" to use? In this episode I break down the important things that you need to know about BNPL, so that you are aware, educated and using these financial tools to your advantage with zero regrets. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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).  See omnystudio.com/listener for privacy information.

This week, Canna answers a heartfelt message from a listener in her 40s who feels like she’s playing financial catch-up — balancing student debt, a mortgage, young kids, and a smaller super balance after years of maternity leave. In this empowering episode, Canna shares practical steps to help anyone in their 40s get back on track — rebuilding super, paying off debt strategically, and setting clear financial freedom goals for the next decade. Whether you’ve paused your career, withdrawn from super during COVID, or just feel like you started late, this episode will remind you that it’s never too late to build long-term wealth, confidence, and independence. 💡 What You’ll Learn: Why your 40s can be your financial power decade How to rebuild super strategically through salary sacrifice and catch-up contributions How to manage debt without losing motivation or momentum What to do once your student loans are gone — and how to redirect that cashflow for wealth creation Why family expenses are temporary, and how to use that future freed-up cash to accelerate goals How to create financial freedom goals based on passive income, not just balances How every decision now — every repayment, contribution, and review — compounds into long-term security 🧭 Key Takeaway: You’re not behind — you’re building from experience.Your 40s aren’t about starting over; they’re about using wisdom, focus, and compounding to create the secure and independent future you’ve always wanted. ⚖️ Compliance Note: This episode provides general financial education only and does not constitute personal financial advice or product recommendations.Please consider your own circumstances and seek personal advice from a licensed financial planner before making any financial decisions. 📲 Connect & Share: If this episode gave you hope or direction, please share it with a friend in their 40s who might need to hear it. Follow Canna on Instagram:👉 @SugarMammaTV👉 @CannaCampbellOfficial Subscribe to SugarMamma’s Fireplay wherever you listen to your podcasts. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

In this urgent episode of SugarMamma’s Fireplay, I sit down with senior mortgage broker John Micalizzi from Blue Lantern Home Loans to unpack APRA’s new Debt-to-Income (DTI) rules – what they mean, who’s most at risk, and why you cannot afford to ignore your numbers. John can assist you with any concerns regarding your DTI.  John' contact details: john@bluelantern.com.au Mobile:  0411 706 228   Blue Lantern address: Level 6, 309 George Street, Sydney, NSW 2000 If you have: A large mortgage Investment properties Interest-only loans Or you’re planning new lending, refinancing or debt recycling …this episode is essential listening. We talk about why this change is a proactive “pre-emptive strike” by APRA, how the new 20% cap on high DTI loans works, and the very real risk of being pushed into higher repayments, forced P&I, or simply being told no by your bank – especially with current backlogs and delays across the major lenders. What we cover inside the episode What DTI actually is– How to calculate it in plain language (total debt ÷ total gross income)– Why all debts count: mortgages, credit cards, HECS/HELP, personal loans, etc. APRA’s new DTI rule explained– The new cap on loans with DTI of 6 or more– Why APRA has brought this in now as a protective measure– Why it’s a blanket rule across owner-occupiers and investors Who’s safe and who needs to worry– Borrowers with DTI well under 6 vs those above 6– Why high-debt, high-leverage borrowers and some investors are most exposed– Why construction and bridging loans are treated differently Why interest-only borrowers must act early– How to check when your interest-only term expires– Why extending I/O is effectively a new application (full reassessment)– The double hit risk: Rolling from I/O to P&I (big repayment jump) Rolling to an old, uncompetitive “roll-to” rate from years ago Life changes that can push you into high DTI territory– Going from two incomes to one (having a family, study breaks, job loss)– Why timing and lender policy really matter here– Why you need a broker who knows which lenders can work with maternity leave, self-employed income and more complex scenarios Pre-approvals and the 1 February deadline– What to do if your pre-approval expires after 1 Feb– How your borrowing power could change under the new cap– Why you may need to reset your expectations on price or timing Backlogs, complexity and why you can’t leave this to the last minute– The current delays at many banks for new loans, refinances and restructures– Why higher DTI = more complexity = more questions = more time– Why you cannot expect to “sort it out in 48 hours” Practical steps to protect yourself now– How to check your own DTI and loan terms– Cleaning up your debts: unused credit cards, HECS/HELP strategy, etc.– When you should consider refinancing, restructuring or going P&I on purpose– Why working with an experienced broker can give you more options, more clarity and someone to advocate for your case with the lender 3 urgent actions after you listen Jump into your internet banking– Check: loan types, interest-only vs P&I, and expiry dates on I/O terms. Roughly calculate your DTI– Add up all your debts (home loans, investment loans, credit cards, personal loans, HECS/HELP, etc.)– Divide by your total gross income (yours + partner’s, plus rental income, dividends, etc.). If your DTI is high OR your interest-only term expires within 12 months– Do not wait.– Reach out for advice before the new rules + bank backlogs box you into a corner. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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).   See omnystudio.com/listener for privacy information.

In this Start Here episode, Canna answers Pamela’s question: “I’ve only got $77,000 in super and plan to retire in three years at 65. My home is worth $3 million, but most of my money is tied up in it. I’m considering downsizing — what do I need to know to make this money last?” Canna explains: How the Downsizer Contribution rules work and who qualifies. What to check before selling — including getting professional valuations, researching new property costs, and calculating net proceeds after fees. Why the downsizer top-up might not fully close a retirement gap, and what other strategies can help bridge the difference. How to plan your cash flow, super contributions, and investment mix for sustainable income in retirement. Why working with a licensed financial planner can make all the difference in mapping out the next stage of your financial journey. If you’re 55 or older and considering freeing up equity from your home, this episode will help you understand how to turn that value into a secure, flexible, and confident retirement plan. 🪙 Key Takeaways The Downsizer Contribution allows up to $300K per person (or $600K per couple) to be added to super from the sale of your home. You must make the contribution within 90 days of settlement and you only get one opportunity to do so. Always account for sale and purchase costs — including commissions, stamp duty, and moving expenses — before assuming how much you’ll unlock. A financial planner can help close any remaining gap through salary sacrificing, after-tax contributions, and long-term investing strategies. Downsizing is about financial freedom, not just a smaller home. ⚠️ General Advice Disclaimer This podcast provides general advice only and has been prepared without taking into account your objectives, financial situation, or needs. Before acting on any information, you should consider whether it is appropriate for you and, where appropriate, seek personal financial advice from a licensed financial planner. 📱 Connect with Canna Instagram: @SugarMammaTV | @CannaCampbellOfficialPodcast: SugarMamma’s FireplayYouTube: SugarMammaTVBooks: The $1000 Project | Mindful Money | Financial Freedom (coming soon) 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

Your favourite Mortgage Broker is back, Adam McCabe from Blue Lantern. One of the best Mortgage Broking firms in Australia and the most experienced. Today we get to ask Adam about upgrading the family home...when is the right time to make the big move and what is the best and safest way to make this happen as smoothly as possible.  In this episode we learn so much about the process but also the essential hacks and tips to ensure that you are in the driving seat at all times and this important milestone is achieved with no regrets and in the best way possible.  If you would like to chat with Adam about your mortgage, upgrading ideas and needs or even debt recycling, you can contact him on 0423 685 133 or Adam.Mccabe@bluelantern.com.au  Instagram: https://www.instagram.com/bluelanternhomeloans/  Not sponsored: Please note that we do not receive any financial benefit in any form from having Adam on the show. We are honoured to have such a valuable insights shared by Adam, taking time out of his busy day to help us with our financial journey's which often include a mortgage free life. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

In this heartfelt Start Here episode, Canna answers a listener’s question about how to talk to ageing parents about money — especially when you’re worried they might make risky decisions around super or retirement. Canna explores how to start these sensitive conversations with empathy, respect, and confidence. She shares practical tools and scripts for opening the dialogue without conflict, helping your parents get quality financial advice, and keeping family boundaries intact while staying supportive. What You’ll Learn:✨ Why conversations about money across generations can be emotional — and how to make them constructive✨ How to lead with curiosity rather than control✨ Ways to encourage your parents to do a financial “health check”✨ How to use free support like Centrelink’s Financial Information Service (FIS)✨ The benefits of asking super funds if they offer free general advice✨ How to balance helping your parents while protecting your own goals✨ The key phrase that will change every family money talk: “I’m your ally, not your auditor.” Key Takeaway:Talking about money with your parents isn’t about control — it’s about care. Lead with empathy, curiosity, and respect, and remember: progress in family finances is measured not by who’s right, but by who feels heard. 📎 Disclaimers This episode provides general financial education only and does not constitute personal financial advice or product recommendations. You should always consider your personal circumstances and seek advice from a licensed financial planner before making financial decisions. 📲 Follow & Share If this episode helped you, please share it with someone who might be navigating the same challenge.Follow Canna on Instagram at @SugarMammaTV and @CannaCampbellOfficial.🎧 Subscribe to SugarMamma’s Fireplay wherever you listen to your podcasts. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

In this week’s episode of SugarMamma’s Fireplay, proudly supported by moomoo, I sit down with influential veteran investor Michael McCarthy to talk about something that’s never been more important  getting started with investing. We break down why investing is no longer optional in today’s world, the growing wealth gap between investors and non-investors, and how new technology — especially AI — is helping level the playing field for everyday Australians. To check out the moomoo app, you can download it here: https://start.moomoo.com/0tfLnT - not an affiliate link. Michael shares his professional insights on: Why now is the time to take action and become an investor -  especially when you consider the long term impact of inflation. How compounding returns and dividends build long-term wealth. The key differences between active and passive investing — and how to decide which approach suits you. How AI-powered tools inside moomoo are helping investors make more confident and informed decisions. Why it’s possible to start small, stay consistent, and still reach financial independence over time. We also talk about the psychology of getting started — how to overcome hesitation, fear and analysis paralysis — and why waiting for “the perfect time” often costs you more than getting started imperfectly. This episode will empower you to take that next step, no matter where you are in your financial journey. 💡 My Takeaway: The longer you wait to start investing, the harder it becomes to catch up. Time is your greatest asset — not timing. With the right mindset, a disciplined plan, and access to powerful tools like moomoo, anyone can begin building wealth and moving closer to financial freedom. 📲 Resources Mentioned: Download the moomoo app https://start.moomoo.com/0tfLnT  Learn more at www.moomoo.com/au 📝 Disclaimer: This episode is sponsored by moomoo. All information discussed is general in nature and should not be taken as personal financial advice. Please consider your own circumstances or consult a licensed financial adviser before making investment decisions. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

In this empowering Start Here episode, Canna answers a listener’s heartfelt question: “Is income protection worth it — even if it means slowing down my mortgage-free goals?” Canna breaks down what income protection really is, why it matters, and how to make it work within your budget, not against it.From holding cover inside super to adjusting waiting periods and benefit structures, she explains practical, real-world strategies for protecting your most valuable asset — your ability to earn — while staying focused on your long-term financial freedom. This episode will help you understand:✅ What income protection actually does — and how it fits into your financial plan.✅ Smart, budget-friendly ways to afford it without sacrificing your mortgage goals.✅ The risks and trade-offs to be aware of.✅ Why this protection can give you peace of mind and confidence, not financial pressure. Remember: this is general advice only — always seek personal advice before making financial decisions. 🎧 If this episode helped you, please share it with a friend who might be struggling with the same question.💬 Got a question for a future Start Here episode? DM Canna on Instagram — @SugarMammaTV or @CannaCampbellOfficial. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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). Income protection insurance, superannuation insurance, financial planning Australia, insurance tips, mortgage goals, budgeting, personal finance, insurance through super, financial safety net, mortgage-free journey, salary protection, income insurance explained, Canna Campbell podcast, SugarMamma Fireplay, Start Here series. #SugarMammaTV #StartHere #SugarMammasFireplay #FinancialWellbeing #FinancialEducation #FinancialFreedom #SmartMoney #MoneyGoals #AustralianFinance #MortgageFreeJourney #InsuranceAustralia #IncomeProtection #BudgetingTips #FinancialPlanner #WealthMindsetSee omnystudio.com/listener for privacy information.

In this inspiring episode, financial planner and author Canna Campbell helps you rediscover your financial spark when motivation starts to fade.Drawing from Brendon Burchard’s The Motivation Manifesto, Canna reveals how to create your very own Money Motivation Manifesto — a framework to help you reconnect with your financial goals, break through fear, and fuel lasting, sustainable motivation for financial freedom. If you’ve ever felt like your money goals have stalled or you’ve lost your drive, this episode will help you reignite your inner fire — and stay consistent for the long term. 💡 Key Topics Covered 1. What Motivation Really Is Motivation isn’t a feeling — it’s a habit. How to create deliberate financial momentum. Examples of small, consistent money actions that compound into freedom. 2. Fear vs. Freedom: The Two Drivers of Money Motivation The difference between acting from fear (scarcity) vs. acting from freedom (abundance). A simple mindset exercise: rewrite your biggest money fear as a financial freedom goal. 3. How to Keep Your Motivation Alive The five key pillars of sustained motivation: clarity, consistency, challenge, celebration, and review. How small wins (like paying down $500 of debt) can fuel long-term consistency. 4. Expectancy Builds Faith The importance of believing in the delayed payoff. How to strengthen trust in your plan during “invisible progress” phases. 5. Visualisation: Seeing Your Future Wealth How visualising success builds the mental muscle for financial discipline. A nightly 3-minute visualisation technique to anchor new habits. 6. The Power of Now How regret and comparison destroy motivation. Refocusing on the only moment that matters: the next step. 7. Rewriting Your Financial Self-Talk Replacing “I’m bad with money” with “I’m learning to master my money.” Why your internal dialogue dictates your external results. 8. Keeping Motivation Fresh How novelty revives discipline: challenges, side hustles, new goals. Micro goals to reignite progress when motivation dips. 9. Becoming Your Own Role Model Why your actions today set the tone for your future self — and your family. How to inspire others by showing up consistently for your goals. 🧠 Key Takeaways Motivation isn’t found — it’s built. Fear can spark change, but freedom sustains it. Celebrate progress, not perfection. Consistency beats intensity. The person you’re becoming is more valuable than the goals you’re achieving. 🪞 Practical Money Motivation Exercises Rewrite Your Fears: Turn every fear into a freedom goal. Visualise Nightly: Spend 3 minutes picturing yourself achieving your next milestone. Quarterly Reviews: Revisit your goals every 3 months and celebrate progress. Challenge Yourself: Try a no-spend weekend or a savings sprint. Positive Self-Talk: Replace limiting beliefs with empowering statements. 🔥 Final Message Motivation is the energy that fuels your FIRE — your Financial Independence, Retire Early journey.With clarity, faith, and consistent action, you can transform not just your finances, but your entire life. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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). #SugarMammaTV #FireplayPodcast #MoneyMotivation #FinancialFreedom #PassiveIncome #MotivationManifesto #FinancialIndependence #BudgetingTips #InvestingAustralia #MindfulMoney #FinancePodcast #WealthBuilding #CannaCampbell #MoneyMindset #PersonalFinanceAustralia  See omnystudio.com/listener for privacy information.

Feeling exhausted by money? You’re not alone. In this empowering episode of Start Here, Canna Campbell answers Mandy’s heartfelt question about financial burnout. After years of saving and sacrificing for a home deposit, Mandy now finds herself going backwards — dipping into her hard-earned savings just to cover essentials. Canna shares a compassionate pep talk and six practical steps to help anyone reignite their financial fire: Why acknowledging burnout is the first step to recovery. How to redefine what progress really looks like. Bringing back balance and joy so money doesn’t feel like punishment. Adjusting your strategy without giving up on your dream. Finding support in financial communities online. Setting micro-goals that spark momentum and motivation. If you’ve ever felt deflated, stuck, or ready to quit on your financial journey, this episode will give you fresh hope, practical strategies, and the reminder that persistence — not perfection — is what creates financial freedom. 👉 Share this episode with someone who might be struggling too. And if you’d like Canna to answer your money question in a future Start Here episode, email canna@sugarmamma.tv OR DM her on Instagram: @SugarMamma or @CannaCampbellOfficial    ⚖️ Additional 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). #FinancialBurnout #MoneyMindset #FinancialWellbeing #SugarMamma #FireplayPodcast #MoneyTips #FinancialIndependence #BudgetingTips #MoneyMotivation #DebtFreeJourney #FrugalLiving #FinancialFreedomSee omnystudio.com/listener for privacy information.

Your health is your greatest asset — and neglecting it can cost you far more than any investment ever could. In this powerful episode of SugarMamma’s Fireplay, Canna sits down with Dr Lena Attebo from Oracle Healthcare, a doctor who specialises in preventative medicine. Together, they unpack why prevention is always cheaper than treatment — financially, emotionally, and physically — and how small, consistent actions can protect both your wellbeing and your wallet. Oracle Healthcare contact details can be found here: Website: https://oraclehealthcare.com.au Health Check Packages: https://oraclehealthcare.com.au/health-checks/individual-health-assessments/ North Shore Health Hub
Ground Floor,
7 Westbourne St,
St Leonards, Sydney,
NSW 2065 +61 2 8866 2222 office@oraclehealthcare.com.au You’ll discover:✨ The most important health checks and tests worth prioritising (even on a budget)💊 Whether supplements and wearable trackers are worth your money🏠 Simple at-home health checks that reveal how your body is really doing💰 How staying healthy is actually one of the smartest financial strategies you can make❤️ The real cost of illness — and how prevention buys you time, energy, and peace of mind This episode is a timely reminder that financial freedom means nothing without health freedom. Your body is the engine that drives your dreams — invest in it wisely. 🎧 Listen now on SugarMamma’s Fireplay — available on Spotify, Apple Podcasts, and YouTube. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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).   #SugarMammaTV #FireplayPodcast #FinancialFreedom #PreventativeHealth #WealthAndWellbeing #HealthyWealthyWise #MoneyAndHealth #FinancialWellness #LongevityLifestyle #CannaCampbell #OracleHealthcareSee omnystudio.com/listener for privacy information.

In this empowering episode of Start Here, Canna answers a question from Cat — an inspiring investor who’s built an $80,000 portfolio and $4,200 of annual passive income in just three years. Cat is now ready to explore margin lending but wants to understand the risks and how to manage them wisely. Canna breaks down what a margin loan really is, why it can be risky, and seven proven strategies to reduce those risks — the same principles she uses in her own $1000 Project portfolio. You’ll learn how to set smart boundaries, protect your portfolio from volatility, and use leverage as a tool for long-term wealth creation rather than a ticking time bomb. In this episode, you’ll learn: What a margin loan actually is — and why leverage magnifies both gains and losses. The safe way to manage your Loan-to-Value Ratio (LVR). How to stress-test your cashflow before borrowing. Why drawing down slowly and keeping an emergency buffer matters. How to use dividends and interest prepayment strategically. The power of diversification and long-term focus. When to seek professional advice and how to align margin lending with your financial goals. Key Quote: “A margin loan isn’t a shortcut — it’s an amplifier. It magnifies whatever discipline or impulsiveness you already have.” Mentioned Resources: The $1000 Project by Canna Campbell Motivated Money by Peter Thornhill ASIC Moneysmart: Margin Lending Basics Your own superannuation or investment platform’s “risk profile” questionnaire Disclaimer:This podcast provides general advice only and does not take into account your personal financial situation, goals, or needs. Please seek independent financial advice before making investment decisions. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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:SugarMamma.TV 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.

In this special SugarMamma’s Fireplay episode — proudly supported by moomoo — I share my personal financial game plan to outsmart AI and build lasting financial independence. Everywhere we look, headlines warn that artificial intelligence is replacing jobs and reshaping industries. But what if, instead of fearing AI, we used it to our advantage — to invest smarter, build passive income, and retire richer and earlier? The moomoo app can be found here: https://start.moomoo.com/0tfLnT I’ll walk you through: Why relying on your salary is no longer enough in the age of AI. How to create passive income that pays you even while you sleep. My own step-by-step investing journey through The $1000 Project, which has grown to a $365,000 share portfolio generating over $16,000 a year in dividends. How AI-powered investing platforms like moomoo make it easier than ever to get started, stay informed and make better investing decisions. Why fractional investing and free AI tools are changing the game for everyday investors. And how you can start small — even with $10 — and build financial independence one investment at a time. This episode is a wake-up call for anyone who’s been sitting on the sidelines. AI may take your job… but it doesn’t have to take your financial freedom. 💡 My Takeaway: AI is not the enemy — it’s an opportunity. If we use it wisely, AI can help us make smarter investing decisions and create the financial security that our jobs alone can’t guarantee. 📲 Resources Mentioned: Download the moomoo app https://https://start.moomoo.com/0tfLnT Learn more at www.moomoo.com/au Explore The $1000 Project via SugarMamma.TV 📝 Disclaimer: This episode is sponsored by moomoo. All information is general in nature and does not constitute personal financial advice. Please consider your own circumstances or seek professional advice before making investment decisions. SugarMammaTV #SugarMammasFireplay #moomoo #AIFinance #InvestSmarter #FIREMovement #FinancialIndependence #RetireEarly #PassiveIncome #DividendInvesting #WealthBuilding #SmartMoney #FinancialFreedom #WomenWhoInvest #AustralianInvestors 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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: SugarMamma.TV 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.

Are you stuck in credit card debt and can’t seem to break free — no matter how many times you try? You’re not alone. In this Start Here episode of SugarMamma’s Fireplay, I answer a heartfelt question from Diana, who has $28,000 of credit card debt on a single card and desperately wants to turn her financial life around. Together, we unpack:✅ Why toxic debt like credit cards must be cleared before you invest.✅ How to build a small emergency buffer so you don’t slip backwards.✅ The power of budgeting, tracking, and cutting expenses with purpose.✅ Automating repayments and setting mini-goals to stay motivated.✅ How ad hoc payments (tax refunds, bonuses, side hustle income) can fast-track your journey.✅ The importance of breaking old habits and even letting go of credit cards and BNPL for good.✅ The surprising support of the debt-free community online — and how it can keep you inspired.✅ How to use your debt-repayment season to prepare for investing: researching ETFs and LICs, doing a risk profile, setting up an online trading account, and building your financial confidence.✅ Why checking in on your super and personal insurances is part of breaking the debt cycle for good. By the end of this episode, you’ll walk away with a clear, step-by-step plan — not just to pay off your debt, but to break free for good and start building the financial independence you deserve. ✨ Remember: being debt-free isn’t about restriction — it’s about freedom, clarity, and confidence. ⚖️ Additional 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). credit card debt | how to pay off debt fast | debt free journey | debt avalanche | budgeting tips | stop using credit cards | debt snowball | automate repayments | financial freedom | SugarMamma | Canna Campbell | passive incomeSee omnystudio.com/listener for privacy information.

In today’s episode of SugarMamma’s Fireplay, I sit down with Lindsey — a wife, mother, and inspiring example of what’s possible when you combine courage, discipline, and vision. Back in 2008, Lindsey and her husband were both earning $55,000 a year. They dreamed of building a life together but didn’t want to be tied to a huge mortgage forever. So they took a leap of faith — leaving their stable jobs to work in the mines. What happened next changed everything. Over the years, Lindsey and her husband: Paid off two blocks of land while working FIFO. Saved $300,000 in cash to build their dream home. Subdivided their land, making smart property sales at the right time. Built their family home — now worth around $1.8 million — and became completely mortgage-free. Grew their superannuation balances to $250,000 each. Built an emergency fund, regular holiday savings, and a share portfolio they’re aiming to grow to $1 million in 20 years. And the best part? They did all this while raising two children, travelling, and enjoying their lives along the way. Lindsey opens up about the lessons, setbacks, and mindset shifts she’s experienced, and she shares advice for anyone who wants to create financial freedom on their own terms. This isn’t just a story about money — it’s about courage, clarity, and choosing a life that aligns with your values. If you’re looking for motivation and practical inspiration, this is one episode you don’t want to miss. 📲 Stay Connected Follow me on Instagram: @SugarMammaTV Lifestyle & capsule wardrobe inspo: @CannaCampbellofficial TikTok: @sugarmammatv YouTube: SugarMammaTV Check out my books: The $1000 Project → Buy here Mindful Money → Buy here Motivated Money by Peter Thornhill → Buy here Work with me: Budget & Cashflow Academy Money Mindset & Manifestation Coaching ⚠️ Disclaimer This podcast is for educational purposes only and does not constitute financial advice. Always consider your personal circumstances and seek professional advice before making major financial decisions. ⚖️ Additional 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). #FinancialFreedom #MortgageFree #WealthBuilding #FIFO #DebtFreeJourney #SugarMammaFireplay #InvestingForTheFuture #MoneyMindset #FinancialIndependence #WomenWithWealthSee omnystudio.com/listener for privacy information.

If you’ve ever looked at your super and thought, “Am I in the right investment option?” — this episode is for you. One listener recently asked me:“Hi Canna, I’ve just realised I’m in the Balanced option with my super, but I don’t think this is right for me or my age group. Should I switch to Growth or High Growth?” It’s such a common question — and one that could have a huge impact on your financial future. But before making any changes, there are important things to understand. In this episode, I’ll walk you through: ✅ Why your super investment option matters more than you think. 🧠 How to work out your risk profile and why age isn’t the only factor. 💸 The hidden costs of switching options (like capital gains tax inside super). 🔍 What to check in your super fund itself — fees, investment menu, insurance, and retirement features. 📈 Why contributions matter just as much as investment choice. 🔄 How to review your super regularly so it stays aligned with your life. 👩‍💼 When and why to seek advice from a licensed financial planner. Most importantly, I’ll show you how to move from confusion and hesitation to confidence and clarity with your super — one of your most powerful long-term wealth-building tools. MUST LISTEN TO MY OTHER SUPERANNUATION EPISODES HERE: 🔑 Key Takeaway There’s no one-size-fits-all answer to Growth vs High Growth. What matters is understanding your risk tolerance, reviewing your fund’s competitiveness, and making thoughtful, informed decisions that align with your goals. 📲 Call to Action If this episode resonated with you, share it with a friend who might also be ignoring their super. And if you’ve got a money question you’d like me to cover in a future Start Here episode, DM me on Instagram — @SugarMammaTV or @CannaCampbellOfficial. ⚖️ Additional 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.

What happens when your body can no longer do the work you’ve built your career around? It’s a confronting thought, but one we all need to face. Whether it’s illness, injury, burnout, or simply age — the day may come when your body says “enough.” In this episode of SugarMamma’s Fireplay, I explore the financial and emotional reality of what happens when you can’t work anymore, and how to prepare now so you’re not left vulnerable later. We’ll cover: ✅ Why relying only on your physical ability to earn an income is risky ✅ How to build a back-up plan that keeps money flowing even if you can’t work ✅ The role of insurance, superannuation, and passive income in protecting your lifestyle ✅ Real-life examples of how sudden health changes can derail financial security ✅ Small, practical steps you can take today to future-proof your finances This is not about doom and gloom — it’s about empowerment and preparation. Because the earlier you prepare for life’s “what ifs,” the stronger, safer, and freer your future becomes. 🔑 Key Takeaways Your income is your greatest financial asset — protect it. Illness and injury can happen to anyone, at any stage of life. Income protection insurance, superannuation, and emergency savings are essential safety nets. Building multiple income streams — including investments that generate passive income — creates long-term resilience. Don’t wait for a crisis to plan. Future-proof your financial freedom now. 📚 Resources & Links Books: The $1000 Project: Buy here Mindful Money: Buy here Motivated Money by Peter Thornhill: Buy here SugarMamma Courses: Budget & Cashflow Academy Money Mindset & Manifestation Course Stay connected: Instagram: @SugarMammaTV | @CannaCampbellOfficial TikTok: @SugarMammaTV YouTube: SugarMammaTV Website: www.SugarMammaTV.com Other podcast: How Do They Afford That? ⚠️ General Advice Disclaimer This podcast is for educational purposes only. It is not personal financial advice. Always do your own research and seek advice from a licensed financial planner before making financial decisions. ⚖️ Additional 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). #SugarMammaTV #SugarMammasFireplay #FinancialFreedom #IncomeProtection #PassiveIncome #Superannuation #EmergencyFund #FinancialPlanningAustralia #MoneyMotivation #LongTermWealth See omnystudio.com/listener for privacy information.

One of the biggest fears for new investors is simple: what happens when the market crashes? In this Start Here episode of SugarMamma’s Fireplay, I answer Katrina’s question: “As we will one day have another GFC-style slump, how long will it take my high-growth ETF portfolio to recover?” Together, we explore what 150 years of market history teaches us about crashes, recoveries, and why staying invested matters more than trying to predict the next downturn. You’ll learn: Why market crashes are normal, not rare events — usually happening once a decade How long past crashes (like the Great Depression, the GFC, and COVID) took to recover The enormous long-term rewards for investors who stayed the course Why dollar-cost averaging is your best defence against volatility How focusing on dividends and passive income, not short-term portfolio value, keeps you grounded The value of setting aside cash so you can buy during downturns instead of panicking ✨ The key takeaway: Markets always recover — and those who stay disciplined, reinvest their dividends, and stick to their strategy are the ones who come out stronger. It’s not about timing the market, it’s about time in the market. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive. 📚 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 CoachingJoin my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.👉Join 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).   market crash recovery, investing during downturns, high-growth ETFs, dollar-cost averaging, dividends, passive income, financial independence, stock market history, GFC lessons, long-term investingSee omnystudio.com/listener for privacy information.