In this episode of SugarMamma’s Fireplay, I sit down with an incredible mum from NT, who shares her real, raw and deeply relatable journey to financial independence. From living and working remotely for nearly a decade, to buying an investment property without much research (because everyone said “that’s what you should do”) — her story is filled with lessons, honesty, and hope.

When she read The Barefoot Investor and The $1000 Project, everything changed. She and her husband created a plan, started investing small $2,000 parcels into ETFs and LICs, and took total control of their finances. Fast forward to 2024: they’re mortgage-free, investing in $10K parcels, and on track to reach Barista FIRE by 2030 — all while still living simply, joyfully, and intentionally.

She proves you don’t need to live a flashy life or earn a huge income to build wealth — just clarity, consistency, and purpose.

We cover:


The turning point that transformed their financial future


Selling an underperforming investment property and using the equity wisely


Becoming completely mortgage-free by age 34


How they built a $1.5 million net worth with a focus on ETFs


What Barista FIRE looks like for their family


Real-life budgeting habits they still use today — from $200 ‘fun money’ to skipping Uber Eats


Why living below your means isn’t about deprivation — it’s about empowerment

This is an episode full of encouragement and proof that smart money moves, no matter how small, compound over time. It’s perfect for anyone feeling stuck, behind, or unsure of how to start.

💫 Connect with Me:
Instagram: @SugarMammaTV
TikTok: @SugarMamma
Website: www.SugarMamma.TV

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589. 

In this episode of SugarMamma&rsquo;s Fireplay, I sit down with an incredible mum from NT, who shares her real, raw and deeply relatable journey to financial independence. From living and working remotely for nearly a decade, to buying an investment property without much research (because everyone said &ldquo;that&rsquo;s what you should do&rdquo;) &mdash; her story is filled with lessons, honesty, and hope.
When she read The Barefoot Investor and The $1000 Project, everything changed. She and her husband created a plan, started investing small $2,000 parcels into ETFs and LICs, and took total control of their finances. Fast forward to 2024: they&rsquo;re mortgage-free, investing in $10K parcels, and on track to reach Barista FIRE by 2030 &mdash; all while still living simply, joyfully, and intentionally.
She proves you don&rsquo;t need to live a flashy life or earn a huge income to build wealth &mdash; just clarity, consistency, and purpose.
We cover:
<ul data-start="1770" data-end="2250">
<li data-start="1770" data-end="1831">
The turning point that transformed their financial future
</li>
<li data-start="1832" data-end="1910">
Selling an underperforming investment property and using the equity wisely
</li>
<li data-start="1911" data-end="1958">
Becoming completely mortgage-free by age 34
</li>
<li data-start="1959" data-end="2023">
How they built a $1.5 million net worth with a focus on ETFs
</li>
<li data-start="2024" data-end="2073">
What Barista FIRE looks like for their family
</li>
<li data-start="2074" data-end="2171">
Real-life budgeting habits they still use today &mdash; from $200 &lsquo;fun money&rsquo; to skipping Uber Eats
</li>
<li data-start="2172" data-end="2250">
Why living below your means isn&rsquo;t about deprivation &mdash; it&rsquo;s about empowerment
</li>
</ul>
This is an episode full of encouragement and proof that smart money moves, no matter how small, compound over time. It&rsquo;s perfect for anyone feeling stuck, behind, or unsure of how to start.
💫 Connect with Me: Instagram: <a href="https://www.instagram.com/sugarmammatv" data-start="2715" data-end="2770">@SugarMammaTV</a> TikTok: <a data-start="2781" data-end="2830">@SugarMamma</a> Website: <a href="https://www.SugarMamma.TV">www.SugarMamma.TV</a><a data-start="2842" data-end="2887"></a>
ADDITIONAL GENERAL ADVICE WARNING:
Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.
GENERAL ADVICE WARNING &amp; FINANCIAL PLANNING LICENSE DETAILS:
The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.
Canna Campbell is an&nbsp;Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.&nbsp;

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

SugarMamma’s Fireplay

From Remote Work to $1.5M Net Worth: How This Aussie Family Reached Mortgage Freedom

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/83c580f0-532e-406d-8f43-b2e600130d02/transcript