Micro-investing apps have helped thousands of Australians take their first step into investing — and that’s a good thing.

But starting is not the same as progressing.

In this episode, Canna Campbell breaks down:
Why micro-investing has exploded in popularity
Where it genuinely helps — and where it can quietly hold people back
The myths that keep investors stuck at “starter level”
Why education matters more than apps
And exactly how to level up into real investing, real ownership, and real financial momentum

This is a supportive, honest conversation designed to empower you — not shame where you’re starting.

What You’ll Learn in This Episode

1. Why micro-investing took off
Low barriers, automation, habit-building
Perfect for beginners and tight budgets
Helps people overcome fear and inertia

2. The hidden risk no one talks about
Staying “micro” forever
Fees eating into long-term growth
Lack of understanding and confidence
Comfort replacing progress

3. Micro-investing myths vs reality
“I’m investing so I’m sorted”
“Diversified means I’m safe”
“I’ll level up later”

4. Why education is the real wealth builder
Understanding what you own
Knowing how dividends, ETFs and compounding actually work
Removing fear, panic and emotional decision-making

5. How to level up — step by step
When you know you’re ready
Opening a traditional brokerage account
What to do with your micro-investing account
Automating investing the right way
Reinvesting dividends for long-term growth

6. Why this matters for your future
Passive income
Optionality
Financial independence
Confidence and choice

Key Takeaway

Micro-investing is a starting line, not the finish line.

Your future deserves intention, education, ownership — and belief that you’re capable of more.

💬 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 Academy
Sick of living paycheque to paycheque or feeling overwhelmed by your money?
This course includes aone-on-one appointment with me so I can personally help you.
👉 Enrol here
Money Mindset & Manifestation Mentorship
Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.

📜 Financial Planning License Details

The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.

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

Micro-investing apps have helped thousands of Australians take their first step into investing &mdash; and that&rsquo;s a good thing.
But starting is not the same as progressing.
In this episode, Canna Campbell breaks down:
<ul>
<li>Why micro-investing has exploded in popularity</li>
<li>Where it genuinely helps &mdash; and where it can quietly hold people back</li>
<li>The myths that keep investors stuck at &ldquo;starter level&rdquo;</li>
<li>Why education matters more than apps</li>
<li>And exactly how to level up into real investing, real ownership, and real financial momentum</li>
</ul>
This is a supportive, honest conversation designed to empower you &mdash; not shame where you&rsquo;re starting.
What You&rsquo;ll Learn in This Episode
1. Why micro-investing took off
<ul>
<li>Low barriers, automation, habit-building</li>
<li>Perfect for beginners and tight budgets</li>
<li>Helps people overcome fear and inertia</li>
</ul>
2. The hidden risk no one talks about
<ul>
<li>Staying &ldquo;micro&rdquo; forever</li>
<li>Fees eating into long-term growth</li>
<li>Lack of understanding and confidence</li>
<li>Comfort replacing progress</li>
</ul>
3. Micro-investing myths vs reality
<ul>
<li>&ldquo;I&rsquo;m investing so I&rsquo;m sorted&rdquo;</li>
<li>&ldquo;Diversified means I&rsquo;m safe&rdquo;</li>
<li>&ldquo;I&rsquo;ll level up later&rdquo;</li>
</ul>
4. Why education is the real wealth builder
<ul>
<li>Understanding what you own</li>
<li>Knowing how dividends, ETFs and compounding actually work</li>
<li>Removing fear, panic and emotional decision-making</li>
</ul>
5. How to level up &mdash; step by step
<ul>
<li>When you know you&rsquo;re ready</li>
<li>Opening a traditional brokerage account</li>
<li>What to do with your micro-investing account</li>
<li>Automating investing the right way</li>
<li>Reinvesting dividends for long-term growth</li>
</ul>
6. Why this matters for your future
<ul>
<li>Passive income</li>
<li>Optionality</li>
<li>Financial independence</li>
<li>Confidence and choice</li>
</ul>
Key Takeaway
Micro-investing is a starting line, not the finish line.
Your future deserves intention, education, ownership &mdash; and belief that you&rsquo;re capable of more.
💬 Let&rsquo;s Keep the Conversation Going
I&rsquo;d love to hear your thoughts on this episode! Reach out to me anytime on Instagram&nbsp;<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;so we can keep this important conversation alive.
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books:
<ul>
<li>Best Seller:<a href="https://amzn.to/3RV0Bnq">The $1000 Project</a></li>
<li>**Mindful Money](<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>)</li>
<li>Motivated Money by Peter Thornhill(a huge inspiration for me):&nbsp;<a href="https://amzn.to/40rn2Vr">Read it here</a></li>
</ul>
(These are Amazon affiliate links to my own books.)
💡 Work With Me
Want more support on your financial journey? Here&rsquo;s how we can work together:
<ol>
<li><a href="https://courses.sugarmamma.tv/Signup">The SugarMamma Budget &amp; Cashflow Academy</a> Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me&nbsp;so I can personally help you. 👉&nbsp;<a href="https://courses.sugarmamma.tv/Signup">Enrol here</a></li>
</ol>
<ol>
<li><a href="https://www.sugarmamma.tv/online-courses/">Money Mindset &amp; Manifestation Mentorship</a> Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. <a href="https://www.sugarmamma.tv/online-courses/">Get started here</a>.</li>
</ol>
🌟 Stay Connected &amp; Inspired
<ul>
<li>Instagram:<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;&mdash; money, budgeting, cashflow &amp; motivation</li>
<li>Instagram:<a href="https://www.instagram.com/cannacampbellofficial">@CannaCampbellofficial</a>&nbsp;&mdash; lifestyle, capsule wardrobe fashion, motherhood</li>
<li>TikTok:<a href="https://www.tiktok.com/@sugarmammatv">@SugarMammaTV</a></li>
<li>YouTube:<a href="https://www.youtube.com/c/SugarMamma">SugarMammaTV</a>&nbsp;&mdash; over 500 bite-sized videos with more than 12 million views!</li>
<li>Website:<a href="http://www.sugarmammatv.com/">SugarMammaTV.com</a></li>
<li>Don&rsquo;t forget my other podcast:How Do They Afford That?&nbsp;👉&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">Listen here</a></li>
</ul>
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is&nbsp;general information only&nbsp;&mdash; never personal, product, or investment advice. Always:
<ul>
<li>Do your own research.</li>
<li>Weigh up the pros, cons, fees, caps, taxes, and risks.</li>
<li>Seek professional advice before making financial decisions.</li>
</ul>
📜 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&nbsp;Authorised Representative and Financial Adviser&nbsp;of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

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

Micro-Investing: A Starting Line, Not the Finish Line

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/1bac6f6a-5e5f-425f-bb60-b3df017d9dd0/transcript