The Controversial 50-30-20 Rule

The Flaws of a One-Size-Fits-All Approach

Realistic Budgeting for Different Life Stages

The Limitations of a Static Budget

A Better Approach: Dollar Amounts Over

Empowering Personal Finance

The 50/30/20 budgeting rule sounds simple: 50% of your income goes towards needs, 30% towards wants and 20% towards savings and financial goals.

But I think treating this as a universal rule for a “healthy” budget is bullshit.

Why? Because personal finance is personal.

The rising cost of living means many households simply can’t keep their essential expenses within 50% of their take-home income. At the same time, someone living at home with minimal expenses could potentially be saving and investing far more than 20%.

Different incomes. Different families. Different goals. Different stages of life. So why are we trying to squeeze everyone into the same three percentages?

In this episode, I unpack:

• How the 50/30/20 budgeting rule actually works
• Why it can be unrealistic in today’s cost-of-living environment
• Why your stage of life matters when building a budget
• How following the rule could actually hold some people back financially
• Why allocating 20% towards “goals” doesn’t necessarily mean you’re using that money efficiently
• How rigid budgeting rules can create unnecessary guilt and financial shame
• Why your budget needs to change as your life changes
• The budgeting approach I prefer instead
• How to create your own healthy ratios based on what you can genuinely afford
• Why your financial goals should help shape your budget
• How a strong cashflow system can make sticking to your budget much easier

I’m not against using percentages. In fact, percentages can be incredibly useful for understanding and measuring your money.

I just don’t believe somebody else’s percentages should dictate what financial success looks like for you.

Money is fluid. Life is fluid. Your budget needs to be fluid too.

You don’t need your budget to look perfect on a pie chart.

You need it to work in your real life.

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

The 50/30/20 budgeting rule sounds simple: 50% of your income goes towards needs, 30% towards wants and 20% towards savings and financial goals.
But I think treating this as a universal rule for a &ldquo;healthy&rdquo; budget is bullshit.
Why? Because personal finance is personal.
The rising cost of living means many households simply can&rsquo;t keep their essential expenses within 50% of their take-home income. At the same time, someone living at home with minimal expenses could potentially be saving and investing far more than 20%.
Different incomes. Different families. Different goals. Different stages of life. So why are we trying to squeeze everyone into the same three percentages?
In this episode, I unpack:
&bull; How the 50/30/20 budgeting rule actually works &bull; Why it can be unrealistic in today&rsquo;s cost-of-living environment &bull; Why your stage of life matters when building a budget &bull; How following the rule could actually hold some people back financially &bull; Why allocating 20% towards &ldquo;goals&rdquo; doesn&rsquo;t necessarily mean you&rsquo;re using that money efficiently &bull; How rigid budgeting rules can create unnecessary guilt and financial shame &bull; Why your budget needs to change as your life changes &bull; The budgeting approach I prefer instead &bull; How to create your own healthy ratios based on what you can genuinely afford &bull; Why your financial goals should help shape your budget &bull; How a strong cashflow system can make sticking to your budget much easier
I&rsquo;m not against using percentages. In fact, percentages can be incredibly useful for understanding and measuring your money.
I just don&rsquo;t believe somebody else&rsquo;s percentages should dictate what financial success looks like for you.
Money is fluid. Life is fluid. Your budget needs to be fluid too.
You don&rsquo;t need your budget to look perfect on a pie chart.
You need it to work in your real life.
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

Why I Think The 50/30/20 Budgeting Rule is Bullshit and what really works

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/1e9cf8ea-cb55-438f-b739-b4bf005ed3a8/transcript

Feeling Broke Despite a Good Income

The Illusion of Financial Security

Breaking the Cycle: Practical Steps

The Power of Small Savings

Setting Exciting Financial Goals

A Message of Hope and Empowerment

Closing Remarks and Call to Action

You earn good money. On paper, you're doing well.

So why does payday arrive… only for you to find yourself counting down the days until the next one?

In this episode of Start Here, I answer a listener who earns $120,000 a year but regularly has nothing left at the end of their pay cycle — and sometimes relies on Buy Now Pay Later just to maintain their social life.

And they are certainly not alone.

With housing, groceries, insurance and everyday living costs taking an increasingly large bite out of our income, it can feel incredibly frustrating to earn what looks like a great salary and still struggle to get ahead.

But there's another side to this conversation too.

Lifestyle creep, social media, Buy Now Pay Later and simply losing track of where our money is actually going can quietly make an already difficult financial environment even harder.

In this episode, I cover:


Why you need to stop making spending decisions based on your gross salary and start working with your actual take-home pay


How social media can distort what a “normal” lifestyle looks like


The question to ask yourself before your next social-media-inspired purchase


Why regularly relying on Buy Now Pay Later or credit cards can be a warning sign that your lifestyle has outgrown your cash flow


Why I want you to review 12 months of transactions — not just one month — to see the true cost of your lifestyle


How to find savings in your budget and immediately redirect them towards your financial progress


Why your first priorities should be paying off BNPL debt, building a financial float and creating emergency savings


Why even $20 a week matters — and why no small saving is beneath you


The importance of giving yourself an exciting, meaningful financial goal once your foundations are in place


How to stop feeling like budgeting is about deprivation and instead use it to choose what you want more

Most importantly, I want you to remember this:

Your financial life is not frozen in time.

Your income can change. Debts can be paid off. Careers progress. Children grow up. Expenses disappear. Economic conditions change.

And you will change too.

You will understand your spending better. You'll become clearer on what you genuinely value. You'll build savings, learn from mistakes and become more confident with your money.

So if you're feeling broke despite earning good money, don't throw in the towel.

Start with what actually lands in your bank account. Look honestly at where it's going. Stop adding to expensive debt. Build your financial float and emergency savings — even if you can only start small.

Then give yourself something exciting to work towards.

Because financial progress starts when you learn to keep some of the money you already earn.

Find that little gap between what comes in and what goes out, redirect it back towards yourself and your goals — and start building from there.

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

You earn good money. On paper, you're doing well.
So why does payday arrive&hellip; only for you to find yourself counting down the days until the next one?
In this episode of Start Here, I answer a listener who earns $120,000 a year but regularly has nothing left at the end of their pay cycle &mdash; and sometimes relies on Buy Now Pay Later just to maintain their social life.
And they are certainly not alone.
With housing, groceries, insurance and everyday living costs taking an increasingly large bite out of our income, it can feel incredibly frustrating to earn what looks like a great salary and still struggle to get ahead.
But there's another side to this conversation too.
Lifestyle creep, social media, Buy Now Pay Later and simply losing track of where our money is actually going can quietly make an already difficult financial environment even harder.
In this episode, I cover:
<ul>
<li>
Why you need to stop making spending decisions based on your gross salary and start working with your actual take-home pay
</li>
<li>
How social media can distort what a &ldquo;normal&rdquo; lifestyle looks like
</li>
<li>
The question to ask yourself before your next social-media-inspired purchase
</li>
<li>
Why regularly relying on Buy Now Pay Later or credit cards can be a warning sign that your lifestyle has outgrown your cash flow
</li>
<li>
Why I want you to review 12 months of transactions &mdash; not just one month &mdash; to see the true cost of your lifestyle
</li>
<li>
How to find savings in your budget and immediately redirect them towards your financial progress
</li>
<li>
Why your first priorities should be paying off BNPL debt, building a financial float and creating emergency savings
</li>
<li>
Why even $20 a week matters &mdash; and why no small saving is beneath you
</li>
<li>
The importance of giving yourself an exciting, meaningful financial goal once your foundations are in place
</li>
<li>
How to stop feeling like budgeting is about deprivation and instead use it to choose what you want more
</li>
</ul>
Most importantly, I want you to remember this:
Your financial life is not frozen in time.
Your income can change. Debts can be paid off. Careers progress. Children grow up. Expenses disappear. Economic conditions change.
And you will change too.
You will understand your spending better. You'll become clearer on what you genuinely value. You'll build savings, learn from mistakes and become more confident with your money.
So if you're feeling broke despite earning good money, don't throw in the towel.
Start with what actually lands in your bank account. Look honestly at where it's going. Stop adding to expensive debt. Build your financial float and emergency savings &mdash; even if you can only start small.
Then give yourself something exciting to work towards.
Because financial progress starts when you learn to keep some of the money you already earn.
Find that little gap between what comes in and what goes out, redirect it back towards yourself and your goals &mdash; and start building from there.
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

START HERE: I earn good money, but why am I always broke? How to stop living pay cheque to pay cheque!

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/496b9c80-af2e-455c-bdc1-b4d60046f66c/transcript

Business Collapses and Financial Lessons

The Illusion of Success

The ATO's Role in Business Failures

Revenue vs. Profit: The First Financial Trap

Profit Doesn't Equal Cash Flow

The ATO as an Unofficial Lender

Growth Can Be a Double-Edged Sword

The Cost of Looking Successful

Financial Discipline for Business Owners

Understanding Your Business's Financial

The Importance of Financial Education

Closing Thoughts and Call to Action

Your Business Bank Balance Is Lying To You

A business can look incredibly successful from the outside — millions in revenue, a growing team, huge social media following, sold-out launches and all the visible signs of success — while quietly struggling to pay its bills.

And right now, we're seeing more Australian businesses collapse with significant debts owing to the ATO.

In 2024–25, 14,722 Australian companies entered external administration for the first time, while small-business collectable tax debt reached a staggering $35.9 billion.

So how does a seemingly successful business end up owing hundreds of thousands — or even millions — in tax?

In this episode of Fireplay, I'm unpacking the financial traps that can quietly undermine a business, because there is a very important lesson here:

Money coming into your business is not necessarily money that belongs to you.

We discuss:


Why revenue is not profit — and why a huge turnover doesn't necessarily mean you have a financially successful business.


How a profitable business can still run out of cash.


Why allowing the ATO to effectively become your bank can create a dangerous cash-flow cycle.


How rapid growth can actually put a business under MORE financial pressure.


The hidden cost of constantly needing your business — and your lifestyle — to look successful.


Why GST, tax, PAYG, super and other obligations need to be properly provisioned for.


The importance of separating business money from your personal lifestyle.


Why every business needs an appropriate cash buffer.


The boring but essential numbers every business owner should understand.


And why your business bank balance may be giving you a completely false sense of financial security.

This isn't an episode about judging business owners whose businesses have failed.

It's about learning from what we're seeing and making sure we don't repeat the same financial mistakes.

Because a financially healthy business isn't necessarily the one with the biggest turnover, the biggest following or the fanciest office.

It's a business that can pay its bills, pay its suppliers, pay its people, pay its tax, pay its owner, invest in its future — and still have something left over.

Turnover might look impressive.

But cash flow is survival.

🎧 Listen now to Your Business Bank Balance Is Lying To You on Fireplay.

General information only. This episode does not constitute personal financial, taxation, accounting or legal advice. Consider seeking professional advice appropriate to your circumstances.

Your Business Bank Balance Is Lying To You
A business can look incredibly successful from the outside &mdash; millions in revenue, a growing team, huge social media following, sold-out launches and all the visible signs of success &mdash; while quietly struggling to pay its bills.
And right now, we're seeing more Australian businesses collapse with significant debts owing to the ATO.
In 2024&ndash;25, 14,722 Australian companies entered external administration for the first time, while small-business collectable tax debt reached a staggering $35.9 billion.
So how does a seemingly successful business end up owing hundreds of thousands &mdash; or even millions &mdash; in tax?
In this episode of Fireplay, I'm unpacking the financial traps that can quietly undermine a business, because there is a very important lesson here:
Money coming into your business is not necessarily money that belongs to you.
We discuss:
<ul>
<li>
Why revenue is not profit &mdash; and why a huge turnover doesn't necessarily mean you have a financially successful business.
</li>
<li>
How a profitable business can still run out of cash.
</li>
<li>
Why allowing the ATO to effectively become your bank can create a dangerous cash-flow cycle.
</li>
<li>
How rapid growth can actually put a business under MORE financial pressure.
</li>
<li>
The hidden cost of constantly needing your business &mdash; and your lifestyle &mdash; to look successful.
</li>
<li>
Why GST, tax, PAYG, super and other obligations need to be properly provisioned for.
</li>
<li>
The importance of separating business money from your personal lifestyle.
</li>
<li>
Why every business needs an appropriate cash buffer.
</li>
<li>
The boring but essential numbers every business owner should understand.
</li>
<li>
And why your business bank balance may be giving you a completely false sense of financial security.
</li>
</ul>
This isn't an episode about judging business owners whose businesses have failed.
It's about learning from what we're seeing and making sure we don't repeat the same financial mistakes.
Because a financially healthy business isn't necessarily the one with the biggest turnover, the biggest following or the fanciest office.
It's a business that can pay its bills, pay its suppliers, pay its people, pay its tax, pay its owner, invest in its future &mdash; and still have something left over.
Turnover might look impressive.
But cash flow is survival.
🎧 Listen now to Your Business Bank Balance Is Lying To You on Fireplay.
General information only. This episode does not constitute personal financial, taxation, accounting or legal advice. Consider seeking professional advice appropriate to your circumstances.

Why Successful Businesses Are Collapsing - And How to Protect Yours

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/de5ac95c-f284-4f27-9e24-b4c2001bfafc/transcript

Welcome to Start Here

The Hidden Costs of Dog Ownership

Breaking Down the Initial Expenses

The Ongoing Monthly Costs

Unpredictable Expenses: Damage and Illness

The Importance of Pet Insurance

Lifestyle Changes and Choosing the Right Dog

Saving Money as a Dog Owner

The Joy and Responsibility of Dog Ownership

Closing Thoughts and Contact Information

How Much Does It Really Cost to Own a Dog?

Thinking about getting a dog? Before you fall in love with the puppy, it is worth falling in love with the numbers first.

In this episode of Start Here, I answer a listener question about how much you should realistically budget before bringing a dog into your family.

As the very proud owner of three Labradors — Pablo, Tulip and Peppi — I know firsthand that the cost of owning a dog goes well beyond the initial purchase or adoption fee, a bag of food and a cute new bed.

According to MoneySmart, the average first year of owning a dog can cost around $4,000, with ongoing costs of up to $2,520 per year. But averages don't always capture the full financial reality of pet ownership — particularly when something unexpected happens.

In this episode, I cover:


The upfront costs to consider before bringing your dog home


Food, vaccinations, registration, parasite prevention and routine vet care


Pet insurance, excesses, exclusions and annual limits


Puppy school, dog trainers and behavioural support


Grooming, dog walking, daycare and holiday care


The hidden cost of puppies damaging furniture, gardens and belongings


Why unexpected illness or injury can quickly result in substantial vet bills


Why the breed, size and temperament of your dog can have a big impact on your budget


How to build a pet emergency fund


The simple “pretend pet budget” I recommend trying before you commit

I also share some of the practical ways I save money looking after Pablo, Tulip and Peppi — from washing and walking them myself, shopping around for their food and making toys, to coordinating routine vet visits and finding creative ways to manage pet sitting when we travel.

Having a dog can bring an enormous amount of love, companionship and happiness into your life. But part of being a responsible pet owner is making sure you can afford to care for them not just when everything goes right, but when something goes wrong too.

So before asking, “Can we afford to buy a dog?”, perhaps the better question is:

“Can we afford to give this dog a healthy, safe and happy home for the rest of its life?”

This episode will help you work that out before you bring your new best friend home.

General information only. Costs will vary depending on your dog, breed, location, lifestyle and individual circumstances. Speak with your vet about your pet's specific healthcare and preventative treatment needs.

How Much Does It Really Cost to Own a Dog?
Thinking about getting a dog? Before you fall in love with the puppy, it is worth falling in love with the numbers first.
In this episode of Start Here, I answer a listener question about how much you should realistically budget before bringing a dog into your family.
As the very proud owner of three Labradors &mdash; Pablo, Tulip and Peppi &mdash; I know firsthand that the cost of owning a dog goes well beyond the initial purchase or adoption fee, a bag of food and a cute new bed.
According to MoneySmart, the average first year of owning a dog can cost around $4,000, with ongoing costs of up to $2,520 per year. But averages don't always capture the full financial reality of pet ownership &mdash; particularly when something unexpected happens.
In this episode, I cover:
<ul>
<li>
The upfront costs to consider before bringing your dog home
</li>
<li>
Food, vaccinations, registration, parasite prevention and routine vet care
</li>
<li>
Pet insurance, excesses, exclusions and annual limits
</li>
<li>
Puppy school, dog trainers and behavioural support
</li>
<li>
Grooming, dog walking, daycare and holiday care
</li>
<li>
The hidden cost of puppies damaging furniture, gardens and belongings
</li>
<li>
Why unexpected illness or injury can quickly result in substantial vet bills
</li>
<li>
Why the breed, size and temperament of your dog can have a big impact on your budget
</li>
<li>
How to build a pet emergency fund
</li>
<li>
The simple &ldquo;pretend pet budget&rdquo; I recommend trying before you commit
</li>
</ul>
I also share some of the practical ways I save money looking after Pablo, Tulip and Peppi &mdash; from washing and walking them myself, shopping around for their food and making toys, to coordinating routine vet visits and finding creative ways to manage pet sitting when we travel.
Having a dog can bring an enormous amount of love, companionship and happiness into your life. But part of being a responsible pet owner is making sure you can afford to care for them not just when everything goes right, but when something goes wrong too.
So before asking, &ldquo;Can we afford to buy a dog?&rdquo;, perhaps the better question is:
&ldquo;Can we afford to give this dog a healthy, safe and happy home for the rest of its life?&rdquo;
This episode will help you work that out before you bring your new best friend home.
General information only. Costs will vary depending on your dog, breed, location, lifestyle and individual circumstances. Speak with your vet about your pet's specific healthcare and preventative treatment needs.

START HERE: I really want to get a dog! How Much Does It Really Cost to Own a Dog?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/6b8a70c3-e3c0-438d-85c0-b4c30048c47c/transcript

Welcome to Sugar Mama's Fireplay

The Long Game Mortgage Broker Rebrand

The Risks of Borrowing Through a Trust

The Mechanics of Trust Borrowing

The Dangers of Over-Extension

Ethical Considerations for Brokers

The Changing Landscape of Trust Lending

Navigating the Risks of Trust Borrowing

Alternative Strategies for Wealth Creation

The Mortgage Borrowing Trap That Could Leave You Stuck

Property investors are constantly looking for ways to grow their portfolios, improve borrowing capacity and structure their investments more effectively.

But what happens when a strategy designed to help you borrow more ends up leaving you with more debt than you can comfortably manage — and fewer lenders willing to refinance you?

In this special episode of SugarMamma’s Fireplay, I sit down with mortgage broker Adam McCabe from Long Game Financial to unpack a lending strategy he has been increasingly concerned about.

It involves purchasing and borrowing through separate trust structures — an approach that, depending on the structure and lender assessment, may affect how existing debts are treated when applying for further finance.

On paper, this can potentially allow an investor to continue expanding their property portfolio.

But Adam explains why this can become problematic when the structure starts driving the borrowing decision rather than the borrower’s genuine ability to comfortably service and manage the debt.

And there is another important risk: lending policies can change.

As lenders reassess these structures and their exposure to them, some may tighten their policies or stop offering particular types of finance altogether. That can potentially leave borrowers with a much smaller pool of lenders available when they eventually need to refinance, restructure or obtain their next loan.

Should you wish to speak with Adam, you can contact him directly on 0423 685 133 or Adam.McCabe@bluelantern.com.au 

In this episode, Adam explains:


How borrowing through individual trusts can work


Why some investors have been encouraged to use this strategy


How it may increase apparent borrowing capacity


Why borrowing capacity and affordability are two very different things


The danger of accumulating more debt than your household can realistically support


Why lender policy changes matter


How a shrinking pool of lenders can affect your ability to refinance


The importance of considering your exit strategy before taking out the loan


Why good mortgage advice should consider your long-term financial position — not simply how much money you can borrow today

The key takeaway

Just because a lending structure may allow you to borrow more doesn't necessarily mean you should.

Debt needs to work within your broader financial life — your income, cash flow, buffers, goals and ability to withstand changing interest rates and circumstances.

And when you're considering a more complicated lending or ownership structure, make sure you understand not only how you get into it, but how you eventually get out of it.

Because the best loan isn't necessarily the one that allows you to borrow the most.

It's the one that still works for you when life — and lending policies — change.

Important: Trust structures can have significant lending, legal and taxation implications. This episode is general information only and isn't personal financial, credit, legal or tax advice. Seek appropriately qualified professional advice before establishing a trust or entering into a lending arrangement.

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

The Mortgage Borrowing Trap That Could Leave You Stuck
Property investors are constantly looking for ways to grow their portfolios, improve borrowing capacity and structure their investments more effectively.
But what happens when a strategy designed to help you borrow more ends up leaving you with more debt than you can comfortably manage &mdash; and fewer lenders willing to refinance you?
In this special episode of SugarMamma&rsquo;s Fireplay, I sit down with mortgage broker Adam McCabe from Long Game Financial&nbsp;to unpack a lending strategy he has been increasingly concerned about.
It involves purchasing and borrowing through separate trust structures &mdash; an approach that, depending on the structure and lender assessment, may affect how existing debts are treated when applying for further finance.
On paper, this can potentially allow an investor to continue expanding their property portfolio.
But Adam explains why this can become problematic when the structure starts driving the borrowing decision rather than the borrower&rsquo;s genuine ability to comfortably service and manage the debt.
And there is another important risk: lending policies can change.
As lenders reassess these structures and their exposure to them, some may tighten their policies or stop offering particular types of finance altogether. That can potentially leave borrowers with a much smaller pool of lenders available when they eventually need to refinance, restructure or obtain their next loan.
Should you wish to speak with Adam, you can contact him directly on 0423 685 133 or <a href="mailto:Adam.McCabe@bluelantern.com.au">Adam.McCabe@bluelantern.com.au</a>&nbsp;
In this episode, Adam explains:
<ul>
<li>
How borrowing through individual trusts can work
</li>
<li>
Why some investors have been encouraged to use this strategy
</li>
<li>
How it may increase apparent borrowing capacity
</li>
<li>
Why borrowing capacity and affordability are two very different things
</li>
<li>
The danger of accumulating more debt than your household can realistically support
</li>
<li>
Why lender policy changes matter
</li>
<li>
How a shrinking pool of lenders can affect your ability to refinance
</li>
<li>
The importance of considering your exit strategy before taking out the loan
</li>
<li>
Why good mortgage advice should consider your long-term financial position &mdash; not simply how much money you can borrow today
</li>
</ul>
The key takeaway
Just because a lending structure may allow you to borrow more doesn't necessarily mean you should.
Debt needs to work within your broader financial life &mdash; your income, cash flow, buffers, goals and ability to withstand changing interest rates and circumstances.
And when you're considering a more complicated lending or ownership structure, make sure you understand not only how you get into it, but how you eventually get out of it.
Because the best loan isn't necessarily the one that allows you to borrow the most.
It's the one that still works for you when life &mdash; and lending policies &mdash; change.
Important: Trust structures can have significant lending, legal and taxation implications. This episode is general information only and isn't personal financial, credit, legal or tax advice. Seek appropriately qualified professional advice before establishing a trust or entering into a lending arrangement.
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

The Dangerous Mortgage Borrowing Strategy That Could Leave You Stuck & Exposed

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f8f949d3-8754-450b-b2cf-b4af003afb6b/transcript

Setting the Stage for Financial Freedom

The Power of Your Freedom Score

Creating Financial Breathing Room

Tackling Debt and Redirecting Habits

Building Your Financial Safety Net

Investing and Reinvesting for Growth

Don't Neglect Your Super

Balancing Income and Expenses

Automating Your Progress

Tracking Your Progress and Celebrating

Wrapping Up and Next Steps

How to Get Closer to Financial Freedom: Your Next 1%

So, you know your Freedom Score. You’ve worked out your Mindful Money Number. Now comes the most important question:

How do you actually move the number?

In Part Two of this Start Here series, Canna turns the idea of financial freedom into a practical roadmap you can start following from wherever you are today.

And you don’t need thousands of dollars left over each month, the perfect investment or a complete financial overhaul to begin.

Instead, Canna explains how small, ordinary financial decisions — paying off expensive debt, redirecting old repayments, building emergency savings, investing consistently, reviewing your super and reinvesting passive income — can gradually stack together and move you closer to financial freedom.

She also explores the two sides of the Freedom Score equation: increasing the passive income your assets generate while becoming more intentional about how much income your lifestyle requires.

Using her own $1,000 Project as an example, Canna explains how consistently building income-producing assets — and then reinvesting the income they generate — can eventually mean your existing wealth starts helping you build even more wealth.

In this episode:


How to establish your financial starting point


What to do when you feel like you have nothing left over to invest


Why starting small is still starting


How creating financial breathing room can help you move forward


Why paying off expensive consumer debt can be an important first step


The simple trick of redirecting repayments once a debt is gone


Why emergency savings help protect your investment strategy


How to start building income-producing assets


Why you don’t need to build the entire portfolio today — you just need to start


How reinvesting passive income can help accelerate compounding


Why starting earlier gives your money more time to work


The important role super can play in building long-term wealth


The two levers you can use to improve your Freedom Score


Why controlling lifestyle creep matters


How automating savings, investing and repayments can make progress easier


Why every pay rise, paid-off debt or financial saving should be given its next job


How to track your progress without becoming obsessed with reaching 100%

Financial freedom is rarely created by one brilliant investment or clever financial hack.

It’s built through hundreds of relatively ordinary financial decisions that begin stacking on top of each other.

The debt gets smaller. Your cash flow gets stronger. Your investments get bigger. Your passive income grows. And eventually, your money starts helping you do some of the heavy lifting.

So don’t look at someone else’s financial position. Don’t become overwhelmed by 100%. And don’t wait for the perfect time to begin.

Start from where you are. Choose your next financial move. Then focus on your next 1%.

How to Get Closer to Financial Freedom: Your Next 1%
So, you know your Freedom Score. You&rsquo;ve worked out your Mindful Money Number. Now comes the most important question:
How do you actually move the number?
In Part Two of this Start Here series, Canna turns the idea of financial freedom into a practical roadmap you can start following from wherever you are today.
And you don&rsquo;t need thousands of dollars left over each month, the perfect investment or a complete financial overhaul to begin.
Instead, Canna explains how small, ordinary financial decisions &mdash; paying off expensive debt, redirecting old repayments, building emergency savings, investing consistently, reviewing your super and reinvesting passive income &mdash; can gradually stack together and move you closer to financial freedom.
She also explores the two sides of the Freedom Score equation: increasing the passive income your assets generate while becoming more intentional about how much income your lifestyle requires.
Using her own $1,000 Project as an example, Canna explains how consistently building income-producing assets &mdash; and then reinvesting the income they generate &mdash; can eventually mean your existing wealth starts helping you build even more wealth.
In this episode:
<ul>
<li>
How to establish your financial starting point
</li>
<li>
What to do when you feel like you have nothing left over to invest
</li>
<li>
Why starting small is still starting
</li>
<li>
How creating financial breathing room can help you move forward
</li>
<li>
Why paying off expensive consumer debt can be an important first step
</li>
<li>
The simple trick of redirecting repayments once a debt is gone
</li>
<li>
Why emergency savings help protect your investment strategy
</li>
<li>
How to start building income-producing assets
</li>
<li>
Why you don&rsquo;t need to build the entire portfolio today &mdash; you just need to start
</li>
<li>
How reinvesting passive income can help accelerate compounding
</li>
<li>
Why starting earlier gives your money more time to work
</li>
<li>
The important role super can play in building long-term wealth
</li>
<li>
The two levers you can use to improve your Freedom Score
</li>
<li>
Why controlling lifestyle creep matters
</li>
<li>
How automating savings, investing and repayments can make progress easier
</li>
<li>
Why every pay rise, paid-off debt or financial saving should be given its next job
</li>
<li>
How to track your progress without becoming obsessed with reaching 100%
</li>
</ul>
Financial freedom is rarely created by one brilliant investment or clever financial hack.
It&rsquo;s built through hundreds of relatively ordinary financial decisions that begin stacking on top of each other.
The debt gets smaller. Your cash flow gets stronger. Your investments get bigger. Your passive income grows. And eventually, your money starts helping you do some of the heavy lifting.
So don&rsquo;t look at someone else&rsquo;s financial position. Don&rsquo;t become overwhelmed by 100%. And don&rsquo;t wait for the perfect time to begin.
Start from where you are. Choose your next financial move. Then focus on your next 1%.

START HERE Part 2: How to Get Closer to Financial Freedom: Your Next 1%

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/8a2e29d3-94ab-460e-8cd3-b4cb007e664d/transcript

Podcast NotesWhere Real Financial Confidence Comes From

Do you ever feel like you're constantly searching for certainty when it comes to your money?

Whether it's predictions about the stock market, property prices, interest rates or even AI-generated financial advice, we're surrounded by people claiming they know exactly what comes next.

But what if real financial confidence has nothing to do with predicting the future?

In this episode of SugarMamma's Fireplay, I explore why we're naturally drawn to certainty, how fear can quietly influence our financial decisions, and why the most successful investors don't build wealth by trying to predict the future—they build it by following a well-thought-out financial strategy.

Together we'll explore:


Why our brains naturally crave certainty, especially during uncertain times.


The psychology behind market predictions and financial "gurus."


Why confidence and credibility aren't always the same thing.


How social media and headlines influence the way we think about money.


Where genuine financial confidence actually comes from.


Practical ways to build financial resilience without trying to predict the future.


Why your habits, systems and financial strategy matter far more than the next headline.

This episode isn't really about investing.

It's about building a healthier relationship with money, uncertainty and yourself.

Because the goal isn't to know exactly what will happen next.

It's to build a financial life that's strong enough to navigate whatever happens next.

If this episode resonated with you, I'd love it if you shared it with someone who could use a little more financial confidence in their life.

And if you're enjoying SugarMamma's Fireplay, please take a moment to subscribe, leave a review and help more people discover the podcast.

Keep that financial fire burning bright within. 🤍

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

Podcast NotesWhere Real Financial Confidence Comes From
Do you ever feel like you're constantly searching for certainty when it comes to your money?
Whether it's predictions about the stock market, property prices, interest rates or even AI-generated financial advice, we're surrounded by people claiming they know exactly what comes next.
But what if real financial confidence has nothing to do with predicting the future?
In this episode of SugarMamma's Fireplay, I explore why we're naturally drawn to certainty, how fear can quietly influence our financial decisions, and why the most successful investors don't build wealth by trying to predict the future&mdash;they build it by following a well-thought-out financial strategy.
Together we'll explore:
<ul>
<li>
Why our brains naturally crave certainty, especially during uncertain times.
</li>
<li>
The psychology behind market predictions and financial "gurus."
</li>
<li>
Why confidence and credibility aren't always the same thing.
</li>
<li>
How social media and headlines influence the way we think about money.
</li>
<li>
Where genuine financial confidence actually comes from.
</li>
<li>
Practical ways to build financial resilience without trying to predict the future.
</li>
<li>
Why your habits, systems and financial strategy matter far more than the next headline.
</li>
</ul>
This episode isn't really about investing.
It's about building a healthier relationship with money, uncertainty and yourself.
Because the goal isn't to know exactly what will happen next.
It's to build a financial life that's strong enough to navigate whatever happens next.
If this episode resonated with you, I'd love it if you shared it with someone who could use a little more financial confidence in their life.
And if you're enjoying SugarMamma's Fireplay, please take a moment to subscribe, leave a review and help more people discover the podcast.
Keep that financial fire burning bright within. 🤍
💡 If you want my help with your Budget or Money Mindset
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>
📚 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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

The Financial Lie We All Want to Believe - Protecting you from this mistake

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/487b1ffb-92c1-4b82-a834-b4a500b3f4aa/transcript

The Power of a Concrete Financial Goal

Introducing the Freedom Score and Mindful

Understanding Your Freedom Score

The Mindful Money Number: Your Personal

Balancing Freedom Score and Mindful Money

The Importance of Starting Early

Next Steps: From Numbers to Action

How Close Are You to Financial Freedom? Calculate Your Freedom Score

What if you could actually put a number on your financial freedom — and see exactly how far you’ve already travelled towards it?

In this episode of Start Here, Canna explores the Freedom Score: a simple way to measure how much of your current lifestyle could theoretically be funded by the passive income your investments are already generating.

She also explains how the Freedom Score compares with the Mindful Money Number — the personal annual passive-income target Canna has used for years to define and track her own journey towards financial freedom.

Using simple examples, Canna explains how to calculate both numbers, why your Mindful Money Number needs to consider factors such as income tax and inflation, and why your number should reflect the life you want to fund rather than somebody else’s definition of wealth.

Canna also shares the progress of her own $1,000 Project, now worth approximately $380,000 and generating around $17,000 a year in passive income. With that income being reinvested, the portfolio itself is now helping to buy more investments — demonstrating why starting earlier and giving your money time to compound can make such a significant difference.

In this episode:


What financial freedom actually means


How to calculate your Freedom Score


What your Freedom Score can tell you about your progress


The difference between a Freedom Score and a Mindful Money Number


How to choose a passive-income target that is meaningful to you


Why income tax needs to be factored into your Mindful Money Number


Why inflation matters, particularly when financial freedom is a long-term goal


How to measure your progress without becoming overwhelmed by the end goal


Why starting earlier gives your investments more time to work


How reinvesting passive income can help accelerate the compounding process


How Canna’s $1,000 Project is now generating approximately $17,000 a year in passive income


Why you should focus on your next 1%, rather than becoming fixated on reaching 100%

This is Part One of a two-part Start Here series on financial freedom.

In Part Two, Canna moves from measuring financial freedom to building it, with a practical roadmap to help you create more financial breathing room, reduce debt, build assets, reinvest income, use super strategically and steadily increase your passive income.

Because saying “I want to be financially free” is an aspiration.

Giving financial freedom a number turns it into a goal.

Don’t focus on getting to 100%. Focus on your next 1%.

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

How Close Are You to Financial Freedom? Calculate Your Freedom Score
What if you could actually put a number on your financial freedom &mdash; and see exactly how far you&rsquo;ve already travelled towards it?
In this episode of Start Here, Canna explores the Freedom Score: a simple way to measure how much of your current lifestyle could theoretically be funded by the passive income your investments are already generating.
She also explains how the Freedom Score compares with the Mindful Money Number &mdash; the personal annual passive-income target Canna has used for years to define and track her own journey towards financial freedom.
Using simple examples, Canna explains how to calculate both numbers, why your Mindful Money Number needs to consider factors such as income tax and inflation, and why your number should reflect the life you want to fund rather than somebody else&rsquo;s definition of wealth.
Canna also shares the progress of her own $1,000 Project, now worth approximately $380,000 and generating around $17,000 a year in passive income. With that income being reinvested, the portfolio itself is now helping to buy more investments &mdash; demonstrating why starting earlier and giving your money time to compound can make such a significant difference.
In this episode:
<ul>
<li>
What financial freedom actually means
</li>
<li>
How to calculate your Freedom Score
</li>
<li>
What your Freedom Score can tell you about your progress
</li>
<li>
The difference between a Freedom Score and a Mindful Money Number
</li>
<li>
How to choose a passive-income target that is meaningful to you
</li>
<li>
Why income tax needs to be factored into your Mindful Money Number
</li>
<li>
Why inflation matters, particularly when financial freedom is a long-term goal
</li>
<li>
How to measure your progress without becoming overwhelmed by the end goal
</li>
<li>
Why starting earlier gives your investments more time to work
</li>
<li>
How reinvesting passive income can help accelerate the compounding process
</li>
<li>
How Canna&rsquo;s $1,000 Project is now generating approximately $17,000 a year in passive income
</li>
<li>
Why you should focus on your next 1%, rather than becoming fixated on reaching 100%
</li>
</ul>
This is Part One of a two-part Start Here series on financial freedom.
In Part Two, Canna moves from measuring financial freedom to building it, with a practical roadmap to help you create more financial breathing room, reduce debt, build assets, reinvest income, use super strategically and steadily increase your passive income.
Because saying &ldquo;I want to be financially free&rdquo; is an aspiration.
Giving financial freedom a number turns it into a goal.
Don&rsquo;t focus on getting to 100%. Focus on your next 1%.
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

START HERE: Part 1: How Close Are You to Financial Freedom? Calculate Your Freedom Score

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/1fc97274-1d9f-4aae-96c0-b4cb007e1f17/transcript

The Importance of a Strong Money Mindset

Budgeting and Cash Flow Management

The Power of Early Investing

Managing Debt Wisely

Maximizing Superannuation Potential

Protecting Your Financial Future

Build Financial Independence From Your First Paycheck

Graduating and starting your first full-time job is one of the biggest financial milestones of your life. What you do with your very first paycheck can shape your financial future for decades to come.

In this podcast episode, I'm sharing the five financial foundations I put in place early in my own journey—habits that helped me build financial independence, create long-term wealth and give myself more choice, security and freedom.

We'll cover:
✔️ How to create a budget that actually works
✔️ Why an emergency fund should be your first financial priority
✔️ How to manage your student debt strategically
✔️ Setting up your superannuation for long-term growth
✔️ The power of salary sacrificing (when it suits your circumstances)
✔️ Creating meaningful financial goals that keep you motivated
✔️ Why protecting your income and wealth matters just as much as building it

Financial independence isn't built overnight. It's built through small, consistent decisions that compound over time—and there is no better time to start than with your very first full-time paycheck.

If this episode helped you, I'd love for you to follow my show and join our community. New episodes are released every Monday and Friday, to help you build confidence with your money and create a life of financial freedom.

💛 Subscribe for weekly episodes on:
• Investing
• Budgeting & cash flow
• Financial independence
• Property
• Wealth-building strategies
• Money mindset
• Living a financially harmonious life

⬇️ I'd love to hear from you in the comments:
If you could give your younger self one piece of financial advice before starting full-time work, what would it be?

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

#FinancialIndependence #FirstPaycheck #MoneyTips #PersonalFinance #Graduates #Budgeting #Investing #Superannuation #FinancialFreedom #SugarMammaTV

Build Financial Independence From Your First Paycheck
Graduating and starting your first full-time job is one of the biggest financial milestones of your life. What you do with your very first paycheck can shape your financial future for decades to come.
In this podcast episode, I'm sharing the five financial foundations I put in place early in my own journey&mdash;habits that helped me build financial independence, create long-term wealth and give myself more choice, security and freedom.
We'll cover: ✔️ How to create a budget that actually works ✔️ Why an emergency fund should be your first financial priority ✔️ How to manage your student debt strategically ✔️ Setting up your superannuation for long-term growth ✔️ The power of salary sacrificing (when it suits your circumstances) ✔️ Creating meaningful financial goals that keep you motivated ✔️ Why protecting your income and wealth matters just as much as building it
Financial independence isn't built overnight. It's built through small, consistent decisions that compound over time&mdash;and there is no better time to start than with your very first full-time paycheck.
If this episode helped you, I'd love for you to follow my show and join our community. New episodes are released every Monday and Friday, to help you build confidence with your money and create a life of financial freedom.
💛 Subscribe for weekly episodes on: &bull; Investing &bull; Budgeting &amp; cash flow &bull; Financial independence &bull; Property &bull; Wealth-building strategies &bull; Money mindset &bull; Living a financially harmonious life
⬇️ I'd love to hear from you in the comments: If you could give your younger self one piece of financial advice before starting full-time work, what would it be?
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;
#FinancialIndependence #FirstPaycheck #MoneyTips #PersonalFinance #Graduates #Budgeting #Investing #Superannuation #FinancialFreedom #SugarMammaTV

Your First Full-Time Salary Could Change Your Life (If You Do These 5 Things)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/27da8465-965f-4b9b-97b9-b4b30004a80d/transcript

A Difficult Family Financial Dilemma

The Inheritance Conundrum

Financial Abuse and Legal Considerations

Professional Support and Financial Planning

Practical Guardrails for Inheritance

Navigating Difficult Conversations and

Protecting Wealth and Dignity

My Mother-In-Law Will Gamble Away Their Retirement. What Can We Do? | How To Protect Ageing Parents From Financial Harm

What do you do when someone you love is about to receive a life-changing inheritance... but you're genuinely worried it could disappear?

In this episode of Start Here, I answer one of the most heartbreaking questions I've ever received.

A listener shares her fears that her in-laws—both in their early seventies with no home, no superannuation and very little financial security—are about to inherit around $700,000. Instead of feeling relieved, she's terrified. She believes her mother-in-law has a long history of gambling, her father-in-law has very little control over the family's finances, and this inheritance could be their last opportunity for a secure retirement.

But this episode isn't just about gambling.

It's about something much bigger.

It's about protecting the people we love while respecting their independence.

Because for your family, it might not be gambling. It could be compulsive spending, shopping addiction, alcohol or drug dependency, romance scams, investment scams, online fraud, cognitive decline or financial abuse.

So how do you help without taking over?

In this episode, I'll walk you through:
How to recognise the warning signs of financial abuse and financial vulnerability.
Why more money doesn't solve behavioural problems—it often magnifies them.
The legal realities every family needs to understand before trying to step in.
The importance of seeking legal advice, financial advice and professional addiction support.
Practical ways to build financial guardrails around an inheritance.
How to have difficult conversations with ageing parents in a compassionate and respectful way.
Why healthy boundaries aren't selfish—they're essential.
The steps you can take now to help protect your parents' financial future before a crisis occurs.

This is one of the most emotional and important Start Here episodes I've ever recorded, and I hope it gives anyone facing a similar situation the confidence to start the conversation.

Because sometimes the greatest act of love isn't giving someone money.

It's helping protect it.

Resources Mentioned

If you're concerned about gambling, financial abuse or protecting an ageing parent, please seek professional advice as early as possible.

• Speak with an experienced solicitor in your state or territory regarding Powers of Attorney and your legal options.
• Consider seeking advice from a licensed financial adviser to build a sustainable retirement income plan.
• If addiction is involved, encourage your loved one to seek professional support as early as possible.
• If you're concerned about elder abuse or financial abuse, support is available through services in every Australian state and territory.

If you enjoyed this episode, please subscribe, leave a review and share it with someone who may need to hear this conversation. It helps more people discover the podcast and empowers more Australians to build financial security with confidence.

💡 If you want my help with your Budget or Money Mindset

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

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

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

📜 Financial Planning License Details

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

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

 

My Mother-In-Law Will Gamble Away Their Retirement. What Can We Do? | How To Protect Ageing Parents From Financial Harm
<hr data-start="146" data-end="149">
What do you do when someone you love is about to receive a life-changing inheritance... but you're genuinely worried it could disappear?
In this episode of Start Here, I answer one of the most heartbreaking questions I've ever received.
A listener shares her fears that her in-laws&mdash;both in their early seventies with no home, no superannuation and very little financial security&mdash;are about to inherit around $700,000. Instead of feeling relieved, she's terrified. She believes her mother-in-law has a long history of gambling, her father-in-law has very little control over the family's finances, and this inheritance could be their last opportunity for a secure retirement.
But this episode isn't just about gambling.
It's about something much bigger.
It's about protecting the people we love while respecting their independence.
Because for your family, it might not be gambling. It could be compulsive spending, shopping addiction, alcohol or drug dependency, romance scams, investment scams, online fraud, cognitive decline or financial abuse.
So how do you help without taking over?
In this episode, I'll walk you through:
<ul data-start="1317" data-end="1980">
<li data-section-id="aeacf9" data-start="1317" data-end="1401">How to recognise the warning signs of financial abuse and financial vulnerability.</li>
<li data-section-id="7b2qj8" data-start="1402" data-end="1478">Why more money doesn't solve behavioural problems&mdash;it often magnifies them.</li>
<li data-section-id="1tahwe9" data-start="1479" data-end="1559">The legal realities every family needs to understand before trying to step in.</li>
<li data-section-id="13m8ctg" data-start="1560" data-end="1654">The importance of seeking legal advice, financial advice and professional addiction support.</li>
<li data-section-id="1fooedp" data-start="1655" data-end="1724">Practical ways to build financial guardrails around an inheritance.</li>
<li data-section-id="xnng8u" data-start="1725" data-end="1821">How to have difficult conversations with ageing parents in a compassionate and respectful way.</li>
<li data-section-id="3oc1d0" data-start="1822" data-end="1880">Why healthy boundaries aren't selfish&mdash;they're essential.</li>
<li data-section-id="1svnju" data-start="1881" data-end="1980">The steps you can take now to help protect your parents' financial future before a crisis occurs.</li>
</ul>
This is one of the most emotional and important Start Here episodes I've ever recorded, and I hope it gives anyone facing a similar situation the confidence to start the conversation.
Because sometimes the greatest act of love isn't giving someone money.
It's helping protect it.
<hr data-start="2273" data-end="2276">
Resources Mentioned
If you're concerned about gambling, financial abuse or protecting an ageing parent, please seek professional advice as early as possible.
&bull; Speak with an experienced solicitor in your state or territory regarding Powers of Attorney and your legal options. &bull; Consider seeking advice from a licensed financial adviser to build a sustainable retirement income plan. &bull; If addiction is involved, encourage your loved one to seek professional support as early as possible. &bull; If you're concerned about elder abuse or financial abuse, support is available through services in every Australian state and territory.
<hr data-start="2915" data-end="2918">
If you enjoyed this episode, please subscribe, leave a review and share it with someone who may need to hear this conversation. It helps more people discover the podcast and empowers more Australians to build financial security with confidence.
💡 If you want my help with your Budget or Money Mindset
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>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<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.)
🌟 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>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</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).
&nbsp;

START HERE: My Mother-in-Law Is Gambling Away Their Retirement. What Can We Do?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/55e0ff4c-4226-4073-9386-b4b6017f0229/transcript

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

What should this single parent do? Sell and downsize or push on? Such a hard question, so personal and the best advice really depends on so many moving variables. Whilst I can't give personal advice, these are the crucial questions to ask and get advice about. I never want you to have any regrets, and one of the best ways to reduce this risk is to act carefully and arm yourself what as much relevant information as possible.

To submit your confidential "Start here" question, to help you get started, you can message me on Instagram. I am always here to help you. 

 @SugarMammaTV 

Here are my two books:

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq 

Mindful Money: https://amzn.to/3RV0poc 

Amazon affiliate links to my own books.

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!: 

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMamma.TV

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

 

 

 

What should this single parent do? Sell and downsize or push on? Such a hard question, so personal and the best advice really depends on so many moving variables. Whilst I can't give personal advice, these are the crucial questions to ask and get advice about. I never want you to have any regrets, and one of the best ways to reduce this risk is to act carefully and arm yourself what as much relevant information as possible.
To submit your confidential "Start here" question, to help you get started, you can message me on Instagram. I am always here to help you.&nbsp;
&nbsp;<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;
Here are my two books:
Best Seller: The $1000 Project Book:&nbsp;<a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money:&nbsp;<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
Amazon affiliate links to my own books.
In the meantime...
HOW YOU CAN WORK WITH ME (&amp; I CAN HELP YOU): (includes one-on-one appointment with me...)
If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget &amp; Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here:&nbsp;<a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, if you want me as your Money Mindset &amp; Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:&nbsp;
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My YouTube channel - over 500 bite size videos with over 12,000,000 views!&nbsp;<a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="https://www.sugarmamma.tv/">www.SugarMamma.TV</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?"&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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;
&nbsp;
&nbsp;
&nbsp;

START HERE: Single Mum: Should I downsize if I can't afford my mortgage or enjoy any lifestyle?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f9c96d60-83c6-4018-bfa7-b306006db1e0/transcript

Thrilled that this mini series with SugarMamma's Fireplay is here to stay! This is where you pick my brain for free, about what you need to do, consider and question to help get you started and heading in the right direction, with no regrets and filled with financial empowerment.

It goes without saying, always general advice, but I will give you the specific strategies to research, questions to ask your financial planner and where possible, free resources that have either helped me or I know that are trustworthy of value.

To submit your question, you must message me directly @SugarMammaTV on Instagram. 

If you want to learn more about how to fix your finances, I highly recommend reading my two books! 

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq 

Mindful Money: https://amzn.to/3RV0poc 

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!: 

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMamma.TV

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

Thrilled that this mini series with SugarMamma's Fireplay is here to stay! This is where you pick my brain for free, about what you need to do, consider and question to help get you started and heading in the right direction, with no regrets and filled with financial empowerment.
It goes without saying, always general advice, but I will give you the specific strategies to research, questions to ask your financial planner and where possible, free resources that have either helped me or I know that are trustworthy of value.
To submit your question, you must message me directly @SugarMammaTV on Instagram.&nbsp;
If you want to learn more about how to fix your finances, I highly recommend reading my two books!&nbsp;
Best Seller: The $1000 Project Book:&nbsp;<a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money:&nbsp;<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
In the meantime...
HOW YOU CAN WORK WITH ME (&amp; I CAN HELP YOU): (includes one-on-one appointment with me...)
If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget &amp; Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here:&nbsp;<a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, if you want me as your Money Mindset &amp; Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:&nbsp;
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My YouTube channel - over 500 bite size videos with over 12,000,000 views!&nbsp;<a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="https://www.sugarmamma.tv/">www.SugarMamma.TV</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?"&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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 Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.&nbsp;

Start Here: Episode 6- How can I invest this $10,000 gift into shares?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/b90e277b-8ddf-43df-a653-b306005dd284/transcript

Start Here! Where you get to pick my brain as to where you should get started with your investing journey! Today's episode is from a listener who is wondering if she should jump on this opportunity to buy her sister in law's apartment. So many things to consider, so to "start here" I help break down some of the key steps to follow before signing the dotted line.

Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going, which is also where you can send your own "Start Here" questions in. 

Here are my two books:

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq 

Mindful Money: https://amzn.to/3RV0poc 

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!: 

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com 

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

 

Start Here! Where you get to pick my brain as to where you should get started with your investing journey! Today's episode is from a listener who is wondering if she should jump on this opportunity to buy her sister in law's apartment. So many things to consider, so to "start here" I help break down some of the key steps to follow before signing the dotted line.
Let me know what you think of this episode by reaching out to me&nbsp;<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a> so that we can keep this conversation going, which is also where you can send your own "Start Here" questions in.&nbsp;
Here are my two books:
Best Seller: The $1000 Project Book:&nbsp;<a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money: <a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
In the meantime...
HOW YOU CAN WORK WITH ME (&amp; I CAN HELP YOU): (includes one-on-one appointment with me...)
If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget &amp; Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: <a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, if you want me as your Money Mindset &amp; Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:&nbsp;
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My YouTube channel - over 500 bite size videos with over 12,000,000 views! <a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="http://www.sugarmammatv/">www.SugarMammaTV.com&nbsp;</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?" <a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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 Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.&nbsp;
&nbsp;

START HERE! Should I buy this investment property for my mum?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/0a670413-6607-4812-ac1f-b2b70142ef7d/transcript

Start Here is a mini series within Fireplay that gives you some insights to get started on working on your financial game plan. The things you need to consider, understand and even investigate to stop wasting time and start building real sustainable wealth, where your money works and grows efficiently for you. Only ever general in natures and for educational purposes but hopefully the best injection of knowledge to help empower you to get started today. 

Please send all your start here questions to: canna@sugarmamma.tv 

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass

Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing):

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My Best Selling Books!

The $1000 Project Book: https://amzn.to/3RV0Bnq 

Mindful Money: https://amzn.to/3RV0poc 

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com 

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

See you next Monday morning for another empowering episode of SugarMamma’s Fireplay!

Start Here is a mini series within Fireplay that gives you some insights to get started on working on your financial game plan. The things you need to consider, understand and even investigate to stop wasting time and start building real sustainable wealth, where your money works and grows efficiently for you. Only ever general in natures and for educational purposes but hopefully the best injection of knowledge to help empower you to get started today.&nbsp;
Please send all your start here questions to: <a href="mailto:canna@sugarmamma.tv">canna@sugarmamma.tv</a>&nbsp;
In the meantime...
HOW YOU CAN WORK WITH ME (&amp; I CAN HELP YOU): (includes one-on-one appointment with me...)
If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget &amp; Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: <a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, don&rsquo;t forget to register my free Money Mindset &amp; Manifestation Masterclass if you need help with motivation, clarity and support: <a href="https://courses.sugarmamma.tv/masterclass">https://courses.sugarmamma.tv/masterclass</a>
Or you can just get started straight away and have me as your accountability coach through the Money Mindset &amp; Manifestation Program here (P.S. It is game changing):
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My Best Selling Books!
The $1000 Project Book: <a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money: <a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
My YouTube channel - over 500 bite size videos with over 12,000,000 views! <a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="http://www.sugarmammatv/">www.SugarMammaTV.com&nbsp;</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?" <a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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 Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.&nbsp;
See you next Monday morning for another empowering episode of SugarMamma&rsquo;s Fireplay!

START HERE! Should I upgrade my home or invest in my financial future? HELP!

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/e1d65d6a-f270-4425-84dd-b240014c42df/transcript

For your "Start here" questions, please send them directly to me on Instagram @SugarMammaTV or @CannaCampbellofficial

Please know that this is general in nature and for educational purposes only. It is so important that you do a risk profile, understand your deadlines for your goals, take into consideration your situation, security and values. Always see a Financial Planner for personal advice. 

IN THE MEANTIME...HOW I CAN HELP YOU:

If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget & Cashflow Masterclass here and yes, this included a FREE Zoom appointment with me one on one: https://courses.sugarmamma.tv/registration-page

Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget & Cashflow Academy course here: https://courses.sugarmamma.tv/Signup

Also, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass

Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing):

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My Best Selling Books!

The $1000 Project Book: booktopia.kh4ffx.net/DVqDMj

Mindful Money: booktopia.kh4ffx.net/Xxrz5o

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com 

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

 

For your "Start here" questions, please send them directly to me on Instagram @SugarMammaTV or @CannaCampbellofficial
Please know that this is general in nature and for educational purposes only. It is so important that you do a risk profile, understand your deadlines for your goals, take into consideration your situation, security and values. Always see a Financial Planner for personal advice.&nbsp;
IN THE MEANTIME...HOW I CAN HELP YOU:
If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget &amp; Cashflow Masterclass here and yes, this included a FREE Zoom appointment with me one on one: <a href="https://courses.sugarmamma.tv/registration-page">https://courses.sugarmamma.tv/registration-page</a>
Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget &amp; Cashflow Academy course here: <a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, don&rsquo;t forget to register my free Money Mindset &amp; Manifestation Masterclass if you need help with motivation, clarity and support: <a href="https://courses.sugarmamma.tv/masterclass">https://courses.sugarmamma.tv/masterclass</a>
Or you can just get started straight away and have me as your accountability coach through the Money Mindset &amp; Manifestation Program here (P.S. It is game changing):
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My Best Selling Books!
The $1000 Project Book: <a href="http://booktopia.kh4ffx.net/DVqDMj">booktopia.kh4ffx.net/DVqDMj</a>
Mindful Money: <a href="http://booktopia.kh4ffx.net/Xxrz5o">booktopia.kh4ffx.net/Xxrz5o</a>
My YouTube channel - over 500 bite size videos with over 12,000,000 views! <a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="http://www.sugarmammatv/">www.SugarMammaTV.com&nbsp;</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?" <a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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;
&nbsp;

START HERE! HELP! I am 38 and don't know what to do! How can I catch up?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/fa184a25-4db2-44c6-b04d-b14e00469334/transcript

Start Here! Helping clear the path for you to see how you can get started and finally feel and see the financial breakthrough that you have been needing for so long. Strictly general in nature and for educational purposes only, but these are just some ideas to research before meeting with a Financial Planner, so that you know how to get started and keep moving with your own financial future adventure.

HOW I CAN HELP YOU:

If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget & Cashflow Masterclass here: https://courses.sugarmamma.tv/registration-page

Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget & Cashflow Academy course here: https://courses.sugarmamma.tv/Signup

Also, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass

Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing):

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My Best Selling Books!

The $1000 Project Book: https://amzn.to/3RV0Bnq 

Mindful Money: https://amzn.to/3RV0poc 

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com 

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

 

Start Here! Helping clear the path for you to see how you can get started and finally feel and see the financial breakthrough that you have been needing for so long. Strictly general in nature and for educational purposes only, but these are just some ideas to research before meeting with a Financial Planner, so that you know how to get started and keep moving with your own financial future adventure.
HOW I CAN HELP YOU:
If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget &amp; Cashflow Masterclass here: <a href="https://courses.sugarmamma.tv/registration-page">https://courses.sugarmamma.tv/registration-page</a>
Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget &amp; Cashflow Academy course here: <a href="https://courses.sugarmamma.tv/Signup">https://courses.sugarmamma.tv/Signup</a>
Also, don&rsquo;t forget to register my free Money Mindset &amp; Manifestation Masterclass if you need help with motivation, clarity and support: <a href="https://courses.sugarmamma.tv/masterclass">https://courses.sugarmamma.tv/masterclass</a>
Or you can just get started straight away and have me as your accountability coach through the Money Mindset &amp; Manifestation Program here (P.S. It is game changing):
<a href="https://courses.sugarmamma.tv/join">https://courses.sugarmamma.tv/join</a>
Stay updated &amp; inspired...
<a href="https://www.instagram.com/sugarmammatv/?hl=en">@SugarMammaTV</a>&nbsp;&ndash; Money, budgeting, cashflow, motivation
<a href="https://www.instagram.com/cannacampbellofficial/?hl=en">@CannaCampbellofficial</a>&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;<a href="https://www.tiktok.com/@sugarmammatv">https://www.tiktok.com/@sugarmammatv</a>
My Best Selling Books!
The $1000 Project Book: <a href="https://amzn.to/3RV0Bnq">https://amzn.to/3RV0Bnq</a>&nbsp;
Mindful Money: <a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>&nbsp;
My YouTube channel - over 500 bite size videos with over 12,000,000 views! <a href="https://www.youtube.com/c/SugarMamma">https://www.youtube.com/c/SugarMamma</a>
<a href="http://www.sugarmammatv/">www.SugarMammaTV.com&nbsp;</a>
Also, don't forget about my other podcast channel, "How Do They Afford That?" <a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235</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;
&nbsp;

START HERE! Should I pay off the mortgage or invest in shares?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/0c67aeae-ce00-4169-877f-b1a8016baf21/transcript

START HERE! Episode 1: Strictly general in nature and for educational purposes, but to help get you started and moving in the right direction....send your "Where do I start?" questions to:

canna@sugarmamma.tv 

In the meantime...

If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget & Cashflow Masterclass here: https://courses.sugarmamma.tv/registration-page

Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget & Cashflow Academy course here: https://courses.sugarmamma.tv/Signup

Also, don’t forget to register my free Money Mindset & Manifestation Masterclass if you need help with motivation, clarity and support: https://courses.sugarmamma.tv/masterclass

Or you can just get started straight away and have me as your accountability coach through the Money Mindset & Manifestation Program here (P.S. It is game changing):

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My Best Selling Books!

The $1000 Project Book: booktopia.kh4ffx.net/DVqDMj

Mindful Money: booktopia.kh4ffx.net/Xxrz5o

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com  - subscribe to access your FREE Budget Template

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

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. 

START HERE! Episode 1: Strictly general in nature and for educational purposes, but to help get you started and moving in the right direction....send your "Where do I start?" questions to:
<a href="mailto:canna@sugarmamma.tv">canna@sugarmamma.tv</a>&nbsp;
In the meantime...
If you need help with your budget or are sick of living paycheque to paycheque, sign up to the FREE SugarMamma Budget &amp; Cashflow Masterclass here:&nbsp;https://courses.sugarmamma.tv/registration-page
Or you can just get started with fixing your budget today by enrolling in The SugarMamma Budget &amp; Cashflow Academy course here:&nbsp;https://courses.sugarmamma.tv/Signup
Also, don&rsquo;t forget to register my free Money Mindset &amp; Manifestation Masterclass if you need help with motivation, clarity and support:&nbsp;https://courses.sugarmamma.tv/masterclass
Or you can just get started straight away and have me as your accountability coach through the Money Mindset &amp; Manifestation Program here (P.S. It is game changing):
https://courses.sugarmamma.tv/join
Stay updated &amp; inspired...
@SugarMammaTV&nbsp;&ndash; Money, budgeting, cashflow, motivation
@CannaCampbellofficial&nbsp;&ndash; lifestyle, capsule wardrobe fashion, motherhood
Tik Tok -&nbsp;https://www.tiktok.com/@sugarmammatv
My Best Selling Books!
The $1000 Project Book:&nbsp;booktopia.kh4ffx.net/DVqDMj
Mindful Money:&nbsp;booktopia.kh4ffx.net/Xxrz5o
My YouTube channel - over 500 bite size videos with over 12,000,000 views!&nbsp;https://www.youtube.com/c/SugarMamma
www.SugarMammaTV.com&nbsp; - subscribe to access your FREE Budget Template
Also, don't forget about my other podcast channel, "How Do They Afford That?"&nbsp;https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235
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;

START HERE! Did Brydie blow her $100,000 inheritance?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/3a00932e-2564-4b65-a281-b13b004e778a/transcript

🎙️ Start Here – Your Fresh Financial Beginning

Welcome to the Start Here mini series—designed to help you take those first, crucial steps toward your financial wellbeing with clarity, confidence and direction. This is your space to get unstuck, clear the mental clutter, and finally move past the blocks, excuses and fears that have been holding you back.

Each episode is shaped by your questions, so if you’ve ever wanted to pick my brain—now’s the time! While I never give personal advice, I do offer reliable, general guidance based on my 20+ years as a Financial Planner, all in a safe, non-judgmental and educational format.

💬 Send me your questions via DM on Instagram at @SugarMammaTV or @CannaCampbellOfficial—I’ll feature them anonymously in future episodes so we can help you (and others just like you) get started the right way, the first time.

Because financial empowerment starts with one small step—and I’m here to take it with you.

🎙️ Start Here &ndash; Your Fresh Financial Beginning
Welcome to the Start Here mini series&mdash;designed to help you take those first, crucial steps toward your financial wellbeing with clarity, confidence and direction. This is your space to get unstuck, clear the mental clutter, and finally move past the blocks, excuses and fears that have been holding you back.
Each episode is shaped by your questions, so if you&rsquo;ve ever wanted to pick my brain&mdash;now&rsquo;s the time! While I never give personal advice, I do offer reliable, general guidance based on my 20+ years as a Financial Planner, all in a safe, non-judgmental and educational format.
💬 Send me your questions via DM on Instagram at @SugarMammaTV or @CannaCampbellOfficial&mdash;I&rsquo;ll feature them anonymously in future episodes so we can help you (and others just like you) get started the right way, the first time.
Because financial empowerment starts with one small step&mdash;and I&rsquo;m here to take it with you.

SugarMamma’s Fireplay

Social links:

Follow the podcast:

352 clip(s)

7 clip(s)