Debt Recycling, CGT Changes & a Baby on the Way: Should We Change Our Wealth Plan?

In this Start Here episode, Canna answers a thoughtful question from a listener who is debt recycling their mortgage into a share portfolio while preparing to welcome their first child.

With ongoing discussion around proposed changes to Capital Gains Tax (CGT) and Negative Gearing, many investors are understandably wondering whether they should rethink their long-term wealth building strategy.

In this episode, Canna explains what these potential changes could mean, who may actually be impacted, and why reconnecting with your financial goals is often more important than reacting to political headlines.

In This Episode:

✔️ What debt recycling is and how it works

✔️ Why negative gearing and debt recycling are not necessarily the same thing

✔️ How proposed tax changes may affect investors differently

✔️ The key difference between investing for capital growth and passive income

✔️ Why CGT only becomes relevant when you sell an asset

✔️ When it may be worth seeking personalised financial advice

✔️ The additional risks of borrowing to invest when starting a family

✔️ Why emergency savings become even more important during major life transitions

✔️ Reviewing personal insurance when children arrive

✔️ The role superannuation should continue to play in your long-term wealth strategy

✔️ How to avoid making emotional decisions based on financial headlines

✔️ Why financial flexibility often matters more than chasing the perfect tax outcome

Key Takeaway

Governments change.
Tax rules change.
Markets change.

But timeless wealth-building principles remain remarkably consistent:

• Stay diversified
• Manage debt carefully
• Protect your cashflow
• Build emergency reserves
• Review your strategy regularly
• Invest with purpose
• Focus on long-term goals rather than short-term noise

The most successful investors are often not those who predict the future perfectly, but those who build resilient financial plans that can adapt as life changes.

General Advice Warning

The information discussed in this episode is general advice only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking advice from a licensed financial adviser, accountant or mortgage broker.

Connect With Canna

📚 Author of The $1,000 Project, Mindful Money and Financial Freedom

🎙️ Host of SugarMamma’s Fireplay

📱 Instagram:
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@CannaCampbellOfficial

🌐 Learn more at  SugarMammaTV

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📚 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.)

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⚖️ 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).

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