🎧 START HERE: Helping Adult Children Into Property Without Sacrificing Your Own Financial Future

Helping adult children enter the property market is one of the most emotionally charged money decisions parents face today.

In this Start Here episode, Canna responds to a thoughtful listener question from parents in their early 50s who are financially disciplined, investing for their own future — and wondering how (or whether) to help their adult children buy property without compromising their own long-term security.

This episode isn’t about quick fixes or fear-based decisions. It’s about balance, boundaries, and building independence — for both generations.

🏠 In this episode, we cover:

✔ Why this decision isn’t about generosity vs selfishness
Helping your kids should never come at the cost of your own independence, wellbeing, or financial security — especially when parents may still have 30–40 years of living costs ahead.

✔ Starting with the kids — not the property
Before any strategy is considered, it’s essential to understand what your children actually want, their motivation for buying, and whether they’re emotionally and financially ready for long-term debt.

✔ The non-negotiable role of financial discipline
Why parental help should reward good habits — not replace them — and why discipline must come before deposits, guarantees, or joint ownership.

✔ Longevity risk: the danger parents often underestimate
Why parents need to prioritise their own superannuation, cashflow, and long-term goals before offering financial support — and the risks of leaving yourself short later in life.

🔍 We break down common strategies, including:

• Acting as a guarantor — the real risks, legal responsibilities, and why this isn’t a “soft favour”

• Buying property jointly with a child — where this can work, and where it often gets complicated

• Purchasing an investment property together while children rent elsewhere

• Dollar-for-dollar matching — a powerful way to support discipline while capping parental risk

📈 A powerful alternative: building a share portfolio first

One of the most overlooked — and effective — strategies discussed in this episode:

• Helping children build a share portfolio before buying property

• Using dividends to help service mortgage repayments

• Designing a portfolio to eventually become a deposit, or to support long-term financial independence

• Why learning to invest through market ups and downs is critical before taking on a 30-year mortgage

As Canna explains:
“Rather than racing to buy an asset that costs money every month, you can help your children build an asset that pays them.”

⚖️ Relationships, boundaries & legal reality

We also discuss:

• The risks around partners, breakups, and family law

• Why love is emotional — but property is legal

• The importance of clear agreements, estate planning, and independent advice

💛 The key takeaway

Supporting adult children into property can be a beautiful thing — when it’s intentional, disciplined, and values-aligned.

There is no single right answer.
But there is a right process.

Your children have time.
You have a responsibility to yourself.

And the best outcomes come when both are respected.

🎙 This episode is general information only and does not consider your personal circumstances. Always seek personal financial and legal advice before making major financial decisions.

💬 Let’s Keep the Conversation Going - email me canna@sugarmamma.tv - no personal advice

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

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

💡 Work With Me

Want more support on your financial journey? Here’s how we can work together:

1. 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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

🌟 Stay Connected & Inspired

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

⚖️ General Advice Warning

While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:

• Do your own research.
• Weigh up the pros, cons, fees, caps, taxes, and risks.
• Seek professional advice before making financial decisions.

📜 Financial Planning License Details

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

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