Starting Over at 67

The Shock of Divorce at 67

Take It One Step at a Time

Legal Advice First

Financial Snapshot: Know Your Assets and

Housing: A Major Consideration

Superannuation: An Untapped Resource

Centrelink: Don't Assume You're Eligible

Emergency Fund: A Safety Net

Building an Income Plan, Not Just Investments

The Power of Continued Work

Rebuilding Around Yourself

A Personal Approach to Financial Recovery

Encouragement for Those Starting Over

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Starting Over Financially After Divorce at 60+: Where Do You Begin?

What happens when the retirement you thought you were going to have suddenly changes?

In this episode of Start Here, I answer a heartbreaking question from a listener whose 67-year-old mother is facing separation and an uncertain financial future after decades of building a life with her husband.

While we don't have enough information to provide specific financial guidance — and this isn't about trying to solve everything overnight — there are some incredibly important places to start.

We talk about why an “equal” split of assets isn't something you should automatically agree to without independent legal advice, and why understanding your complete financial position needs to come before making major decisions about your home, superannuation or investments.

I also walk through the practical foundations of rebuilding financial security later in life, including:
working out what your new life actually costs
understanding exactly what you own and owe
considering housing security without putting every available dollar into a home
understanding the role of superannuation in creating retirement income
checking your potential Centrelink and Age Pension entitlements
keeping accessible emergency money
turning a lump sum into a sustainable income plan rather than simply spending it down
considering whether some form of work or business income still has a place in your future
getting legal and financial advice before making decisions that may be difficult to reverse.

Most importantly, this episode is about remembering that starting again later in life does not mean starting from zero.

You may not be able to recreate the financial journey you could have started at 30 or 40 — and you don't need to.

The goal now is to make the strongest possible decisions with what you have today, and build a financial plan around the life you want from here.

Because you don't need to solve the next 30 years today.

You just need to know where to start.

General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking independent legal and licensed financial advice appropriate to your circumstances.

💡 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).

 

 

Starting Over Financially After Divorce at 60+: Where Do You Begin?
What happens when the retirement you thought you were going to have suddenly changes?
In this episode of&nbsp;Start Here, I answer a heartbreaking question from a listener whose 67-year-old mother is facing separation and an uncertain financial future after decades of building a life with her husband.
While we don't have enough information to provide specific financial guidance &mdash; and this isn't about trying to solve everything overnight &mdash; there are some incredibly important places to start.
We talk about why an &ldquo;equal&rdquo; split of assets isn't something you should automatically agree to without independent legal advice, and why understanding your complete financial position needs to come before making major decisions about your home, superannuation or investments.
I also walk through the practical foundations of rebuilding financial security later in life, including:
<ul>
<li>working out what your new life actually costs</li>
<li>understanding exactly what you own and owe</li>
<li>considering housing security without putting every available dollar into a home</li>
<li>understanding the role of superannuation in creating retirement income</li>
<li>checking your potential Centrelink and Age Pension entitlements</li>
<li>keeping accessible emergency money</li>
<li>turning a lump sum into a sustainable income plan rather than simply spending it down</li>
<li>considering whether some form of work or business income still has a place in your future</li>
<li>getting legal and financial advice before making decisions that may be difficult to reverse.</li>
</ul>
Most importantly, this episode is about remembering that&nbsp;starting again later in life does not mean starting from zero.
You may not be able to recreate the financial journey you could have started at 30 or 40 &mdash; and you don't need to.
The goal now is to make the strongest possible decisions with what you have today, and build a financial plan around the life you want from here.
Because you don't need to solve the next 30 years today.
You just need to know where to start.
General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking independent legal and licensed financial advice appropriate to your circumstances.
💡 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;
&nbsp;

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

SugarMamma’s Fireplay

START HERE: Navigating divorce in your 60s for financial security

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/3756d8a3-a132-4371-949f-b4d3009322fa/transcript