In this Start Here episode, I tackle a thoughtful and highly relevant question:
“Should I reinvest my dividends OR use them to pay down my mortgage?”

As a Financial Planner and dividend-focused investor, I help unpack this decision from both a practical and mindset perspective. Explaining how each option can serve different goals and life stages, and how to think clearly about risk, return, and long-term financial freedom.

🔍 In This Episode, You’ll Learn:

• What dividends are and why they’re powerful
• The benefits of reinvesting dividends for compound growth
• When it might make sense to direct dividends to pay down debt
• How to weigh interest saved vs income earned
• Why there’s no "one-size-fits-all" approach
• How to stay focused on your goals and timeline
• The importance of having a clear passive income target

💬 Let’s Keep the Conversation Going

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

📚 My Books

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

• Best Seller: The $1000 Project

• **Mindful Money](https://amzn.to/3RV0poc)

• Motivated Money by Peter Thornhill (a huge inspiration for me): Read it here

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

💡 Work With Me

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

1. The SugarMamma Budget & Cashflow Academy
   Sick of living paycheque to paycheque or feeling overwhelmed by your money?
   This course includes a one-on-one appointment with me so I can personally help you.
   👉 Enrol here

2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉 Join 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: www.SugarMamma.TV

• 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).

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