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:


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


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).

✨ This version keeps all your links but makes it cleaner, easier to scan, and more compelling.

Would you like me to also create a condensed version (like a “lite” backend note) that you can quickly drop into platforms where space is tighter, e.g., Spotify or Apple Podcasts descriptions?

In this Start Here episode, I tackle a thoughtful and highly relevant question: &ldquo;Should I reinvest my dividends OR use them to pay down my mortgage?&rdquo;
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.
🔍&nbsp;In This Episode, You&rsquo;ll Learn:
<ul>
<li>What dividends are and why they&rsquo;re powerful</li>
<li>The benefits of&nbsp;reinvesting dividends&nbsp;for compound growth</li>
<li>When it might make sense to&nbsp;direct dividends to pay down debt</li>
<li>How to weigh&nbsp;interest saved&nbsp;vs&nbsp;income earned</li>
<li>Why there&rsquo;s no "one-size-fits-all" approach</li>
<li>How to stay focused on&nbsp;your&nbsp;goals and timeline</li>
<li>The importance of having a&nbsp;clear passive income target</li>
</ul>
<hr>
💬 Let&rsquo;s Keep the Conversation Going
I&rsquo;d love to hear your thoughts on this episode! Reach out to me anytime on Instagram <a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a> so we can keep this important conversation alive.
<hr>
📚 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): <a href="https://amzn.to/40rn2Vr">Read it here</a>
</li>
</ul>
(These are Amazon affiliate links to my own books.)
<hr>
💡 Work With Me
Want more support on your financial journey? Here&rsquo;s how we can work together:
<ol>
<li>
The SugarMamma Budget &amp; 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. 👉 <a href="https://courses.sugarmamma.tv/Signup">Enrol here</a>
</li>
<li>
Money Mindset &amp; Manifestation Coaching Join my program for ongoing support, clarity, and motivation. You&rsquo;ll get direct access to me and a community of like-minded people ready to make powerful change. 👉 <a href="https://courses.sugarmamma.tv/join">Join here</a>
</li>
</ol>
<hr>
🌟 Stay Connected &amp; Inspired
<ul>
<li>
Instagram: <a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a> &mdash; money, budgeting, cashflow &amp; motivation
</li>
<li>
Instagram: <a href="https://www.instagram.com/cannacampbellofficial">@CannaCampbellofficial</a> &mdash; lifestyle, capsule wardrobe fashion, motherhood
</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> &mdash; over 500 bite-sized videos with more than 12 million views!
</li>
<li>
Website: <a href="https://www.sugarmamma.tv/">www.SugarMamma.TV</a>
</li>
<li>
Don&rsquo;t forget my other podcast: How Do They Afford That? 👉 <a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">Listen here</a>
</li>
</ul>
<hr>
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is general information only &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>
<hr>
📜 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).
<hr>
✨ This version keeps all your links but makes it cleaner, easier to scan, and more compelling.
Would you like me to also create a condensed version (like a &ldquo;lite&rdquo; backend note) that you can quickly drop into platforms where space is tighter, e.g., Spotify or Apple Podcasts descriptions?

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: Should I use my dividends to pay off DEBT or REINVEST for FINANCIAL FREEDOM?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/be220f93-9123-4710-918d-b339000fb5ba/transcript