Has the Bank of Mum and Dad closed its doors?

After appearing on the Today Show to discuss a new report showing fewer parents are helping their children into the property market, I knew this was a conversation we needed to have.

This isn’t based on a listener question. Instead, it’s inspired by the growing uncertainty many Australian families are feeling right now.

If you’ve ever wondered:

• Should I help my children buy a home?
• Am I selfish if I can’t afford to help?
• How do I protect my retirement while still supporting my family?
• What are the alternatives to gifting a six-figure deposit?

…then this episode is for you.

In this episode, I explain:

• Why many parents are pressing pause on helping adult children buy property.
• How the changing investment landscape is affecting family financial decisions.
• The growing wealth gap—and why compassion matters on both sides.
• Practical ways to support your children without risking your own financial future.
• Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits.
• What to consider before acting as a guarantor, lending money or gifting a deposit.
• Why protecting your own financial independence is one of the greatest gifts you can give your children.

Whether you’re a parent trying to make the right decision or an adult child wanting to better understand your parents’ perspective, this episode will help you navigate one of the most emotional financial conversations many Australian families are facing today.

Remember: Supporting your children isn’t always about giving them money. Sometimes it’s about giving them the confidence, skills and financial habits to build lasting wealth for themselves.

💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home.

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💡 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:

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.
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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.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
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• Keynote speaking book via canna@sugarmamma.tv
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• 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).