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.

🎧 Subscribe to Start Here so you never miss an episode, and if you’re enjoying the podcast, I’d be so grateful if you left a review—it helps more Australians discover practical, trusted financial guidance.

💡 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:
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).

 

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&rsquo;t based on a listener question. Instead, it&rsquo;s inspired by the growing uncertainty many Australian families are feeling right now.
If you&rsquo;ve ever wondered:
<ul>
<li>Should I help my children buy a home?</li>
<li>Am I selfish if I can&rsquo;t afford to help?</li>
<li>How do I protect my retirement while still supporting my family?</li>
<li>What are the alternatives to gifting a six-figure deposit?</li>
</ul>
&hellip;then this episode is for you.
In this episode, I explain:
<ul>
<li>Why many parents are pressing pause on helping adult children buy property.</li>
<li>How the changing investment landscape is affecting family financial decisions.</li>
<li>The growing wealth gap&mdash;and why compassion matters on both sides.</li>
<li>Practical ways to support your children without risking your own financial future.</li>
<li>Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits.</li>
<li>What to consider before acting as a guarantor, lending money or gifting a deposit.</li>
<li>Why protecting your own financial independence is one of the greatest gifts you can give your children.</li>
</ul>
Whether you&rsquo;re a parent trying to make the right decision or an adult child wanting to better understand your parents&rsquo; 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&rsquo;t always about giving them money. Sometimes it&rsquo;s about giving them the confidence, skills and financial habits to build lasting wealth for themselves.
&nbsp;
💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home.
🎧 Subscribe to Start Here so you never miss an episode, and if you&rsquo;re enjoying the podcast, I&rsquo;d be so grateful if you left a review&mdash;it helps more Australians discover practical, trusted financial guidance.
💡 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:
<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):&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;

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: The Bank of Mum and Dad: How to Help Without Going Broke

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/ac26c9dd-8428-43ea-9159-b48900506b4f/transcript