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

SugarMamma’s Fireplay (Trailer)

Intro

Welcome to Start Here

Setting the Stage for Financial Success

Mastering Your Money Flow

The Power of Early Investing

Superannuation and Government Incentives

Investing in Yourself

Wrapping Up and Call to Action

Check out PocketSmith here: pocketsmith.com/fireplay

If you’re just starting university, your first job, or your financial life, this episode is for you.

In this episode of Start Here, Canna answers a listener question from Kate — a university student who has just finished school and wants to know the smartest financial steps she can take now to set herself up for the future.

The truth is, building wealth isn’t about earning a huge salary or having the perfect plan. It’s about putting simple systems and habits in place early so that your money can grow with you over time.

In this episode, Canna shares five powerful financial steps every young adult can take to build strong financial foundations.

These steps will help you avoid common money mistakes, build confidence with money, and start creating long-term wealth.

What You’ll Learn:

• Why building a budget AND a cashflow system is the key to financial consistency

• How to calculate the right amount of emergency savings for your personal situation

• How investing just $100 per week could potentially grow into over $500,000 over time

• Why ETFs and Listed Investment Companies (LICs) can be powerful long-term investments

• The hidden benefits of engaging with your superannuation early

• How young Australians can take advantage of the Government Co-Contribution scheme

• Why investing in yourself, your education and experiences is one of the most valuable investments you can make.

Key Takeaway:

You don’t need to have everything figured out to start building wealth.

Small financial habits — practiced consistently over time — can quietly transform your financial future.

The most powerful thing you can do with money is simply start early and stay consistent.

Resources Mentioned

• The $1000 Project – Canna Campbell

• Mindful Money – Canna Campbell

• SugarMamma Budget & Cashflow Academy

Disclaimer

The information shared in this podcast is general in nature and does not take into account your personal circumstances. For advice tailored to your situation, please speak with a licensed financial professional.

Check out PocketSmith here: <a href="http://pocketsmith.com/fireplay">pocketsmith.com/fireplay</a>
If you&rsquo;re just starting university, your first job, or your financial life, this episode is for you.
In this episode of Start Here, Canna answers a listener question from Kate &mdash; a university student who has just finished school and wants to know the smartest financial steps she can take now to set herself up for the future.
The truth is, building wealth isn&rsquo;t about earning a huge salary or having the perfect plan. It&rsquo;s about putting simple systems and habits in place early so that your money can grow with you over time.
In this episode, Canna shares five powerful financial steps every young adult can take to build strong financial foundations.
These steps will help you avoid common money mistakes, build confidence with money, and start creating long-term wealth.
What You&rsquo;ll Learn:
&bull; Why building a budget AND a cashflow system is the key to financial consistency
&bull; How to calculate the right amount of emergency savings for your personal situation
&bull; How investing just $100 per week could potentially grow into over $500,000 over time
&bull; Why ETFs and Listed Investment Companies (LICs) can be powerful long-term investments
&bull; The hidden benefits of engaging with your superannuation early
&bull; How young Australians can take advantage of the Government Co-Contribution scheme
&bull; Why investing in yourself, your education and experiences is one of the most valuable investments you can make.
Key Takeaway:
You don&rsquo;t need to have everything figured out to start building wealth.
Small financial habits &mdash; practiced consistently over time &mdash; can quietly transform your financial future.
The most powerful thing you can do with money is simply start early and stay consistent.
Resources Mentioned
&bull; The $1000 Project &ndash; Canna Campbell
&bull; Mindful Money &ndash; Canna Campbell
&bull; SugarMamma Budget &amp; Cashflow Academy
Disclaimer
The information shared in this podcast is general in nature and does not take into account your personal circumstances. For advice tailored to your situation, please speak with a licensed financial professional.

START HERE: 5 Smart Money Moves to Set Yourself Up Financially in Your 20s

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/208aea61-1729-48b5-8c19-b41b00878f59/transcript

Check out PocketSmith here: pocketsmith.com/fireplay

At the beginning of 2025, I read Atomic Habits by James Clear, and it fundamentally shifted how I approach money, discipline and long-term success.

Not through motivation.

Not through extreme budgeting.

Not through hustle.

But through systems and tiny repeated behaviours.

In this episode of SugarMamma’s Fireplay, I break down exactly how to apply the principles of Atomic Habits to your financial life — so that wealth building becomes steady, structured and sustainable.

If your New Year’s resolutions are fading…

If you feel frustrated with slow financial progress…

If you’re tired of relying on motivation…

This episode will show you how to build financial momentum that compounds quietly in the background of your life.

In This Episode, We Cover:

• Why habits are the compound interest of financial growth

• The difference between goals and systems (and why systems win)

• How identity drives your money behaviours

• Practical examples of habit stacking for budgeting and investing

• The 4 Laws of Habit Formation applied to money

• How to make financial discipline easier (and even enjoyable)

• Why “boring” money habits create extraordinary results

• How to become the type of person who naturally builds wealth

 

Practical Takeaways:

By the end of this episode, you’ll know how to:

✔ Create 3 micro financial habits that support your biggest goals

✔ Design an environment that supports saving and investing

✔ Automate your wealth building

✔ Reinforce identity-based financial behaviours

✔ Build momentum through small, measurable wins

Key Message:

Wealth is rarely built through one big decision.

It’s built through thousands of tiny, intentional ones.

And when your habits align with the identity of a wealth builder, financial freedom becomes a by-product — not a struggle.

📚 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 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.

🌟 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: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).

 

Check out PocketSmith here: <a href="http://pocketsmith.com/fireplay">pocketsmith.com/fireplay</a>
At the beginning of 2025, I read <a href="chatgpt://generic-entity?number=0">Atomic Habits</a>&nbsp;by&nbsp;<a href="chatgpt://generic-entity?number=1">James Clear</a>, and it fundamentally shifted how I approach money, discipline and long-term success.
Not through motivation.
Not through extreme budgeting.
Not through hustle.
But through systems and tiny repeated behaviours.
In this episode of SugarMamma&rsquo;s Fireplay, I break down exactly how to apply the principles of Atomic Habits to your financial life &mdash; so that wealth building becomes steady, structured and sustainable.
If your New Year&rsquo;s resolutions are fading&hellip;
If you feel frustrated with slow financial progress&hellip;
If you&rsquo;re tired of relying on motivation&hellip;
This episode will show you how to build financial momentum that compounds quietly in the background of your life.
In This Episode, We Cover:
&bull; Why habits are the compound interest of financial growth
&bull; The difference between goals and systems (and why systems win)
&bull; How identity drives your money behaviours
&bull; Practical examples of habit stacking for budgeting and investing
&bull; The 4 Laws of Habit Formation applied to money
&bull; How to make financial discipline easier (and even enjoyable)
&bull; Why &ldquo;boring&rdquo; money habits create extraordinary results
&bull; How to become the type of person who naturally builds wealth
&nbsp;
Practical Takeaways:
By the end of this episode, you&rsquo;ll know how to:
✔ Create 3 micro financial habits that support your biggest goals
✔ Design an environment that supports saving and investing
✔ Automate your wealth building
✔ Reinforce identity-based financial behaviours
✔ Build momentum through small, measurable wins
Key Message:
Wealth is rarely built through one big decision.
It&rsquo;s built through thousands of tiny, intentional ones.
And when your habits align with the identity of a wealth builder, financial freedom becomes a by-product &mdash; not a struggle.
📚 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.)
💡 Work With Me
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>
🌟 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>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 <a href="tel:97 678 975 589">97 678 975 589</a>).
&nbsp;

Your Financial Atomic Habits! Easy Financial Success

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/06c9a7e4-6fa7-4939-88bb-b403009ccc2e/transcript

Check out PocketSmith here: pocketsmith.com/fireplay

In this Start Here episode of SugarMamma’s Fireplay, Canna answers a thoughtful question from a listener navigating the financial realities of single parenthood and irregular child support payments.

When income is unpredictable, building financial stability can feel overwhelming — especially when you’re also trying to eliminate debt, build emergency savings and eventually buy a home.

In this episode, Canna shares a practical step-by-step strategy to help you prioritise your financial goals and create a stronger financial foundation.

If you’ve ever wondered how to manage irregular income while still making progress toward your financial future, this episode will give you a clear roadmap to follow.

What You’ll Learn in This Episode:

• Why mindset and budgeting are the two most powerful foundations for financial success

• The smartest order to tackle debt, emergency savings and long-term goals

• Why Buy Now Pay Later debt should be eliminated as quickly as possible

• The hidden financial cost of car loans and depreciating assets

• How to determine the right emergency fund amount for your personal situation

• Practical strategies to accelerate debt repayment using automation and lump sums

• How irregular income payments can actually become financial turbo boosts

• The first steps to take when planning to buy your first home

• Why superannuation should never be overlooked — even when other goals feel more urgent

• The importance of protecting your income through personal insurance

Who This Episode Is For:

This episode is particularly valuable if you are:

• A single parent managing finances independently

• Receiving irregular income or child support payments

• Trying to eliminate debt and build financial security

• Saving for your first home

• Looking for a clear, practical financial plan to follow

IMPORTANT NOTE FROM CANNA:

If you’re listening today and navigating your finances on your own, remember this:

Small, consistent steps forward — even when progress feels slow — can completely transform your financial future.

General Advice Disclaimer:

The information shared in this podcast is for general educational purposes only and does not take into account your personal financial circumstances. For personalised advice, please speak with a licensed financial professional.

To connect with Canna to ask your “Start Here” questions, you can catch her here: canna@sugarmamma.tv

Check out PocketSmith here: <a href="http://pocketsmith.com/fireplay">pocketsmith.com/fireplay</a>
In this Start Here episode of SugarMamma&rsquo;s Fireplay, Canna answers a thoughtful question from a listener navigating the financial realities of single parenthood and irregular child support payments.
When income is unpredictable, building financial stability can feel overwhelming &mdash; especially when you&rsquo;re also trying to eliminate debt, build emergency savings and eventually buy a home.
In this episode, Canna shares a practical step-by-step strategy to help you prioritise your financial goals and create a stronger financial foundation.
If you&rsquo;ve ever wondered how to manage irregular income while still making progress toward your financial future, this episode will give you a clear roadmap to follow.
What You&rsquo;ll Learn in This Episode:
&bull; Why mindset and budgeting are the two most powerful foundations for financial success
&bull; The smartest order to tackle debt, emergency savings and long-term goals
&bull; Why Buy Now Pay Later debt should be eliminated as quickly as possible
&bull; The hidden financial cost of car loans and depreciating assets
&bull; How to determine the right emergency fund amount for your personal situation
&bull; Practical strategies to accelerate debt repayment using automation and lump sums
&bull; How irregular income payments can actually become financial turbo boosts
&bull; The first steps to take when planning to buy your first home
&bull; Why superannuation should never be overlooked &mdash; even when other goals feel more urgent
&bull; The importance of protecting your income through personal insurance
Who This Episode Is For:
This episode is particularly valuable if you are:
&bull; A single parent managing finances independently
&bull; Receiving irregular income or child support payments
&bull; Trying to eliminate debt and build financial security
&bull; Saving for your first home
&bull; Looking for a clear, practical financial plan to follow
IMPORTANT NOTE FROM CANNA:
If you&rsquo;re listening today and navigating your finances on your own, remember this:
Small, consistent steps forward &mdash; even when progress feels slow &mdash; can completely transform your financial future.
General Advice Disclaimer:
The information shared in this podcast is for general educational purposes only and does not take into account your personal financial circumstances. For personalised advice, please speak with a licensed financial professional.
To connect with Canna to ask your &ldquo;Start Here&rdquo; questions, you can catch her here: canna@sugarmamma.tv

START HERE: How to Manage Irregular Child Support, Pay Off Debt & Build Financial Security as a Single Parent

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/a9459b8f-02a6-4605-907c-b416017c52c2/transcript

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