The Budget That Could Change How Australians Build Wealth, Financial Independence & Stability 

In this episode of SugarMamma’s Fireplay, Canna shares her honest thoughts and concerns around the proposed Federal Budget changes to Capital Gains Tax and negative gearing — and what she believes these changes may mean for everyday Australians trying to build wealth, financial independence and long-term security.

This is not a political episode.

Instead, this is a calm and thoughtful conversation around:

• investor psychology,
• behavioural change,
• financial confidence,
• property investing,
• long-term wealth creation,
• and how Australians may need to adapt moving forward.

Canna breaks down:

• what Capital Gains Tax actually is,
• how the current 50% CGT discount works,
• the proposed move toward a new minimum 30% CGT framework,
• how negative gearing currently works,
• and how the proposed rules may impact future property investors.

She also shares:

• why she believes many investors may hold onto assets much longer,
• concerns around a potential “lock in” effect,
• why investor turnover may fall,
• how this may impact the property market,
• why some Australians may emotionally disengage from investing altogether,
• and why diversification beyond the family home may become more important than ever.

Canna also openly shares how she and Tom are personally reviewing their own investment strategy in light of the proposed changes — including:

• reassessing their negatively geared property,
• prioritising mortgage reduction,
• focusing more heavily on shares and passive income,
• and becoming more strategic around superannuation contributions.

Most importantly, this episode is a reminder that:

• governments change,
• policies change,
• tax systems change…

…but our responsibility to build our own financial wellbeing never changes.

This episode is designed to empower Australians to stay informed, stay engaged and continue building long-term financial security — even during uncertain times.

Topics Covered

• Federal Budget 2026
• Capital Gains Tax explained
• Proposed CGT changes
• Negative gearing explained
• Grandfathering rules
• Property investing in Australia
• Investor psychology
• Wealth creation strategies
• Passive income investing
• Dividend investing
• Financial independence
• Superannuation strategies
• Long-term investing
• FIRE movement Australia
• Cost of living pressures
• Australian property market
• Investor behaviour
• Building wealth in uncertain times

Important Disclaimer

This podcast episode contains general information and commentary only and does not constitute financial, tax or legal advice. Proposed budget measures discussed in this episode may change and may not yet be legislated. Please seek professional advice before making financial decisions.

💡 Work With Me

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

1. The SugarMamma Budget & Cashflow Academy
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   This course includes aone-on-one appointment with me so I can personally help you.
   👉 Enrol here

1. Money Mindset & Manifestation Mentorship
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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
• 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).

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