SugarMamma’s Fireplay

Canna Campbell SugarMammaTV

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

  1. 1d ago

    Laura Paid Off Another $177,000 of Her Mortgage... Here's Exactly How - Secrets & Hacks

    How She Paid Off Even More of Her Mortgage (An Inspiring Debt-Free Update) A few years ago, Laura from The Savvy Mamma joined me on Fireplay to share how she and her husband paid an incredible $316,500 off their mortgage in just four and a half years. It quickly became one of our most inspiring conversations, proving that you don't need a huge income or a perfect financial situation to make extraordinary progress—you simply need a clear goal, consistency and a willingness to take action. Today, Laura is back. Since we last spoke, life has changed. Her family has grown, they've settled into a new home and continued working towards financial freedom. In this follow-up episode, we discuss: • How much more debt Laura has paid off since we last spoke.• Her current mortgage balance and financial progress.• How becoming a parent again has influenced her financial decisions.• The biggest lessons she's learned along the way.• Common mistakes homeowners make when trying to pay off their mortgage.• The habits that have made the biggest difference.• Whether she's now focusing on investing outside of property.• What financial freedom looks like for her family today. If you're feeling overwhelmed by your mortgage, wondering whether extra repayments are worth it or simply looking for motivation to stay focused on your financial goals, this episode is packed with practical advice and real-life inspiration. Remember, financial freedom isn't built through one big decision—it's built through hundreds of small decisions made consistently over time. If you enjoyed this episode, please subscribe, leave a review and share it with someone who is working towards becoming debt free. 💡 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 AcademySick 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 MentorshipJoin 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).   Follow Laura: @thesavvymamma #Mortgage #MortgageFree #DebtFree #HomeLoan #PersonalFinance #FinancialFreedom #MoneyMindset #FinancialPlanning #PayOffYourMortgage #AustralianFinance See omnystudio.com/listener for privacy information.

  2. 4d ago

    START HERE: Will My Super Last? How to Avoid Running Out of Money in Retirement

    Will Your Super Last? How to Avoid Running Out of Money in Retirement One of the biggest fears Australians have about retirement isn't building enough super. It's running out of it. In this episode of Start Here, I answer a thoughtful question from a listener who is about to retire with almost $800,000 in superannuation but is worried it may not last. If you've ever wondered: Will my super be enough? How much money do I actually need in retirement? Should I move everything into cash? How do I protect myself from market downturns? What happens if I live longer than expected? ...then this episode is for you. Together we'll explore practical ways to create more confidence around your retirement, including: ✔️ Why knowing your annual living expenses is more important than focusing on your super balance. ✔️ Why your money may still need exposure to growth assets throughout retirement. ✔️ My "Sleep Well Strategy" and why holding around two years of living expenses in cash may help you navigate market volatility. ✔️ Retirement strategies worth exploring, including the downsizer contribution, reviewing assets held outside super and understanding potential Centrelink entitlements. ✔️ Why retirement doesn't have to be all or nothing, and how even a small amount of income can reduce pressure on your retirement savings. ✔️ The importance of seeking personalised financial advice before making significant retirement decisions. Retirement isn't about having certainty. It's about building a flexible plan that gives you confidence, peace of mind and the freedom to enjoy the next chapter of your life. Whether retirement is just around the corner or still years away, this episode will help you start preparing today. If you enjoyed this episode, I'd be so grateful if you left a review or shared it with someone who may also be thinking about retirement. It really helps more Australians discover the podcast and improve their financial confidence. 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

    START HERE: Will My Super Last? How to Avoid Running Out of Money in Retirement
  3. Aug 2

    Why Money Is The #1 Cause Of Relationship Stress (And How To Fix It)

    Why Money Is The #1 Cause Of Relationship Stress (And How To Fix It) Money touches almost every area of our lives. It affects where we live, how we raise our children, our lifestyle choices, retirement plans, career decisions and even our sense of security. It's therefore no surprise that financial stress is one of the leading causes of relationship conflict, with recent research showing that 71% of relationship breakdowns involve financial stress. In this episode, I unpack why money creates so much tension in relationships, the warning signs to watch for, and the practical strategies couples can use to build greater financial harmony. In This Episode We Discuss: ✅ Why money arguments are rarely just about money ✅ How different money personalities can create conflict ✅ Common financial red flags in relationships ✅ The dangers of hidden debt and secret spending ✅ Financial abuse and coercive control: what it looks like ✅ Why transparency builds trust ✅ How to create shared financial goals without losing independence ✅ The importance of "sanity money" and personal spending freedom ✅ How regular money conversations can strengthen a relationship ✅ Practical ways to reduce financial stress as a couple Financial Red Flags To Watch For Hiding purchases or debts Refusing to discuss money One partner controlling all financial decisions Restricting access to bank accounts or financial information Excessive gambling or spending habits Constant financial secrecy Using money to manipulate, punish or control a partner Simple Ways To Improve Financial Harmony Schedule regular money check-ins Create shared financial goals Build an emergency fund together Be transparent about debt, spending and financial commitments Maintain some personal financial independence Ensure both partners understand the household finances Seek professional support early if money becomes a major source of conflict Key Takeaway A strong relationship isn't built by having perfect finances. It's built through trust, communication, transparency and working together towards a shared vision for your future. Money should be a tool that supports your relationship, not something that quietly undermines it. If you enjoyed this episode, please share it with a friend or loved one who might benefit from it. Don't forget to subscribe to SugarMamma's Fireplay and leave a review to help more Australians improve their financial wellbeing and create greater financial freedom. 🔥💛 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

  4. Jul 30

    START HERE: Debt Free - Here is what to do next for long term financial success

    Debt free. Savings in the bank. No financial stress. It sounds like the finish line. But for many people, it’s actually the beginning of a completely new financial chapter. In this episode of Start Here, I answer a listener’s question about what happened after she worked incredibly hard to pay off a significant amount of debt. Instead of feeling excited, she found herself feeling a little lost—without a clear financial direction and slowly dipping into her savings. If you’ve ever reached a major money milestone and wondered, “What now?”, this episode is for you. In this episode, we explore: Why paying off debt is a huge achievement—but not the end of your financial journey. The mindset shift from debt elimination to wealth creation. Why money without a purpose has a habit of disappearing. How to create meaningful financial goals for your next chapter. Building systems that make saving and investing automatic. Finding the balance between enjoying your money today and planning for tomorrow. Why your financial strategy should evolve as your life changes. How to avoid drifting financially after reaching a major milestone. Remember, becoming debt free isn’t the destination. It’s the foundation that gives you the freedom to intentionally build wealth, create opportunities and design a life that truly reflects what matters most to you. 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

    START HERE: Debt Free - Here is what to do next for long term financial success
  5. Jul 26

    5 Changes We're Making To Our Financial Game Plan - Because of The Federal Budget

    5 Changes We're Making After The Federal Budget The recent Federal Budget didn't change our financial goals... but it did change how we're thinking about achieving them. Over the past few months, Tom and I have been reviewing every part of our financial strategy. Not because we're panicking or abandoning our long-term investing philosophy, but because when tax laws and legislation change, it's worth asking one simple question: Does our financial plan still support the future we're trying to build? In this personal episode of SugarMamma's Fireplay, I'm taking you behind the scenes and sharing the five biggest changes we're making to our family's financial strategy, including how we're thinking about: ✔️ The proposed Capital Gains Tax changes and whether to sell investments earlier than planned ✔️ Why superannuation has become an even bigger priority in our long-term wealth plan ✔️ Why I'm focusing on growing passive income rather than simply chasing higher investment returns ✔️ Why we've brought forward some major home projects, despite delaying our mortgage-free goal ✔️ How we're thinking differently about debt recycling, negative gearing and using debt to build wealth I'll also share what hasn't changed, because despite the headlines, our long-term philosophy remains exactly the same: building sustainable passive income, paying off non-deductible debt and creating financial independence. Whether you're an investor, homeowner or simply trying to make smarter financial decisions in an ever-changing world, this episode will help you think more strategically about your own financial future. In this episode: Why we're reviewing when to sell investments The impact of the proposed Capital Gains Tax changes Why superannuation has become even more valuable Investing for growing passive income Dividend investing and long-term wealth creation Why our family home has become a bigger priority Debt recycling and negative gearing after the Federal Budget What hasn't changed in our financial philosophy How to review your own financial strategy with confidence Remember, this episode is general in nature and doesn't take into account your personal objectives, financial situation or needs. If you're considering making changes to your own financial strategy, seek professional advice from a licensed financial planner, accountant and mortgage broker. 💡 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 AcademySick 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 MentorshipJoin 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). Federal Budget, Capital Gains Tax, CGT, Superannuation, Passive Income, Investing, Australian Shares, ETFs, LICs, Dividend Investing, Debt Recycling, Negative Gearing, Mortgage, Financial Independence, Wealth Building, Personal Finance Australia, Money Mindset, Tax Planning, Financial Planning, FIRE Movement. See omnystudio.com/listener for privacy information.

    5 Changes We're Making To Our Financial Game Plan - Because of The Federal Budget
  6. Jul 23

    START HERE: Build Wealth & Financial Freedom Without Debt Recycling

    Some people describe it as one of the most powerful wealth-building strategies available. Others say if you're investing in ETFs while still paying off your home loan without debt recycling, you're "leaving money on the table." But is that really true? In this Start Here episode, I answer a listener's excellent question about whether debt recycling is essential for building long-term wealth, or whether you can still create financial freedom without it. We'll unpack what debt recycling actually is, how it works, why so many investors use it, and just as importantly, the risks that are often overlooked. I'll also explain another way people borrow to invest through margin loans, including what a margin call is, how regular gearing plans work, and the pros and cons of each strategy. Most importantly, we'll talk about why you should never feel pressured into using a financial strategy that doesn't suit your personality, goals or risk tolerance. Because building wealth isn't about copying someone else's strategy. It's about finding the strategy you can confidently stick with for decades. In this episode you'll learn: • What debt recycling actually is (in plain English) • How debt recycling can improve tax efficiency • The benefits and risks of borrowing to invest • Why leverage isn't suitable for everyone • What a margin loan is and how it compares to debt recycling • What a margin call is and why it matters • How to reduce the risks when borrowing to invest • What to look for when comparing margin loans • Why superannuation remains one of Australia's most powerful wealth-building tools • Why consistency often beats chasing the "perfect" strategy Whether you're just starting to invest in ETFs, paying off your mortgage, or wondering if you're missing out by not debt recycling, this episode will help you better understand your options so you can make informed decisions with confidence. Remember: The best investment strategy isn't necessarily the most complicated one. It's the one you understand, feel comfortable with and can consistently follow over the long term. 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

    START HERE:  Build Wealth & Financial Freedom Without Debt Recycling
  7. Jul 19

    Why Financial Confidence Matters More Than Your Net Worth

    We often assume that financial confidence comes from having more money. A bigger salary.A bigger investment portfolio.A bigger net worth. But what if financial confidence has very little to do with how much money you have and far more to do with how much control you feel you have over your finances? Inspired by the latest ING Sense of Us Report, this episode explores how Australians are adapting to economic uncertainty, rising living costs and financial pressure by focusing on what they can control. Rather than waiting for interest rates to fall or the economy to improve, many Australians are taking action today through budgeting, investing, building better money habits and creating small financial wins that build momentum over time. We also explore: • Why financial confidence matters more than your net worth• The surprising optimism Australians are feeling despite cost-of-living pressures• How small financial wins create momentum and confidence• The meaning behind the saying "small hinges swing big doors"• Why Australians are becoming more resourceful with their money• How loyalty programs, strategic shopping and budgeting are helping households fight back against rising costs• Why Australians are redefining what wealth means to them• The rise of intentional spending and the importance of experiences, wellbeing and connection• How to stop procrastinating and start taking action with your money• The simple mindset shift that can help build lasting financial confidence One of the most powerful findings from the report was that Australians aren't standing still. They're adapting. They're rewriting the financial playbook and proving that confidence isn't built through one big breakthrough, but through lots of small actions repeated consistently over time. Because whilst one habit may not change your life, enough of them absolutely can. The question is: Are you waiting for things to get easier, or are you getting started? Key Takeaway: Financial confidence isn't something you wait for. It's something you build. Consistently, steadily, over time. Education is key, backed with action.  By focusing on what you can control, creating small financial wins and taking consistent action, you can create momentum that transforms not only your finances, but your relationship with money as well. 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

    Why Financial Confidence Matters More Than Your Net Worth
  8. Jul 16

    START HERE: Super vs Shares: Where Should Your Next Investment Dollar Go?

    Many Australians eventually reach the same crossroads in their wealth-building journey: Should I invest more money into superannuation? Or should I build wealth outside of super? In this week's Start Here episode, inspired by a listener question, we're unpacking one of the most important investing decisions you'll ever make. Using a real-life example of a 38-year-old investor with $372,000 in superannuation and a growing share portfolio, we explore the advantages and disadvantages of investing inside and outside super, including: ✔️ The tax benefits of superannuation ✔️ The power of flexibility and accessibility ✔️ Why inflation can dramatically impact your retirement goals ✔️ How to know if you're already on track for retirement ✔️ The difference between maximising wealth and maximising freedom ✔️ Why investing isn't always an either-or decision ✔️ The pros and cons of building wealth inside and outside super We also walk through retirement projections, discuss the risks of relying on a single wealth structure, and explore why many Australians deliberately build wealth both inside and outside superannuation. Most importantly, you'll learn how to think about your next investment decision through the lens of your goals, lifestyle and future financial freedom. Because sometimes the best financial decision isn't simply about maximising returns. Sometimes it's about creating more options for your future self. In This Episode Why there is no universal answer to the super vs shares debate Understanding retirement income in today's dollars versus future dollars How inflation quietly changes retirement planning Example projections for a 38-year-old investor The advantages of investing more into superannuation The disadvantages of locking away wealth until retirement The benefits of building passive income outside super How flexibility can become more important than tax efficiency Why many investors choose to do both Remember Financial freedom isn't about having the biggest portfolio. It's about having choices. 🎧 Have a money question you'd like answered on Start Here? Email your question and it may feature in a future episode of SugarMamma's Fireplay. canna@sugarmamma.tv - strictly general advice only #Superannuation #Investing #RetirementPlanning #PassiveIncome #FinancialFreedom #ETFs #AustralianShares #MoneyPodcast #SugarMamma #FireplayPodcast 💡 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 AcademySick 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 MentorshipJoin 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).   See omnystudio.com/listener for privacy information.

    START HERE: Super vs Shares: Where Should Your Next Investment Dollar Go?
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out of 5
42 Ratings

About

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

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