In this inspiring episode, financial planner and author Canna Campbell helps you rediscover your financial spark when motivation starts to fade.
Drawing from Brendon Burchard’s The Motivation Manifesto, Canna reveals how to create your very own Money Motivation Manifesto — a framework to help you reconnect with your financial goals, break through fear, and fuel lasting, sustainable motivation for financial freedom.

If you’ve ever felt like your money goals have stalled or you’ve lost your drive, this episode will help you reignite your inner fire — and stay consistent for the long term.

💡 Key Topics Covered

1. What Motivation Really Is

• Motivation isn’t a feeling — it’s a habit.

• How to create deliberate financial momentum.

• Examples of small, consistent money actions that compound into freedom.

2. Fear vs. Freedom: The Two Drivers of Money Motivation

• The difference between acting from fear (scarcity) vs. acting from freedom (abundance).

• A simple mindset exercise: rewrite your biggest money fear as a financial freedom goal.

3. How to Keep Your Motivation Alive

• The five key pillars of sustained motivation: clarity, consistency, challenge, celebration, and review.

• How small wins (like paying down $500 of debt) can fuel long-term consistency.

4. Expectancy Builds Faith

• The importance of believing in the delayed payoff.

• How to strengthen trust in your plan during “invisible progress” phases.

5. Visualisation: Seeing Your Future Wealth

• How visualising success builds the mental muscle for financial discipline.

• A nightly 3-minute visualisation technique to anchor new habits.

6. The Power of Now

• How regret and comparison destroy motivation.

• Refocusing on the only moment that matters: the next step.

7. Rewriting Your Financial Self-Talk

• Replacing “I’m bad with money” with “I’m learning to master my money.”

• Why your internal dialogue dictates your external results.

8. Keeping Motivation Fresh

• How novelty revives discipline: challenges, side hustles, new goals.

• Micro goals to reignite progress when motivation dips.

9. Becoming Your Own Role Model

• Why your actions today set the tone for your future self — and your family.

• How to inspire others by showing up consistently for your goals.

🧠 Key Takeaways

• Motivation isn’t found — it’s built.

• Fear can spark change, but freedom sustains it.

• Celebrate progress, not perfection.

• Consistency beats intensity.

• The person you’re becoming is more valuable than the goals you’re achieving.

🪞 Practical Money Motivation Exercises

1. Rewrite Your Fears: Turn every fear into a freedom goal.

2. Visualise Nightly: Spend 3 minutes picturing yourself achieving your next milestone.

3. Quarterly Reviews: Revisit your goals every 3 months and celebrate progress.

4. Challenge Yourself: Try a no-spend weekend or a savings sprint.

5. Positive Self-Talk: Replace limiting beliefs with empowering statements.

🔥 Final Message

Motivation is the energy that fuels your FIRE — your Financial Independence, Retire Early journey.
With clarity, faith, and consistent action, you can transform not just your finances, but your entire life.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

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.
   👉 Enrol here
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join 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:SugarMamma.TV
• 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).

#SugarMammaTV #FireplayPodcast #MoneyMotivation #FinancialFreedom #PassiveIncome #MotivationManifesto #FinancialIndependence #BudgetingTips #InvestingAustralia #MindfulMoney #FinancePodcast #WealthBuilding #CannaCampbell #MoneyMindset #PersonalFinanceAustralia

See omnystudio.com/listener for privacy information.

Feeling exhausted by money? You’re not alone.

In this empowering episode of Start Here, Canna Campbell answers Mandy’s heartfelt question about financial burnout. After years of saving and sacrificing for a home deposit, Mandy now finds herself going backwards — dipping into her hard-earned savings just to cover essentials.

Canna shares a compassionate pep talk and six practical steps to help anyone reignite their financial fire:

• Why acknowledging burnout is the first step to recovery.

• How to redefine what progress really looks like.

• Bringing back balance and joy so money doesn’t feel like punishment.

• Adjusting your strategy without giving up on your dream.

• Finding support in financial communities online.

• Setting micro-goals that spark momentum and motivation.

If you’ve ever felt deflated, stuck, or ready to quit on your financial journey, this episode will give you fresh hope, practical strategies, and the reminder that persistence — not perfection — is what creates financial freedom.

👉 Share this episode with someone who might be struggling too. And if you’d like Canna to answer your money question in a future Start Here episode, email [email protected] OR DM her on Instagram: @SugarMamma or @CannaCampbellOfficial   

⚖️ Additional 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).

#FinancialBurnout #MoneyMindset #FinancialWellbeing #SugarMamma #FireplayPodcast #MoneyTips #FinancialIndependence #BudgetingTips #MoneyMotivation #DebtFreeJourney #FrugalLiving #FinancialFreedom

See omnystudio.com/listener for privacy information.

Your health is your greatest asset — and neglecting it can cost you far more than any investment ever could.

In this powerful episode of SugarMamma’s Fireplay, Canna sits down with Dr Lena Attebo from Oracle Healthcare, a doctor who specialises in preventative medicine. Together, they unpack why prevention is always cheaper than treatment — financially, emotionally, and physically — and how small, consistent actions can protect both your wellbeing and your wallet.

Oracle Healthcare contact details can be found here:

Website: https://oraclehealthcare.com.au

Health Check Packages: https://oraclehealthcare.com.au/health-checks/individual-health-assessments/

North Shore Health Hub

Ground Floor,

7 Westbourne St,

St Leonards, Sydney,

NSW 2065

• +61 2 8866 2222
• [email protected]

You’ll discover:
✨ The most important health checks and tests worth prioritising (even on a budget)
💊 Whether supplements and wearable trackers are worth your money
🏠 Simple at-home health checks that reveal how your body is really doing
💰 How staying healthy is actually one of the smartest financial strategies you can make
❤️ The real cost of illness — and how prevention buys you time, energy, and peace of mind

This episode is a timely reminder that financial freedom means nothing without health freedom. Your body is the engine that drives your dreams — invest in it wisely.

🎧 Listen now on SugarMamma’s Fireplay — available on Spotify, Apple Podcasts, and YouTube.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

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.
   👉 Enrol here
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join 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:SugarMamma.TV
• 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).

#SugarMammaTV #FireplayPodcast #FinancialFreedom #PreventativeHealth #WealthAndWellbeing #HealthyWealthyWise #MoneyAndHealth #FinancialWellness #LongevityLifestyle #CannaCampbell #OracleHealthcare

See omnystudio.com/listener for privacy information.

In this empowering episode of Start Here, Canna answers a question from Cat — an inspiring investor who’s built an $80,000 portfolio and $4,200 of annual passive income in just three years. Cat is now ready to explore margin lending but wants to understand the risks and how to manage them wisely.

Canna breaks down what a margin loan really is, why it can be risky, and seven proven strategies to reduce those risks — the same principles she uses in her own $1000 Project portfolio. You’ll learn how to set smart boundaries, protect your portfolio from volatility, and use leverage as a tool for long-term wealth creation rather than a ticking time bomb.

In this episode, you’ll learn:

• What a margin loan actually is — and why leverage magnifies both gains and losses.

• The safe way to manage your Loan-to-Value Ratio (LVR).

• How to stress-test your cashflow before borrowing.

• Why drawing down slowly and keeping an emergency buffer matters.

• How to use dividends and interest prepayment strategically.

• The power of diversification and long-term focus.

• When to seek professional advice and how to align margin lending with your financial goals.

Key Quote:

“A margin loan isn’t a shortcut — it’s an amplifier. It magnifies whatever discipline or impulsiveness you already have.”

Mentioned Resources:

• The $1000 Project by Canna Campbell

• Motivated Money by Peter Thornhill

• ASIC Moneysmart: Margin Lending Basics

• Your own superannuation or investment platform’s “risk profile” questionnaire

Disclaimer:
This podcast provides general advice only and does not take into account your personal financial situation, goals, or needs. Please seek independent financial advice before making investment decisions.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

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.
   👉 Enrol here
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join 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:SugarMamma.TV
• 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.

In this special SugarMamma’s Fireplay episode — proudly supported by moomoo — I share my personal financial game plan to outsmart AI and build lasting financial independence.

Everywhere we look, headlines warn that artificial intelligence is replacing jobs and reshaping industries. But what if, instead of fearing AI, we used it to our advantage — to invest smarter, build passive income, and retire richer and earlier?

The moomoo app can be found here: https://start.moomoo.com/0tfLnT

I’ll walk you through:

• Why relying on your salary is no longer enough in the age of AI.

• How to create passive income that pays you even while you sleep.

• My own step-by-step investing journey through The $1000 Project, which has grown to a $365,000 share portfolio generating over $16,000 a year in dividends.

• How AI-powered investing platforms like moomoo make it easier than ever to get started, stay informed and make better investing decisions.

• Why fractional investing and free AI tools are changing the game for everyday investors.

• And how you can start small — even with $10 — and build financial independence one investment at a time.

This episode is a wake-up call for anyone who’s been sitting on the sidelines. AI may take your job… but it doesn’t have to take your financial freedom.

💡 My Takeaway:

AI is not the enemy — it’s an opportunity. If we use it wisely, AI can help us make smarter investing decisions and create the financial security that our jobs alone can’t guarantee.

📲 Resources Mentioned:

• Download the moomoo app https://https://start.moomoo.com/0tfLnT

• Learn more at www.moomoo.com/au

• Explore The $1000 Project via SugarMamma.TV

📝 Disclaimer:

This episode is sponsored by moomoo. All information is general in nature and does not constitute personal financial advice. Please consider your own circumstances or seek professional advice before making investment decisions.

SugarMammaTV #SugarMammasFireplay #moomoo #AIFinance #InvestSmarter #FIREMovement #FinancialIndependence #RetireEarly #PassiveIncome #DividendInvesting #WealthBuilding #SmartMoney #FinancialFreedom #WomenWhoInvest #AustralianInvestors

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

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.
   👉 Enrol here
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join 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: SugarMamma.TV
• 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.

Are you stuck in credit card debt and can’t seem to break free — no matter how many times you try? You’re not alone. In this Start Here episode of SugarMamma’s Fireplay, I answer a heartfelt question from Diana, who has $28,000 of credit card debt on a single card and desperately wants to turn her financial life around.

Together, we unpack:
✅ Why toxic debt like credit cards must be cleared before you invest.
✅ How to build a small emergency buffer so you don’t slip backwards.
✅ The power of budgeting, tracking, and cutting expenses with purpose.
✅ Automating repayments and setting mini-goals to stay motivated.
✅ How ad hoc payments (tax refunds, bonuses, side hustle income) can fast-track your journey.
✅ The importance of breaking old habits and even letting go of credit cards and BNPL for good.
✅ The surprising support of the debt-free community online — and how it can keep you inspired.
✅ How to use your debt-repayment season to prepare for investing: researching ETFs and LICs, doing a risk profile, setting up an online trading account, and building your financial confidence.
✅ Why checking in on your super and personal insurances is part of breaking the debt cycle for good.

By the end of this episode, you’ll walk away with a clear, step-by-step plan — not just to pay off your debt, but to break free for good and start building the financial independence you deserve.

✨ Remember: being debt-free isn’t about restriction — it’s about freedom, clarity, and confidence.

⚖️ Additional 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).

credit card debt | how to pay off debt fast | debt free journey | debt avalanche | budgeting tips | stop using credit cards | debt snowball | automate repayments | financial freedom | SugarMamma | Canna Campbell | passive income

See omnystudio.com/listener for privacy information.

In today’s episode of SugarMamma’s Fireplay, I sit down with Lindsey — a wife, mother, and inspiring example of what’s possible when you combine courage, discipline, and vision.

Back in 2008, Lindsey and her husband were both earning $55,000 a year. They dreamed of building a life together but didn’t want to be tied to a huge mortgage forever. So they took a leap of faith — leaving their stable jobs to work in the mines. What happened next changed everything.

Over the years, Lindsey and her husband:

• Paid off two blocks of land while working FIFO.

• Saved $300,000 in cash to build their dream home.

• Subdivided their land, making smart property sales at the right time.

• Built their family home — now worth around $1.8 million — and became completely mortgage-free.

• Grew their superannuation balances to $250,000 each.

• Built an emergency fund, regular holiday savings, and a share portfolio they’re aiming to grow to $1 million in 20 years.

And the best part? They did all this while raising two children, travelling, and enjoying their lives along the way.

Lindsey opens up about the lessons, setbacks, and mindset shifts she’s experienced, and she shares advice for anyone who wants to create financial freedom on their own terms. This isn’t just a story about money — it’s about courage, clarity, and choosing a life that aligns with your values.

If you’re looking for motivation and practical inspiration, this is one episode you don’t want to miss.

📲 Stay Connected

• Follow me on Instagram: @SugarMammaTV

• Lifestyle & capsule wardrobe inspo: @CannaCampbellofficial

• TikTok: @sugarmammatv

• YouTube: SugarMammaTV

Check out my books:

• The $1000 Project → Buy here

• Mindful Money → Buy here

• Motivated Money by Peter Thornhill → Buy here

Work with me:

• Budget & Cashflow Academy

• Money Mindset & Manifestation Coaching

⚠️ Disclaimer

This podcast is for educational purposes only and does not constitute financial advice. Always consider your personal circumstances and seek professional advice before making major financial decisions.

⚖️ Additional 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).

#FinancialFreedom #MortgageFree #WealthBuilding #FIFO #DebtFreeJourney #SugarMammaFireplay #InvestingForTheFuture #MoneyMindset #FinancialIndependence #WomenWithWealth

See omnystudio.com/listener for privacy information.

If you’ve ever looked at your super and thought, “Am I in the right investment option?” — this episode is for you.

One listener recently asked me:
“Hi Canna, I’ve just realised I’m in the Balanced option with my super, but I don’t think this is right for me or my age group. Should I switch to Growth or High Growth?”

It’s such a common question — and one that could have a huge impact on your financial future. But before making any changes, there are important things to understand.

In this episode, I’ll walk you through:

• ✅ Why your super investment option matters more than you think.

• 🧠 How to work out your risk profile and why age isn’t the only factor.

• 💸 The hidden costs of switching options (like capital gains tax inside super).

• 🔍 What to check in your super fund itself — fees, investment menu, insurance, and retirement features.

• 📈 Why contributions matter just as much as investment choice.

• 🔄 How to review your super regularly so it stays aligned with your life.

• 👩‍💼 When and why to seek advice from a licensed financial planner.

Most importantly, I’ll show you how to move from confusion and hesitation to confidence and clarity with your super — one of your most powerful long-term wealth-building tools.

MUST LISTEN TO MY OTHER SUPERANNUATION EPISODES HERE:

🔑 Key Takeaway

There’s no one-size-fits-all answer to Growth vs High Growth. What matters is understanding your risk tolerance, reviewing your fund’s competitiveness, and making thoughtful, informed decisions that align with your goals.

📲 Call to Action

If this episode resonated with you, share it with a friend who might also be ignoring their super. And if you’ve got a money question you’d like me to cover in a future Start Here episode, DM me on Instagram — @SugarMammaTV or @CannaCampbellOfficial.

⚖️ Additional 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.

What happens when your body can no longer do the work you’ve built your career around? It’s a confronting thought, but one we all need to face. Whether it’s illness, injury, burnout, or simply age — the day may come when your body says “enough.”

In this episode of SugarMamma’s Fireplay, I explore the financial and emotional reality of what happens when you can’t work anymore, and how to prepare now so you’re not left vulnerable later.

We’ll cover:

• ✅ Why relying only on your physical ability to earn an income is risky

• ✅ How to build a back-up plan that keeps money flowing even if you can’t work

• ✅ The role of insurance, superannuation, and passive income in protecting your lifestyle

• ✅ Real-life examples of how sudden health changes can derail financial security

• ✅ Small, practical steps you can take today to future-proof your finances

This is not about doom and gloom — it’s about empowerment and preparation. Because the earlier you prepare for life’s “what ifs,” the stronger, safer, and freer your future becomes.

🔑 Key Takeaways

• Your income is your greatest financial asset — protect it.

• Illness and injury can happen to anyone, at any stage of life.

• Income protection insurance, superannuation, and emergency savings are essential safety nets.

• Building multiple income streams — including investments that generate passive income — creates long-term resilience.

• Don’t wait for a crisis to plan. Future-proof your financial freedom now.

📚 Resources & Links

• Books:

  • The $1000 Project: Buy here

  • Mindful Money: Buy here

  • Motivated Money by Peter Thornhill: Buy here

• SugarMamma Courses:

  • Budget & Cashflow Academy

  • Money Mindset & Manifestation Course

• Stay connected:

  • Instagram: @SugarMammaTV | @CannaCampbellOfficial

  • TikTok: @SugarMammaTV

  • YouTube: SugarMammaTV

  • Website: www.SugarMammaTV.com

  • Other podcast: How Do They Afford That?

⚠️ General Advice Disclaimer

This podcast is for educational purposes only. It is not personal financial advice. Always do your own research and seek advice from a licensed financial planner before making financial decisions.

⚖️ Additional 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).

#SugarMammaTV #SugarMammasFireplay #FinancialFreedom #IncomeProtection #PassiveIncome #Superannuation #EmergencyFund #FinancialPlanningAustralia #MoneyMotivation #LongTermWealth

See omnystudio.com/listener for privacy information.

One of the biggest fears for new investors is simple: what happens when the market crashes?

In this Start Here episode of SugarMamma’s Fireplay, I answer Katrina’s question: “As we will one day have another GFC-style slump, how long will it take my high-growth ETF portfolio to recover?”

Together, we explore what 150 years of market history teaches us about crashes, recoveries, and why staying invested matters more than trying to predict the next downturn.

You’ll learn:

• Why market crashes are normal, not rare events — usually happening once a decade

• How long past crashes (like the Great Depression, the GFC, and COVID) took to recover

• The enormous long-term rewards for investors who stayed the course

• Why dollar-cost averaging is your best defence against volatility

• How focusing on dividends and passive income, not short-term portfolio value, keeps you grounded

• The value of setting aside cash so you can buy during downturns instead of panicking

✨ The key takeaway: Markets always recover — and those who stay disciplined, reinvest their dividends, and stick to their strategy are the ones who come out stronger. It’s not about timing the market, it’s about time in the market.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

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.
   👉 Enrol here
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join 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).

market crash recovery, investing during downturns, high-growth ETFs, dollar-cost averaging, dividends, passive income, financial independence, stock market history, GFC lessons, long-term investing

See omnystudio.com/listener for privacy information.