What happens when you reach 65 and your finances don't look anything like the retirement plan you thought you'd have?

Today's Start Here question comes from a 65-year-old woman who is single, still working FIFO and still has a mortgage. After attempting retirement at 60, she discovered that the lifestyle she'd imagined left her feeling isolated — and she spent a significant amount of her superannuation in the process.

She returned to work, bought a home and started rebuilding.

Now she's worried about what would happen if her income disappeared before she's financially ready to retire.

In this episode, we look at how to create financial security when you're starting — or perhaps restarting — later in life, without feeling as though you need to spend the rest of your working years frantically catching up.

We cover how to:

• Work out what “enough” actually looks like for your retirement

• Balance paying down a mortgage with building accessible emergency savings

• Create a financial runway so losing your job doesn't immediately become a housing crisis

• Think about alternative or part-time work before you actually need it

• Consider whether downsizing could improve both your finances and your quality of life

• Assess lifestyle and retirement villages beyond simply looking at the purchase price

• Understand why community, connection and purpose belong in a retirement plan too

• Avoid assuming you're automatically eligible for the downsizer contribution

• Start thinking about superannuation and Centrelink before you retire

• Know when specialist financial and legal advice can help you make a major decision with greater confidence

Most importantly, we challenge the idea that retirement success simply means reaching a certain age with a paid-off home and a huge super balance.

Sometimes retirement doesn't go according to plan. Sometimes the life you thought you wanted turns out not to suit you. And sometimes you find yourself starting again much later than expected.

That doesn't mean the only answer is deprivation or desperately trying to make up for lost time.

Perhaps financial freedom at this stage of life isn't necessarily about stopping work.

It's about reaching the point where you no longer have to work.

Because the goal isn't simply to retire.

It's to build enough security, income, connection and choice to create a next chapter that actually works for you.

This episode contains general information and education only and does not take into account your personal objectives, financial situation or needs. Consider seeking appropriate licensed financial and legal advice before making decisions regarding your mortgage, superannuation, Centrelink entitlements or retirement/lifestyle village arrangements.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:

• Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
• 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 [email protected]
• 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.

How To Build Your First ETF Portfolio (Step by Step)

You’ve saved the money. You’ve opened the share trading account. Now comes the big question… which ETF do you actually buy?

With hundreds of ETFs to choose from, getting started can quickly become overwhelming. Australian shares, international shares, high-growth funds, dividend ETFs, sector ETFs, bonds—the choices are endless.

In this episode of SugarMamma’s Fireplay, I strip away the noise and walk you through a practical, step-by-step process for building your first ETF portfolio.

We cover:

• How to set a clear investment and passive income goal
• Why your timeframe and risk profile should come before choosing an ETF
• What an ETF actually is and how diversification works
• The difference between Australian, international, diversified, sector and defensive ETFs
• How to give each ETF in your portfolio a clear purpose
• Why more ETFs doesn’t necessarily mean better diversification
• How to identify and avoid unnecessary overlap
• How to work backwards from your passive income goal
• Why an $80,000 annual passive income target could mean aiming for approximately $1.6 million invested at a hypothetical 5% yield
• How to actually purchase your first ETF
• The important administration to complete afterwards—including your TFN, bank details, share registry and record keeping
• Dividend Reinvestment Plans (DRPs) and how reinvesting distributions can help compound your portfolio over time

The goal isn’t to build the perfect portfolio overnight.

It’s to build a simple, diversified portfolio you understand, keep contributing to it and give yourself enough time for growth, income and compounding to do their work.

And this is only Part One.

Next week: I’m sharing the biggest ETF investing mistakes I see—from doubling up on the same investments and chasing past performance to unnecessary fees, overcomplicating your portfolio and constantly changing strategy.

If you’re serious about using ETFs to build long-term wealth and passive income, make sure you listen to both episodes.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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).

This episode contains general financial information and is for educational purposes only. It does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances and seek professional financial advice where required.

See omnystudio.com/listener for privacy information.

With so many skincare products, ingredients and promises competing for our attention, how do we know what is actually worth investing in?

In this special episode of SugarMamma’s Fireplay, proudly partnered with La Roche-Posay, Canna sits down with leading dermatologist Dr Shreya Andric to cut through the noise and unpack the science of skin longevity, ageing and the appearance of pigmentation.

Together they explore why dark spots, sunspots and uneven skin tone can become more noticeable as we age; the different types of hyperpigmentation; why they can be so stubborn to address; and the active ingredients backed by dermatological science.

Dr Andric also explains the science behind Melasyl™, how it works alongside ingredients including Niacinamide and Proxylane, and the innovation behind La Roche-Posay’s NEW MELA DOUBLE DOSE, which contains double the concentration of Mela B3 Serum.

Most importantly, this conversation is about helping you feel informed and empowered when choosing where to spend your money on skincare — understanding what matters, what the science says, and how consistency and prevention play a role in supporting healthy-looking skin over time.

Ask your pharmacist about the NEW MELA DOUBLE DOSE from La Roche-Posay or head to laroche-posay.com.au to learn more.

This episode is a paid partnership with La Roche-Posay. 

See omnystudio.com/listener for privacy information.

Feeling overwhelmed by money? You're not alone.

If you've ever thought:

"I know I should be doing something... I just don't know where to start."

This episode is for you.

Today I'm joined by my co-host, Michael Thompson, to talk honestly about what it was really like before he took control of his finances.

We unpack the fear, confusion and overwhelm that kept him stuck, the moment he realised procrastination was costing him more than taking action ever would, and the simple steps that helped him finally begin building financial confidence.

Because the truth is, financial freedom doesn't begin with having lots of money.

It begins with making one decision:

To start.

In this episode we discuss:

• Why so many intelligent people still procrastinate with money
• How fear and overwhelm keep us financially stuck
• Michael's personal turning point
• The biggest mistakes beginners make
• Why you don't need to know everything before getting started
• How small, consistent actions create extraordinary results over time
• The mindset shifts that changed everything
• How our new book can guide you step-by-step through your own financial journey

If you've been waiting for the "perfect time" to organise your money, invest or start building wealth, consider this your sign.

Our new book, Twelve Months To Financial Freedom, was written to remove the confusion, simplify the process and help you build financial confidence one month at a time.

Whether you're starting from scratch or simply want a clear roadmap, we hope this book becomes the guide we both wish we'd had when we first started.

If you enjoyed this episode, please follow the podcast, leave a review and share it with someone who has been saying, "I really need to sort my money out."

Because sometimes all it takes is one conversation to change someone's financial future.

Grab your copy here: https://link.amazon/B05PhKmRm 

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

And of course Twelve Months To Financial Freedom! : https://link.amazon/B05PhKmRm

(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 [email protected]
• 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.

5 Things We Won’t Be Doing After the Federal Budget

Whenever a Federal Budget is handed down, the headlines start flying.

New taxes. Superannuation changes. Property rules. Cost-of-living measures. Winners. Losers.

And while it is important to understand changes that may affect your finances, I don't believe we should allow every new announcement to completely derail a well-thought-out financial plan.

In this episode of SugarMamma's Fireplay, I'm flipping the conversation around and sharing five things Tom and I will NOT be doing in response to the Federal Budget — and why.

In this episode, I share:

1. We won't stop working towards our goals

We're not throwing our hands in the air and saying, "What's the point?"

We'll continue working, growing our businesses, investing in our financial wellbeing and building towards the life we want.

Governments and policies will change throughout our lifetime. Our responsibility for our own financial future remains.

2. We won't sit on excessive amounts of cash

Having an emergency fund and accessible cash reserves is incredibly important.

But beyond the cash we genuinely need, we don't plan on allowing fear to push us into unnecessarily sitting on the sidelines.

We'll continue putting our money to work thoughtfully and in line with our long-term goals.

3. We won't overcapitalise on our home

Your home can be an incredible asset — financially and emotionally.

But that doesn't mean every spare dollar needs to disappear into renovations, upgrades and improvements.

We still want to be disciplined about how much money we put into our home and make sure we're not sacrificing other important financial goals in the process.

4. We won't take on more debt than we can comfortably afford

Debt can be useful when it is carefully considered and strategically managed.

But taking on excessive debt — particularly expensive or non-deductible debt — can dramatically reduce your financial flexibility.

We want our financial position to give us choices, not leave us trapped by repayments.

5. We won't panic about superannuation

Superannuation rules will continue to evolve over the decades.

That doesn't mean we're abandoning super or making dramatic decisions based on fear about what a future government may or may not do.

Super remains an important part of our long-term retirement strategy, and we'll continue making decisions based on our own circumstances, professional advice and the rules that apply at the time.

The bigger message

This episode isn't about ignoring the Federal Budget.

It's about responding rather than reacting.

Understand the changes. Work out which ones genuinely affect you. Get professional advice where you need it. Adjust your strategy if necessary.

But don't allow frightening headlines, political noise or speculation about what might happen next to push you into making financial decisions that don't serve your long-term goals.

Because ultimately, governments will change.

Rules will change.

Markets will change.

But the fundamentals of building financial wellbeing remain remarkably consistent:

Spend thoughtfully.
Protect your cash flow.
Be careful with debt.
Invest for the long term.
Diversify.
And keep working towards the financial life that matters to you.

🎧 Listen to the full episode of SugarMamma's Fireplay wherever you get your podcasts.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:

• Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
• 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 [email protected]
• 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).

General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking professional financial, tax and/or legal advice appropriate to your circumstances.

See omnystudio.com/listener for privacy information.

My House Is Worth Less Than I Paid. What Should I Do?

Buying your first home is one of the biggest financial decisions you'll ever make. So, when headlines start warning about falling house prices, negative equity, and first-home buyers being "trapped", it's completely understandable to feel anxious.

But does negative equity automatically mean financial disaster?

In this episode of Start Here, Canna explains exactly what negative equity is, why it's suddenly making headlines, who is most at risk, and—most importantly—the practical steps you can take to protect yourself and your financial future.

Whether you've recently purchased your first home, bought with a 5% deposit, or you're a parent worried about your adult child, this episode will help you separate fear from fact and focus on what you can actually control.

In this episode we cover:

• What negative equity actually means (and why it isn't always a financial emergency)

• Why first-home buyers with small deposits are more exposed to falling property prices

• Why property markets naturally move in cycles

• When negative equity becomes a genuine problem—and when it doesn't

• Why selling too early can lock in financial losses

• How making extra mortgage repayments can rebuild equity faster

• Practical ways to improve your cash flow and pay down your home loan sooner

• When renovating can help increase your property's value—and how to avoid overcapitalising

• Why obtaining an independent property valuation may surprise you

• When to speak with your lender or mortgage broker if you're feeling financial pressure

• Could renting out your home instead of selling be a smarter long-term strategy?

• The biggest mistakes homeowners make when property prices fall

• Why staying calm during market downturns is often one of the best financial decisions you can make

Key Takeaway

Negative equity doesn't automatically mean you've made a bad financial decision. If you can comfortably afford your mortgage repayments and aren't forced to sell, time, consistent mortgage repayments and sensible financial decisions can help rebuild your equity. While you can't control the property market, you can absolutely control your cash flow, your mortgage strategy and the financial habits that strengthen your long-term wealth.

If you enjoyed this episode, please subscribe, leave a review, and share it with someone who has recently bought their first home or is worried about the property market.

Please note: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before making financial decisions, consider seeking advice from a qualified financial adviser, accountant or mortgage professional

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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.

Could Missing This Property Valuation Cost You Thousands in Tax?

There’s a major capital gains tax (CGT) change coming for Australian property investors—and surprisingly, very few people are talking about it.

If you own an investment property, 30 June 2027 could become one of the most important dates in your financial calendar.

In this episode, I explain why obtaining a professional property valuation before the new CGT rules begin could potentially save some investors tens of thousands of dollars when they eventually sell.

You'll learn:

• Why Australia's capital gains tax rules are changing from 1 July 2027
• Why 30 June 2027 could be a critical date for investment property owners
• The difference between relying on a professional valuation versus the government's default CGT calculation
• Why some investors could pay significantly more tax without a valuation
• A simple example showing how the two approaches may produce very different outcomes
• Why waiting until the last minute could create a rush for qualified valuers
• Practical steps to take now to help protect your wealth

Remember, this episode is general information only and is designed to help you understand an important upcoming change. Whether obtaining a professional valuation is appropriate for your circumstances is something you should discuss with your accountant or registered tax adviser.

If you know someone who owns an investment property, please share this episode with them. It could save them from an expensive mistake years down the track.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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).

Capital Gains Tax | CGT | Property Investors | Investment Property | Property Valuation | 30 June 2027 | Tax Planning | Australian Property | Capital Gains | Tax Changes | Wealth Protection | Property Tax | Financial Planning | Real Estate Investing | Australia

See omnystudio.com/listener for privacy information.

Has the Bank of Mum and Dad closed its doors?

After appearing on the Today Show to discuss a new report showing fewer parents are helping their children into the property market, I knew this was a conversation we needed to have.

This isn’t based on a listener question. Instead, it’s inspired by the growing uncertainty many Australian families are feeling right now.

If you’ve ever wondered:

• Should I help my children buy a home?
• Am I selfish if I can’t afford to help?
• How do I protect my retirement while still supporting my family?
• What are the alternatives to gifting a six-figure deposit?

…then this episode is for you.

In this episode, I explain:

• Why many parents are pressing pause on helping adult children buy property.
• How the changing investment landscape is affecting family financial decisions.
• The growing wealth gap—and why compassion matters on both sides.
• Practical ways to support your children without risking your own financial future.
• Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits.
• What to consider before acting as a guarantor, lending money or gifting a deposit.
• Why protecting your own financial independence is one of the greatest gifts you can give your children.

Whether you’re a parent trying to make the right decision or an adult child wanting to better understand your parents’ perspective, this episode will help you navigate one of the most emotional financial conversations many Australian families are facing today.

Remember: Supporting your children isn’t always about giving them money. Sometimes it’s about giving them the confidence, skills and financial habits to build lasting wealth for themselves.

💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home.

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

💡 If you want my help with your Budget or Money Mindset

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

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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.

Makeup Over 40: What’s Worth Your Money & What’s Not

Self-care is worth investing in — but wasting money on beauty products isn’t.

In this episode of SugarMamma’s FIREPLAY, Canna sits down with celebrity makeup artist Mia to talk about beauty, money and how our makeup needs can change after 40.

As our skin changes through our 40s, perimenopause and beyond, the products and techniques that once worked for us may not work in quite the same way anymore. But that doesn’t mean we need to throw everything out, buy an entirely new makeup bag or spend hundreds of dollars chasing the latest beauty trends.

Mia shares her professional tips for looking and feeling great while being smarter with our beauty spending.

In this episode, we cover:

• Why makeup can start behaving differently on skin after 40

• How to use more of the makeup you already own

• The biggest makeup mistakes women over 40 make

• Budget beauty vs luxury makeup — where to save and where it may be worth spending

• How Mia would build a simple makeup kit on a $100–$150 budget

• The skincare basics that can help makeup look better on mature skin

• A quick five-minute makeup routine for busy women

• Multitasking products that can save money, time and bathroom space

• How to avoid wasting money on products you never use

• Why self-care and financial wellbeing don't have to compete with each other

Because being good with money isn't about never spending on yourself. It's about spending intentionally on the things that genuinely add value to your life.

Learn more from Mia

If you enjoyed Mia's advice in this episode, check out her Over 40s Club, where she teaches practical makeup techniques specifically designed for women over 40 and our changing skin and features.

Mia's Over 40s Club

Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances and seek professional advice where required.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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.

What happens when you’ve worked your whole life to pay off your home… but you’re struggling to afford retirement?

More Australians are finding themselves asset rich but cash poor. Their home may be worth over $1 million, but rising living costs, healthcare expenses and longer life expectancies are putting pressure on retirement savings.

One option that is becoming increasingly popular is a reverse mortgage.

But is it a smart way to unlock the equity in your home, or could it quietly erode your wealth over time?

In this episode of SugarMamma’s Fireplay, I explain exactly how reverse mortgages work, who they may suit, the benefits, the risks and the important questions I believe every Australian should ask before signing a reverse mortgage contract.

This isn’t about telling you what to do. It’s about helping you make an informed decision.

In this episode, we cover:

• What a reverse mortgage actually is and how it works.
• Why more Australians are considering reverse mortgages in retirement.
• The difference between a traditional mortgage and a reverse mortgage.
• How much you may be able to borrow and the different ways funds can be accessed.
• The power of compound interest and why borrowing more than you need can dramatically reduce your home equity over time.
• Real-life examples of how retirees use reverse mortgages to stay living in their homes.
• The benefits, including improving cash flow, funding home modifications and supporting independence.
• The risks, including compounding interest, living longer than expected, future healthcare costs and reducing the value of your estate.
• The No Negative Equity Guarantee and what it means.
• Alternative strategies, including downsizing, the Government Home Equity Access Scheme and other ways to access home equity.
• The nine questions I believe every Australian should ask before taking out a reverse mortgage.

Whether you’re approaching retirement, helping your parents understand their options or simply planning ahead, this episode will help you better understand one of Australia’s most misunderstood financial products.

Remember, a reverse mortgage isn’t inherently good or bad. Like any financial strategy, it can be incredibly valuable when used thoughtfully—but it can also become very expensive if you borrow more than you truly need.

As always, this podcast is for educational purposes only and does not constitute personal financial advice. Before making any financial decisions, consider seeking independent financial and legal advice that is appropriate for your individual circumstances.

If you enjoyed this episode, please consider following SugarMamma’s Fireplay, leaving a review and sharing this episode with someone who may find it helpful.

Because understanding your options today can help protect your financial future tomorrow.

💡 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:

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

1. Money Mindset & Manifestation Mentorship
   Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
• Keynote speaking book via [email protected]
• 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.