START HERE: Should You Switch Your Super to Growth or High Growth?

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 — @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).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: 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 CoachingJoin 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 investingSee omnystudio.com/listener for privacy information.

Hope Housing is not a government scheme — it’s a private initiative using shared equity to reduce entry barriers. It allows eligible buyers to get into the market sooner. Eligibility goes beyond first-time buyers The program shares in the future growth of the property, so it’s important to weigh up both benefits and trade-offs. Preparation is key: budgeting, savings buffers, and knowing your long-term affordability. You’ll learn: ✅ What Hope Housing is, and how it works ✅ Who can apply, including the surprising groups who qualify ✅ The pros and cons of shared equity models ✅ How to protect yourself financially when using a program like this ✅ Practical steps to prepare so you can afford not just to buy, but to keep your home long term 📚 Resources & Links - NOT SPONSORED AND NOT PRODUCT ADVICE Hope Housing official site: hopehousing.com.au Follow me on Instagram: @SugarMammaTV Lifestyle, capsule wardrobe & more: @CannaCampbellOfficial TikTok: @SugarMammaTV YouTube: SugarMammaTV – 500+ bite-sized videos, 12M+ views ⚠️ General Advice Disclaimer This episode is for educational purposes only. It is not personal financial advice. Always do your own research and speak with a licensed financial planner, mortgage broker, or accountant before making property decisions. 📲 Stay Connected Books: The $1000 Project: Buy here Mindful Money: Buy here Motivated Money by Peter Thornhill: Buy here My website: www.SugarMammaTV.com Other podcast: How Do They Afford That? ⚖️ 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 #HopeHousing #FinancialFreedom #AustralianProperty #MortgageTips #HomeOwnership #SharedEquity #FirstHomeBuyerHelp #PropertyAustraliaSee omnystudio.com/listener for privacy information.

In this deeply moving episode of Start Here, I answer a heartfelt question from Vicki. A woman in her mid-50s who found herself carrying unexpected debt after a marriage breakdown. Despite earning a good income and having a solid super balance, she feels overwhelmed, stuck, and exhausted, battling 17.5% interest debt with no clear way forward. This isn’t just about numbers, it’s about resilience, validation, and finding light in what feels like complete darkness. Together, we talk through: Why her situation is not her fault and how to acknowledge the unfairness of it. Practical ways to protect her mental health while tackling her debt. How to reframe her journey by finding “7 hidden blessings” in this experience. Creating an estimated debt-free date to give her a sense of hope and motivation. Why her gut feeling about her financial planner matters, and how she has every right to seek a supportive, non-judgmental advisor. How she can gently prepare for her financial future, including exploring her $1000 Project and shaping her investment style for when she’s ready. Most importantly, this episode is about compassion. Vicki, and anyone walking a similar path, needs to be reminded of their strength, their progress, and the exciting future that lies ahead once the weight of debt is lifted. To ask your Start Here question - send me a DM on instagram or email [email protected] - advice is always general in nature and your information remains confidential - with name changes for additional protection.  ✨ Key Takeaways This is not your fault  - being left with hidden debts is painful, unfair, and damaging. Acknowledge it, grieve it, and know you are stronger than it. Mental health comes first - finding joy and hope is just as important as making repayments. Reframe your experience - identify at least seven blessings you’re building through this challenge (discipline, resilience, budgeting strength, financial clarity, etc.). Put a date in your diary - calculate when the debt could be gone, and plan a celebration for that milestone. You deserve support - if your current planner makes you feel judged, you have every right to change advisors. Look ahead with excitement - use this time to learn, plan, and design how you want to grow wealth once the debt is gone. ⚖️ 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). #SugarMamma #SugarMammaFireplay #StartHere #FinancialFreedom #DebtFreeJourney #FinancialWellness #MoneyMindset #WomenAndMoney #DebtConsolidation #FinancialResilience #Superannuation #FinancialPlanning #DebtSupport See omnystudio.com/listener for privacy information.

How to stretch your Christmas budget, shop mindfully, and turn every saving into financial progress! With Christmas just around the corner and the cost of living still rising, most of us are looking for practical ways to stretch our money further, without sacrificing the joy of the festive season. In this special episode, proudly supported by Amazon Australia, Canna shares how to make the most of Prime Big Deal Days, one of the biggest savings events of the year. You’ll learn how to:💸 Shop smarter, not harder, using intentional and mindful spending strategies🎁 Get ahead on Christmas gifts and essentials without blowing your budget📲 Use Amazon’s built-in tools, like Wishlists, deal alerts, and Alexa to stay organised💡 Stack your savings using cashback, rewards, and planning hacks🔥 Redirect every dollar you save towards your financial freedom goals from debt repayment to investing or topping up your super Canna also unpacks fascinating new research revealing how Aussies are shopping smarter this year with 82% only buying items on sale and 3 in 4 households sticking to a strict festive budget. Whether you’re saving for your mortgage, your next share purchase, or simply trying to breathe easier with your cash flow, this episode will help you turn every discount into a meaningful step towards financial independence. Remember: Smart shopping = Smart saving = Financial freedom. 📚 Resources: Learn more or start your free 30-day Amazon Prime trial: amazon.com.au/primebigdealdays Follow Canna on Instagram: @SugarMammaTV Watch more financial empowerment content on YouTube: SugarMammaTV Grab Canna’s bestselling books:📘 The $1000 Project — Learn how to build wealth $1000 at a time📗 Mindful Money — A guide to financial independence and inner peace Sign up for updates and resources at: www.sugarmammatv.com #SugarMammaTV #SugarMammasFireplay #SmartShopping #AmazonPrimeBigDealDays #MoneyMindset #BudgetTips #FinancialFreedom #Investing #Superannuation #DebtFreeJourney #CostOfLiving #SavingsGoals #IntentionalSpending #MindfulMoney #FrugalFinds #FinancialEmpowerment #WomenAndMoney #FinancialWellness #CannaCampbell See omnystudio.com/listener for privacy information.

Many Australians believe there’s no inheritance tax in Australia. Technically, they’re right, death duties were abolished in 1979. But there’s a catch: taxes on superannuation death benefits and capital gains can still quietly erode what you leave behind, or what you receive from a non-financial dependent loved one. In this episode of SugarMamma’s Fireplay, I break down:✅ What “inheritance tax” really looks like in practice (hint: super death benefits tax of up to 17%)✅ Why this issue is trending now and why it’s no longer just a wealthy person’s problem✅ How intergenerational wealth transfers are exposing more Australians to surprise tax bills✅ Four smart, legal strategies that can minimise or even avoid this hidden tax✅ Real-life examples that show how families can lose tens of thousands of dollars if they don’t plan ahead! Why You Need to Tune In If you’re planning your estate, this episode will help you protect your legacy. If you expect to inherit, you’ll learn how to prepare and avoid unwelcome tax surprises. If you care about financial freedom, you’ll see why early, proactive planning with super and wealth transfer is essential. Key Takeaways Death duties may be gone, but super death benefit tax is very real. Leaving super to non-dependents (like adult children) can trigger a hefty tax bill. Strategic planning - such as using withdrawal and recontribution strategies, directing super to your estate, or rebalancing your will may help save families tens of thousands of dollars. Professional advice is non-negotiable: every strategy has rules, limits, and consequences. Inheritance tax Australia, superannuation death benefit tax, super inheritance planning, avoiding inheritance tax, estate planning Australia, super recontribution strategy, legacy planning. 💬 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: The SugarMamma Budget & Cashflow AcademySick of living paycheque to paycheque or feeling overwhelmed by your money?This course includes a one-on-one appointment with me so I can personally help you.👉 Enrol here Money Mindset & Manifestation CoachingJoin 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: www.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 do you do when the dream of home ownership feels impossible in a big city? In this Start Here episode of SugarMamma’s Fireplay, I respond to a young family of four, with a third baby on the way, who wrote in with this heartfelt question: “We are desperate to buy a home but can’t seem to save while living in Sydney. Should we move to a regional area where housing is cheaper, living costs are lower, and my husband could earn a stronger base salary? Am I silly for even considering this?” Here’s what we explore together: 💡 The reality of housing affordability — why saving for a deposit in major cities feels impossible for many families right now. 🌿 The concept of a ‘Financial Gap Year’ — how moving regionally for a few years can be a circuit-breaker for savings, cashflow, and lifestyle. 🏡 The benefits of moving regionally — lower housing costs, cheaper living, less stress, and a stronger sense of community. ⚠️ The challenges you need to consider — career trade-offs, access to schools, healthcare, social support, and whether the slower pace truly fits your family. ✍️ How to make the decision — practical questions to ask, how to crunch the numbers, and why it’s best to set clear savings goals and timelines before moving. ✨ The encouragement — you’re not silly, you’re strategic. Sometimes stepping sideways (or even back) is what allows you to leap forward financially. The key takeaway? A move like this doesn’t have to be permanent. But whether it’s for 2 years or 20, a regional shift could transform your financial trajectory and give you the breathing space to create the life you really want. 💬 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: 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 CoachingJoin 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).   moving to a regional town Australia, housing affordability, financial gap year, family finances Australia, saving for a home deposit, Sydney housing costs, regional move pros and cons, SugarMamma Fireplay, Canna Campbell podcastSee omnystudio.com/listener for privacy information.

In this episode of Out of Thin Air, I sit down with Australian artist Anna Price, who turned her love of painting into a flourishing full-time business. Anna’s story proves that success doesn’t always start with money, it can start with an accident, curiosity, passion, resourcefulness, and the courage to take the first step. To connect with Anna: [email protected]@annaprice_art She shares: How her painting hobby began and when she realised people would pay for her work. The lessons she learned navigating self-doubt, setbacks, and imposter syndrome. The simple hacks and mindset shifts that helped her business flourish. Why persistence and creativity with social media are more powerful than financial backing. Her advice for anyone dreaming of turning a hobby into a business as a busy mother. Anna is warm, honest, and funny and her story is filled with practical insights and encouragement for anyone who’s ever wondered, “Could I really make something more out of what I love doing?” If you’ve been sitting on a hobby, this episode might be the nudge you’ve been waiting for. 👉 Listen now and be inspired to create something out of thin air. 💬 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: 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 CoachingJoin 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 See omnystudio.com/listener for privacy information.

Are you in your 30s or 40s and wondering what to do first with your money? Is the best thing to smash the mortgage, clear HECS, invest in shares, or boost your super? You’re not alone. Lots of people ask me the same question! In this Start Here episode of SugarMamma’s Fireplay, I respond to a couple who asked: “We’re 40 and 42. We owe $148,000 on our mortgage, have $20,000 in HECS debt, $93,000 in shares, $20,000 in emergency savings, and together we earn around $270,000 per year. Should we pay off our home loan, clear HECS, invest more, or put extra into super?” 👉 Here’s what we explore: 🏡 Paying down your mortgage why home loans are “toxic debt,” how much interest they really cost over 30 years, and how small extra repayments save thousands. 🎓 HECS/HELP debt - how indexation works, when to prioritise it, and why it’s often “cheap debt” compared to your mortgage. 📈 Investing in shares - creating passive income streams, the power of compounding, and the importance of diversification. 👵 Superannuation - the tax advantages, why contributions in your 40s can supercharge retirement wealth, and the trade-offs of locking money away. 🔄 Debt recycling - an advanced strategy that can let you pay off the mortgage and invest at the same time, and why it must be set up carefully with professional advice. 💡 The real answer - it’s not about choosing just one, but finding a way to tackle all of these goals efficiently, in alignment with your values, lifestyle, and risk profile. ✨ The key takeaway: You don’t have to sacrifice one dream for another. With clear goals, strong cashflow, and the right strategy, you can reduce debt, grow wealth, and build financial freedom all at the same time. mortgage vs investing, mortgage vs super, HECS debt indexation, debt recycling explained, financial planning in your 40s, pay off debt vs invest, super contributions Australia, SugarMamma Fireplay, Canna Campbell 💬 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: 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 CoachingJoin 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).   See omnystudio.com/listener for privacy information.