SugarMamma’s Fireplay

We often assume that financial confidence comes from having more money.
A bigger salary.
A bigger investment portfolio.
A bigger net worth.
But what if financial confidence has very little to do with how much money you have and far more to do with how much control you feel you have over your finances?
Inspired by the latest ING Sense of Us Report, this episode explores how Australians are adapting to economic uncertainty, rising living costs and financial pressure by focusing on what they can control.
Rather than waiting for interest rates to fall or the economy to improve, many Australians are taking action today through budgeting, investing, building better money habits and creating small financial wins that build momentum over time.
We also explore:
• Why financial confidence matters more than your net worth
• The surprising optimism Australians are feeling despite cost-of-living pressures
• How small financial wins create momentum and confidence
• The meaning behind the saying "small hinges swing big doors"
• Why Australians are becoming more resourceful with their money
• How loyalty programs, strategic shopping and budgeting are helping households fight back against rising costs
• Why Australians are redefining what wealth means to them
• The rise of intentional spending and the importance of experiences, wellbeing and connection
• How to stop procrastinating and start taking action with your money
• The simple mindset shift that can help build lasting financial confidence
One of the most powerful findings from the report was that Australians aren't standing still. They're adapting. They're rewriting the financial playbook and proving that confidence isn't built through one big breakthrough, but through lots of small actions repeated consistently over time.
Because whilst one habit may not change your life, enough of them absolutely can.
The question is:
Are you waiting for things to get easier, or are you getting started?
Key Takeaway:
Financial confidence isn't something you wait for. It's something you build. Consistently, steadily, over time. Education is key, backed with action.
By focusing on what you can control, creating small financial wins and taking consistent action, you can create momentum that transforms not only your finances, but your relationship with money as well.
💡 If you want my help with your budget or money mindset:
Want more support on your financial journey? Here’s how we can work together:
The SugarMamma Budget & Cashflow 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
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 canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

See omnystudio.com/listener for privacy information.

Many Australians eventually reach the same crossroads in their wealth-building journey:
Should I invest more money into superannuation?
Or should I build wealth outside of super?
In this week's Start Here episode, inspired by a listener question, we're unpacking one of the most important investing decisions you'll ever make.
Using a real-life example of a 38-year-old investor with $372,000 in superannuation and a growing share portfolio, we explore the advantages and disadvantages of investing inside and outside super, including:
✔️ The tax benefits of superannuation
✔️ The power of flexibility and accessibility
✔️ Why inflation can dramatically impact your retirement goals
✔️ How to know if you're already on track for retirement
✔️ The difference between maximising wealth and maximising freedom
✔️ Why investing isn't always an either-or decision
✔️ The pros and cons of building wealth inside and outside super
We also walk through retirement projections, discuss the risks of relying on a single wealth structure, and explore why many Australians deliberately build wealth both inside and outside superannuation.
Most importantly, you'll learn how to think about your next investment decision through the lens of your goals, lifestyle and future financial freedom.
Because sometimes the best financial decision isn't simply about maximising returns. Sometimes it's about creating more options for your future self.
In This Episode
Why there is no universal answer to the super vs shares debate
Understanding retirement income in today's dollars versus future dollars
How inflation quietly changes retirement planning
Example projections for a 38-year-old investor
The advantages of investing more into superannuation
The disadvantages of locking away wealth until retirement
The benefits of building passive income outside super
How flexibility can become more important than tax efficiency
Why many investors choose to do both
Remember
Financial freedom isn't about having the biggest portfolio.
It's about having choices.
🎧 Have a money question you'd like answered on Start Here?
Email your question and it may feature in a future episode of SugarMamma's Fireplay. canna@sugarmamma.tv - strictly general advice only
#Superannuation #Investing #RetirementPlanning #PassiveIncome #FinancialFreedom #ETFs #AustralianShares #MoneyPodcast #SugarMamma #FireplayPodcast
💡 If you want my help with your Budget or Money Mindset
Want more support on your financial journey? Here’s how we can work together:
The SugarMamma Budget & Cashflow 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
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 canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

See omnystudio.com/listener for privacy information.

With recent changes to negative gearing for investment properties, many Australians are starting to ask an important question:
Can you negatively gear shares instead?
The answer is yes — but borrowing to invest in the share market comes with its own risks, responsibilities and opportunities.
In this episode of SugarMamma's Fireplay, financial planner Canna Campbell explains how negative gearing shares works, the two most common ways Australians borrow to invest, and the practical steps you can take to reduce your risk and build wealth more safely.
Whether you're curious about debt recycling, considering a margin loan, or simply want to understand how tax deductions work when investing in shares, this episode will help you make more informed decisions.
In this episode, you'll learn:
✔ What negative gearing actually means
✔ Why negative gearing is a tax outcome, not an investment strategy
✔ The difference between margin loans and debt recycling
✔ How investors use borrowed money to invest in shares
✔ The potential tax benefits and wealth-building opportunities
✔ The risks of borrowing to invest
✔ What a margin call is and how it works
✔ How rising interest rates can affect your strategy
✔ The importance of cash flow and emergency savings
✔ 7 practical ways to reduce risk when negatively gearing shares
My 7 risk-management rules for borrowing to invest:
Diversify your investments
Focus on liquid investments
Have a clear investment goal
Maintain a strong emergency fund
Consider reinvesting dividends or using the dividends to service & reduce the investment debt
Gradually reduce investment debt - consider a P&I loan over a IO loan - with advice
Review your strategy regularly - e.g. every 6 months
Key takeaway:
Borrowing to invest can accelerate wealth creation, but it can also amplify losses. Before considering a negatively geared share strategy, make sure you understand the risks, have a long-term investment plan and never invest purely for a tax deduction.
The goal isn't to create a tax loss. The goal is to build long-term wealth.
Resources Mentioned
Debt Recycling Explained
Margin Loans Explained
Emergency Fund Calculator
ETF Investing for Beginners
LIC Investing Basics
Diversification Strategies
Understanding Investment Risk
💡 Work With Me
Want more support on your financial journey? Here’s how we can work together:
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
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 canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

negative gearing shares, debt recycling Australia, margin loans Australia, borrowing to invest, leveraged investing, negative gearing alternatives, investing after property negative gearing changes, tax deductions on shares, share investing Australia, ETF investing Australia, LIC investing Australia, wealth building strategies, personal finance Australia, financial independence Australia, passive income investing, share market investing, investment loans Australia, financial planner Australia, Canna Campbell, SugarMamma Fireplay
See omnystudio.com/listener for privacy information.

Becoming mortgage free is one of the biggest financial milestones you can achieve — but what happens next?
In this episode of Start Here (the mini-series within SugarMamma’s Fireplay), Canna answers a powerful listener question from Georgie, who is just four repayments away from owning her home outright.
After years of discipline, sacrifice, and consistency, Georgie is ready for her next chapter — but she wants to make sure she doesn’t lose momentum.
This episode explores the smart, strategic next steps after paying off your mortgage, including how to transition from debt repayment to wealth creation.
Canna walks through the key considerations to help you build long-term financial security, including investing, superannuation strategies, emergency funds, and creating a sustainable financial system that supports both your future goals and your lifestyle today.
If you’ve ever wondered what to do after becoming mortgage free — or how to turn this milestone into lasting financial independence — this episode is for you.
🎯 What You’ll Learn in This Episode
Why you shouldn’t rush to close your mortgage account
How to celebrate financial milestones without losing momentum
The importance of building an emergency fund (and how much you actually need)
How to define your next financial goals with clarity and intention
The difference between investing outside of super vs contributing more to superannuation
What debt recycling is and when it may be appropriate
Why reviewing your personal insurances is critical at this stage
How to build a sustainable financial system that balances wealth creation and lifestyle
💡 Work With Me Want more support on your financial journey? Here’s how we can work together:
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
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 canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here
⚖️ General Advice Warning While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.
📜 Financial Planning License Details The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).


💡 Key Topics Covered
Mortgage free AustraliaWhat to do after paying off mortgageFinancial freedom AustraliaHow to build wealth after mortgageInvesting vs superannuation AustraliaDebt recycling strategy explainedEmergency fund AustraliaPassive income strategiesRetirement planning AustraliaSalary sacrificing super benefitsPersonal finance tips AustraliaFinancial independence for womenMoney management strategiesHow to invest after paying off debtBuilding long term wealth Australia
⚠️ Disclaimer
This episode contains general advice only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice from a licensed financial planner before making any financial decisions.
💬 Call to Action
If you enjoyed this episode, please make sure you follow the show and leave a rating and review — it helps more people find these conversations.
And if you have a question you’d like answered in a future Start Here episode, send it through — I’d love to hear from you. canna@sugarmamma.tv

#MortgageFree#FinancialFreedom#MoneyTipsAustralia#InvestingAustralia#PassiveIncome#Superannuation#WealthBuilding#PersonalFinance#FinancialIndependence#SugarMamma
See omnystudio.com/listener for privacy information.

Cost-of-living pressures have changed the way Australians shop.
According to new research commissioned by Amazon Australia, - who are proud sponsors of today's episode - share that almost 9 in 10 Australians have changed their shopping habits, and four out of five are now deliberately timing purchases around major sales events - with Amazon Prime Day kicking off this week (Tuesday the 7th of July, through to Monday the 13th of July).
But is this really about spending more?
Or are Australians simply becoming smarter with their money?
In this episode of SugarMamma's Fireplay, I sit down with Duncan Fredericks from Amazon Australia to unpack the key trends of how Aussies are shopping today.
We discuss:
Why Australians are becoming far more intentional with their spending.
How sales events can become part of a budgeting strategy rather than an excuse to impulse shop.
The difference between shopping with purpose and shopping emotionally.
Practical tools like Wishlists, product reviews and price planning that can help you spend more intentionally.
The categories Australians are prioritising during major sales events.
How Amazon Resale works and why buying returned or open-box products can help save money while reducing waste.
The real value of Amazon Prime beyond sales events, including delivery and entertainment benefits.
I also share my own personal shopping philosophy, including the difference between creating a Need List and a Wish List, why I always read reviews before buying, and how thoughtful planning helps me enjoy the convenience of online shopping while freeing up something that's even more valuable than money... my time.
Remember:
A sale doesn't save you money.
Buying the right things does.
Thank you to Amazon Australia for sponsoring this episode of SugarMamma's Fireplay.
As always, thank you so much for listening. If you enjoyed this episode, please subscribe, leave a review and share it with someone who loves making smarter financial decisions.


See omnystudio.com/listener for privacy information.