SugarMamma’s Fireplay

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

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

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.