SugarMamma’s Fireplay

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:
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).

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:
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.

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:
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.

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:
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.

How to Make Your Super Last in Retirement: 8 Costly Mistakes to Avoid
Retirement isn't just about reaching a magic superannuation number.
It's about making sure your money lasts for the lifestyle you want to live.
After more than 20 years as a financial planner, I've seen that many Australians focus on the obvious retirement risks—like market crashes or inflation—but often overlook the hidden traps that quietly erode wealth over time.
In this episode of SugarMamma's Fireplay, I share the eight biggest retirement mistakes I see, along with practical strategies to help you build greater confidence, flexibility and financial security for the decades ahead.
Whether you're planning to retire in five years or twenty-five years, this episode will help you make smarter decisions today for a more comfortable tomorrow.
In this episode, you'll learn:
• Why your retirement lifestyle matters more than your super balance
• How inflation quietly reduces your purchasing power over time
• Why being too conservative with your investments can become a hidden risk
• What Sequence of Returns Risk is—and why it can significantly impact your retirement income
• How to prepare financially for a longer life expectancy
• Why future healthcare and aged care costs should be part of every retirement plan
• How part-time work or passion projects can strengthen both your finances and your wellbeing
• Why retiring with unnecessary debt can place pressure on your retirement cashflow
• Practical steps you can take today to help your super last longer
Retirement planning isn't about predicting the future.
It's about creating flexibility, reducing unnecessary risks and making thoughtful financial decisions that give you more choice and greater peace of mind.
If you enjoyed this episode, please share it with someone preparing for retirement and leave a review—it helps more Australians discover practical, empowering financial education.
Disclaimer: The information shared in this podcast is general in nature and is intended for educational purposes only. It does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking advice from a licensed financial adviser.
💡 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.