SugarMamma’s Fireplay

🎧 START HERE: Helping Adult Children Into Property Without Sacrificing Your Own Financial Future
Helping adult children enter the property market is one of the most emotionally charged money decisions parents face today.
In this Start Here episode, Canna responds to a thoughtful listener question from parents in their early 50s who are financially disciplined, investing for their own future — and wondering how (or whether) to help their adult children buy property without compromising their own long-term security.
This episode isn’t about quick fixes or fear-based decisions. It’s about balance, boundaries, and building independence — for both generations.
🏠 In this episode, we cover:
✔ Why this decision isn’t about generosity vs selfishnessHelping your kids should never come at the cost of your own independence, wellbeing, or financial security — especially when parents may still have 30–40 years of living costs ahead.
✔ Starting with the kids — not the propertyBefore any strategy is considered, it’s essential to understand what your children actually want, their motivation for buying, and whether they’re emotionally and financially ready for long-term debt.
✔ The non-negotiable role of financial disciplineWhy parental help should reward good habits — not replace them — and why discipline must come before deposits, guarantees, or joint ownership.
✔ Longevity risk: the danger parents often underestimateWhy parents need to prioritise their own superannuation, cashflow, and long-term goals before offering financial support — and the risks of leaving yourself short later in life.
🔍 We break down common strategies, including:
Acting as a guarantor — the real risks, legal responsibilities, and why this isn’t a “soft favour”

Buying property jointly with a child — where this can work, and where it often gets complicated

Purchasing an investment property together while children rent elsewhere

Dollar-for-dollar matching — a powerful way to support discipline while capping parental risk

📈 A powerful alternative: building a share portfolio first
One of the most overlooked — and effective — strategies discussed in this episode:
Helping children build a share portfolio before buying property

Using dividends to help service mortgage repayments

Designing a portfolio to eventually become a deposit, or to support long-term financial independence

Why learning to invest through market ups and downs is critical before taking on a 30-year mortgage

As Canna explains:“Rather than racing to buy an asset that costs money every month, you can help your children build an asset that pays them.”
⚖️ Relationships, boundaries & legal reality
We also discuss:
The risks around partners, breakups, and family law

Why love is emotional — but property is legal

The importance of clear agreements, estate planning, and independent advice

💛 The key takeaway
Supporting adult children into property can be a beautiful thing — when it’s intentional, disciplined, and values-aligned.
There is no single right answer.But there is a right process.
Your children have time.You have a responsibility to yourself.
And the best outcomes come when both are respected.
🎙 This episode is general information only and does not consider your personal circumstances. Always seek personal financial and legal advice before making major financial decisions.
💬 Let’s Keep the Conversation Going - email me [email protected] - no personal advice
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 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.
🌟 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.

In this episode, we discuss the jobs that are paying serious 6 figure salaries and you will be surprised as to how easy it is to get on this bandwagon!
💬 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 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 Coaching
Join 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.

Start Here: My Pep Talk If You’re Starting From Nothing
If you feel like you’re starting again with money — or starting for the very first time — this episode is for you.
Maybe you have:
no savings

some debt

no investments

very little super

or a quiet feeling that you should be further ahead by now

In this Start Here episode, I want to give you a calm, practical reset — without shame, pressure, or overwhelm.
This is not about rushing growth or “catching up.”It’s about rebuilding stability first, then creating momentum that actually lasts.
Details of the SugarMamma Budget & Cashflow Academy:
This course includes a one-on-one appointment with me so I can personally help you with setting up your budget and new cashflow ritual. The life changing system I have been using for 10 years +
👉 Enrol here
In the meantime, in this episode, we cover:
Why starting from scratch is not a failure, but an opportunity

What “starting from nothing” really looks like (and why it’s so common)

How to create direction using goals + budgeting, without restriction

A simple two-account cashflow system to stop living pay-to-pay

How to think about emergency money in a realistic, personal way

When (and how) to start rebuilding savings, investing, and super

Why progress often shows up emotionally before it shows up financially

The one step to take today if you’re feeling overwhelmed

This episode is designed to help you feel:
calmer

clearer

more in control

and confident that you’re not behind — you’re beginning

If you’ve ever felt like everyone else has it together and you don’t, please know: you are not alone, and you are not broken.
This is your starting line.
🎧 Perfect for listeners who:
feel financially overwhelmed or stuck

are rebuilding after debt, separation, burnout, or life changes

want a simple, sustainable way to get back on their feet

need encouragement and practical next steps

📌 Important Note
This episode is general information only and does not constitute personal financial advice. Everyone’s situation is different, and you should consider seeking professional advice tailored to your circumstances.
💛 Share & Connect
If this episode helped you, please share it with someone who needs a gentle reset with money.And if you have a question you’d like answered in a future Start Here episode, send me a DM on Instagram:
👉 @SugarMamma👉 @CannaCampbellOfficial
💡 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 Coaching
Join 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.

In this episode of SugarMamma’s Fireplay, Canna Campbell takes you behind the scenes of her personal goal-setting system — the same framework she’s used to build financial security, resilience, and balance across all areas of her life.
Inspired by key insights from Diary of a CEO, this episode isn’t about unrealistic hustle or perfection. It’s about setting intentional, meaningful goals that actually work in real life.
Canna shares:
• Why her goal year ends on December 1, not December 31
• Why she caps her goals at five only
• How her five pillars of harmonic wealth guide every decision
• The mindset shift from motivation to systems and structure
• How she commits to goals without burning out or quitting
• And her five personal goals, including investing in her home, The $1000 Project, health, relationships, and intellectual growth

This episode is perfect for anyone who:
• Feels overwhelmed by goal setting
• Wants clarity without pressure
• Is tired of starting strong and burning out
• Wants their financial goals to support their life, not compete with it
This is an honest, grounding conversation about progress, adaptability, and designing goals that evolve as you do.
🎧 Listen now and use this episode as a template to design your own year — calmly, intentionally, and with confidence.
💬 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 Academy
Sick 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 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.
🌟 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).


#SugarMammaFireplay
#FinancialGoals #GoalSetting2026 #MoneyMindset #FinancialWellbeing #WomenAndMoney #WealthWithPurpose #IntentionalLiving #FinancialIndependence #HarmonicWealth #MoneyAndLife #DiaryOfACEO #PersonalFinanceAustralia
See omnystudio.com/listener for privacy information.

Receiving an inheritance can be life-changing — but without a clear plan, it can also create confusion, pressure, and unintended consequences. In this episode, Canna walks through a calm, structured framework to help you protect yourself, build long-term security, and avoid becoming one of the many women who retire financially vulnerable.
This episode is educational and empowering, designed to help you prepare for personal advice and make confident decisions.
What We Cover
✔ Why this matters (the statistics):
Why women are at higher risk of retiring in poverty
How caregiving, separation, and time out of the workforce impact super
✔ Step-by-step framework (9 steps):
Pause before acting
Protect the inheritance legally
Understand the financial power of being mortgage-free
Build realistic emergency money (not generic rules)
Make super the centre of long-term security
Understand super access, tax, and retirement income
Invest outside super for flexibility and confidence
Build financial literacy through experience
Create intergenerational financial empowerment for children
✔ Why super matters — especially for women
How super works as an investment portfolio
Why allocated pensions are so powerful in retirement
How tax-free income after 60 can protect your lifestyle
✔ Practical next steps
What to take to your financial planning appointment
How to think beyond “balance” and focus on income for life
Important Disclaimer
This episode provides general information only and does not constitute personal or product advice. Always seek advice from a licensed financial planner and legal professional before making decisions involving inheritance, superannuation, or relationship structures.Download
📄 Free Printable: Inheritance Planning Checklist
Share This Episode If:
You’re receiving an inheritance
You’re rebuilding financial independence after separation
You’re worried about having “nothing in your own name”
You want to protect your future, not just your lifestyle
💬 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 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.
🌟 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.