SugarMamma’s Fireplay

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.

Artificial Intelligence is changing the way we work, learn and manage our money.
But should you trust AI to create your financial plan?
In this episode of SugarMamma’s Fireplay, I unpack a growing trend I’ve been seeing online: people uploading highly confidential financial documents into AI platforms and relying on the output as their financial strategy.
As a Financial Planner with more than 20 years of experience, I believe there is a huge difference between using AI as an educational tool and relying on it to make decisions that could impact your financial future for decades.
In this episode, I explain the five biggest risks of using AI to create a financial plan, including:
💰 Why AI can’t understand your personal goals, fears, values and money story
💰 The danger of incomplete information and hidden blind spots
💰 Why there is no accountability if AI gets it wrong
💰 The serious privacy and cyber security risks of uploading confidential financial information
💰 Why financial planning is fluid and requires ongoing review as your life changes
I also share how I personally believe AI can be used safely and effectively to improve your financial confidence, including:
✔️ Brainstorming budgeting and money management ideas
✔️ Understanding complex financial concepts
✔️ Comparing different strategies and investment options
✔️ Asking judgement-free money questions
✔️ Summarising financial information and research
AI is an incredible tool, but it should support your financial decision-making, not replace it.
If you’ve ever wondered whether ChatGPT, Copilot or other AI platforms can replace a Financial Planner, this episode is for you.
💡 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).
Disclaimer: This podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice from a suitably qualified adviser.
AI financial advice, ChatGPT financial planning, AI money advice, financial planner vs AI, Copilot financial planning, ChatGPT investing, personal finance Australia, financial advice risks, artificial intelligence and money, wealth building Australia, investing mistakes, financial planning, money management, superannuation, budgeting, financial literacy, SugarMamma Fireplay.
See omnystudio.com/listener for privacy information.

Right now, many Australian families are doing everything “right” — working hard, budgeting carefully, cutting back — and still feeling like they’re falling behind.
In this deeply honest and practical Start Here episode, Canna responds to a message from a listener who feels like they simply can’t keep going under the pressure of rising mortgage repayments and the increasing cost of living.
If you’re feeling stretched, exhausted, and like there’s nothing left at the end of the week… this episode is for you.
This is not about budgeting harder.
This is about understanding what’s really happening, rebuilding hope, and exploring practical ways to relieve financial pressure — without burning out or giving up on your future.
In This Episode, You’ll Learn:
Why so many households are struggling right now — even when they’re doing everything right
The impact of wages not keeping up with inflation and rising living costs
How to relieve pressure by reviewing and restructuring your mortgage
Why speaking to a mortgage broker could be one of the most powerful next steps
How to explore income growth opportunities without sacrificing your family life
Why some of the biggest pay rises come from changing jobs — not staying put
Short-term strategies to create breathing room when things feel overwhelming
Creative options to use your home differently to ease financial pressure
How to protect your mental health and family connection during financially stressful times
Why this season is temporary — and how to stay connected to your long-term goals
To send in your START HERE questions in, please reach out to me canna@sugarmamma.tv - strictly general advice only.
Key Takeaway:
👉 You are not failing — the environment has changed.
When the cost of living rises faster than income, even the most disciplined households can feel like they’re falling behind.
This episode is your reminder that:
You are not alone
This is not forever
And there are still options available to help you move forward
Practical Steps to Consider:
Request a mortgage rate review from your lender
Speak to a mortgage broker to explore refinancing opportunities
Consider adjusting your loan structure to reduce repayments
Explore new job opportunities or salary negotiations
Look at flexible ways to increase household income (if appropriate)
Review eligibility for government support or temporary relief options
Consider whether your home could generate income or be used differently
Protect small, meaningful lifestyle moments to support your wellbeing
A Gentle Reminder:
If you’re feeling overwhelmed, exhausted, or emotionally drained by financial pressure — please know that your mental health matters just as much as your money.
You don’t have to navigate this alone.
Disclaimer:
This episode contains general financial information only and does not take into account your personal circumstances. For advice tailored to your situation, please speak to a licensed financial planner or mortgage broker.
Connect With Me:
If you found this episode helpful, please share it with someone who might need to hear it.
And if you have a question you’d like answered in the Start Here series, feel free to reach out — you’re never alone in this.
Keywords (SEO):
cost of living crisis Australia, mortgage stress Australia, rising interest rates, financial stress help, how to reduce mortgage repayments, refinancing home loan Australia, budgeting not working, increase income Australia, family finances under pressure, inflation and wages Australia, financial advice Australia, money stress support, Start Here SugarMamma, Canna Campbell podcast
💡 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).

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#CostOfLivingCrisis #MoneyStress #PropertyAustralia #FinancialPlanning #StartHerePodcast #Cashflow #InvestingBasics #MoneyDecisions #WealthBuilding #MortgageStress
See omnystudio.com/listener for privacy information.