SugarMamma’s Fireplay

Investing doesn’t require wealth...it creates it. In this episode of SugarMamma’s Fireplay, Canna Campbell breaks down a simple, no-overwhelm, five-step roadmap to help you start investing with confidence — even if you’re starting small or feel behind. Inspired by a powerful long-term Vanguard example, Canna explains how consistent investing beats timing the market, why reinvesting dividends is non-negotiable, and how everyday Australians can build real wealth and passive income without stock-picking or stress. Whether you’re in your 20s, 40s or beyond, this episode is about building wealth habits — not chasing hype. In this episode, you’ll learn: Why starting early (or starting now) matters more than how much you invest The famous Vanguard example showing how $500/month grew into $775,000 The 5 simple steps to begin investing safely and sustainably How to use ETFs and LICs for instant diversification within your investment portfolio Why automation is the secret weapon of long-term wealth The power of reinvesting dividends (and resisting the temptation to spend them) The biggest investing mistakes to avoid How passive income becomes the true measure of financial independence The 5 Steps Covered: Open an online share trading account Choose diversified ETFs or LICs Automate a regular investment plan Reinvest all dividends - the power of dividend investing for financial independence Track and grow your passive income Who this episode is for: Beginners who feel overwhelmed by investing Anyone who thinks they “don’t earn enough yet” People who want financial independence, not financial stress FIRE-curious listeners ready to take control of their future Mantra from this episode:Small steps. Big future. 🎙️ Listen now and take the first step toward building the financial freedom your future self will thank you for. 💬 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 AcademySick 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 CoachingJoin 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: Which Property Goal Should We Do First?In this Start Here episode, Canna answers a powerful question from a couple in their late forties who are almost mortgage-free and dreaming of three exciting goals: 1️⃣ Building a granny flat to rent out2️⃣ Buying a small apartment overseas3️⃣ Purchasing a two-bedroom investment unit in Australia With $30,000 remaining on their mortgage, full-time incomes, and $180k in super (but none for the husband), they want to know:What’s the smartest order to pursue these goals, how can each one generate rental income, and how should they start saving? This episode covers: 🔹 Why clarity, timelines and personal values matter🔹 The importance of strengthening superannuation — especially when there’s a gap🔹 Why international tax advice is essential before buying overseas🔹 The pros and cons of: • A granny flat • An overseas lifestyle property • An Australian investment property🔹 How to prioritise these goals strategically🔹 Practical steps to save, prepare and build financial confidence🔹 The power of becoming debt-free before expanding🔹 How to “dress rehearse” future mortgage repayments🔹 Why automation and emergency savings are non-negotiable Canna also explains the sequencing that often works best for couples with similar goals — starting with the income-producing asset that strengthens your financial base and makes the later dreams possible. This is a grounded, empowering conversation about building wealth intentionally, understanding the risks, and shaping a future that aligns with your values and timelines. To send your "Start Here" question in, email canna directly [email protected] 💬 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 AcademySick 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 CoachingJoin 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). 🔐 GENERAL ADVICE WARNING The information in this episode is general in nature and does not take into account your personal financial situation, objectives or needs. Before acting on anything discussed, consider whether it is appropriate for you and seek personal advice from a licensed financial planner or accountant. All strategies discussed are for educational purposes only. #StartHereWithCanna #SugarMamma #FinancialPlanning #WealthBuilding #PropertyInvestingAustralia #IncomeProducingAssets #MortgageFreeJourney #SuperannuationAustralia #DownsizingStrategies #FinancialIndependenceAustralia #MoneyTipsAustralia #SmartMoneyMoves#PropertyGoals #RetirementPlanning #AustralianPodcast #MoneyPodcast #InvestingEducation #FinancialWellbeingSee omnystudio.com/listener for privacy information.

Money can buy many things — but not the ones that matter most.In this heartfelt episode, Financial Planner and author Canna Campbell shares the five non-financial investments that brought her the most joy, growth, and meaning in 2025. From healing through the Jamie Ryder Phoenix Program, to finding strength with budget-friendly home gym gear, to the love of Prince Pablo the Labrador, practical help with a renovation, and the priceless presence of Anna, the neighbour who feels like family — Canna opens up about how each of these “investments” enriched her life beyond measure. This is an episode about emotional wealth — and how spending intentionally on what nourishes you can completely transform your wellbeing. Key Takeaways Emotional investments yield the deepest returns. Consistency beats perfection — in fitness, finances, and self-care. Expertise saves time, money, and sanity. Love — in people, pets, and community — is priceless. Real wealth is about how your life feels, not what it looks like. 💬 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 AcademySick 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 CoachingJoin 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 #SugarMammaTV #FireplayPodcast #CannaCampbell #MindfulMoney #EmotionalWealth #NonFinancialInvestments #FinancialWellness #LifeBalance #PersonalGrowth #SelfCare #MentalHealthMatters #IntentionalLiving #PodcastAustralia #WomenAndWealthSee omnystudio.com/listener for privacy information.

In this Start Here episode, Canna answers one of the most common investing questions: “How many ETFs or LICs should I own?”We unpack how to avoid over-diversification, what research from Vanguard and Morningstar suggests, how to build a simple and powerful Core–Satellite portfolio, and how to decide whether to add new investments — or simply build what you already have.We also explore how to check for duplication, how to understand your risk profile, what to do if you’ve already over-diversified, and how The $1000 Project portfolio applies these principles in real life. What You’ll Learn• Why owning more ETFs doesn’t always mean more diversification• The 5–10 ETF rule (and why many people only need 2–3)• How to check whether you’re accidentally duplicating investments• How to understand your risk profile before choosing new investments• How to research what’s in each ETF (and why fund manager sites are gold!)• The Core–Satellite strategy for everyday investors• What counts as “intentional duplication” vs “accidental duplication”• What to do if your portfolio is already messy• How to use The $1000 Project as a model for compounding consistency• A practical framework to decide whether a new ETF belongs in your portfolio Key Links Mentioned• Vanguard & Morningstar research on portfolio construction - https://investor.vanguard.com/tools-calculators/investor-questionnaire• * Fund manager websites (to check ETF holdings) - https://www.whitefield.com.au/whitefield-industrials/ -not advice (educational purposes only)• The $1000 Project resources - https://amzn.to/3RV0Bnq Have a Start Here question? email [email protected] DisclaimersThis episode contains general advice only. It does not consider your personal financial situation, goals or needs. Always read the relevant PDS before investing and consider seeking advice from a licensed financial planner. Follow Canna: 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). 📚 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 AcademySick 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 CoachingJoin 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 #SugarMamma #StartHere #InvestingAustralia #ETFInvesting #LICInvesting #SharePortfolio #BeginnerInvestors #BuildingWealth #FinancialIndependenceAustralia #InvestingTips #The1000Project #PassiveIncomeAustralia #DividendInvesting #CoreSatelliteStrategy #VanguardInvestors #MorningstarResearch #AustralianInvestors #WealthCreation #MoneyPodcastAustralia #FinancialEducation #MoneyTok #FinTokAU #Investing101 #SmartMoneyMoves #ETFPortfolio #LICPortfolio #WealthMindset #MoneyConfidence See omnystudio.com/listener for privacy information.

In this honest and inspiring episode, Financial Planner Canna Campbell shares her 2025 financial goals update - the wins, the misses, and the surprising lessons that came with both. From investing through debt recycling to cancelling a family holiday, from book writing to work-life boundaries, this episode is a candid look at what really happens when life and money collide. 🎧 Expect vulnerability, reflection, and a few laughs - plus gentle reminders that financial progress isn’t about perfection, it’s about direction. 📚 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 AcademySick 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 CoachingJoin 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). #SugarMammaTV #FireplayPodcast #CannaCampbell #FinancialGoals #GoalSetting #MoneyMindset #FinancialFreedom #InvestingForWomen #WealthBuilding #DebtRecycling #WorkLifeBalance #MindfulMoney #PersonalFinanceAustraliaSee omnystudio.com/listener for privacy information.