Episodes

  • Your Financial Atomic Habits! Easy Financial Success
    Apr 12 2026
    Check out PocketSmith here: At the beginning of 2025, I read Atomic Habits by James Clear, and it fundamentally shifted how I approach money, discipline and long-term success. Not through motivation. Not through extreme budgeting. Not through hustle. But through systems and tiny repeated behaviours. In this episode of SugarMamma’s Fireplay, I break down exactly how to apply the principles of Atomic Habits to your financial life — so that wealth building becomes steady, structured and sustainable. If your New Year’s resolutions are fading… If you feel frustrated with slow financial progress… If you’re tired of relying on motivation… This episode will show you how to build financial momentum that compounds quietly in the background of your life. In This Episode, We Cover: • Why habits are the compound interest of financial growth • The difference between goals and systems (and why systems win) • How identity drives your money behaviours • Practical examples of habit stacking for budgeting and investing • The 4 Laws of Habit Formation applied to money • How to make financial discipline easier (and even enjoyable) • Why “boring” money habits create extraordinary results • How to become the type of person who naturally builds wealth Practical Takeaways: By the end of this episode, you’ll know how to: ✔ Create 3 micro financial habits that support your biggest goals ✔ Design an environment that supports saving and investing ✔ Automate your wealth building ✔ Reinforce identity-based financial behaviours ✔ Build momentum through small, measurable wins Key Message: Wealth is rarely built through one big decision. It’s built through thousands of tiny, intentional ones. And when your habits align with the identity of a wealth builder, financial freedom becomes a by-product — not a struggle. 📚 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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.
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    23 mins
  • START HERE: How to Manage Irregular Child Support, Pay Off Debt & Build Financial Security as a Single Parent
    Apr 9 2026

    Check out PocketSmith here:

    In this Start Here episode of SugarMamma’s Fireplay, Canna answers a thoughtful question from a listener navigating the financial realities of single parenthood and irregular child support payments.

    When income is unpredictable, building financial stability can feel overwhelming — especially when you’re also trying to eliminate debt, build emergency savings and eventually buy a home.

    In this episode, Canna shares a practical step-by-step strategy to help you prioritise your financial goals and create a stronger financial foundation.

    If you’ve ever wondered how to manage irregular income while still making progress toward your financial future, this episode will give you a clear roadmap to follow.

    What You’ll Learn in This Episode:

    • Why mindset and budgeting are the two most powerful foundations for financial success

    • The smartest order to tackle debt, emergency savings and long-term goals

    • Why Buy Now Pay Later debt should be eliminated as quickly as possible

    • The hidden financial cost of car loans and depreciating assets

    • How to determine the right emergency fund amount for your personal situation

    • Practical strategies to accelerate debt repayment using automation and lump sums

    • How irregular income payments can actually become financial turbo boosts

    • The first steps to take when planning to buy your first home

    • Why superannuation should never be overlooked — even when other goals feel more urgent

    • The importance of protecting your income through personal insurance

    Who This Episode Is For:

    This episode is particularly valuable if you are:

    • A single parent managing finances independently

    • Receiving irregular income or child support payments

    • Trying to eliminate debt and build financial security

    • Saving for your first home

    • Looking for a clear, practical financial plan to follow

    IMPORTANT NOTE FROM CANNA:

    If you’re listening today and navigating your finances on your own, remember this:

    Small, consistent steps forward — even when progress feels slow — can completely transform your financial future.

    General Advice Disclaimer:

    The information shared in this podcast is for general educational purposes only and does not take into account your personal financial circumstances. For personalised advice, please speak with a licensed financial professional.

    To connect with Canna to ask your “Start Here” questions, you can catch her here: canna@sugarmamma.tv

    See omnystudio.com/listener for privacy information.

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    19 mins
  • Super Fund Switching Warning: The Risks of SMSFs, Platforms & Lead-Generated Advice
    Apr 5 2026
    Check out PocketSmith here: http://pocketsmith.com/fireplay Switching superannuation funds is up 17% in the past year — and many Australians making the move have balances under $100,000. In this episode of SugarMamma’s Fireplay, Canna Campbell unpacks what’s really happening behind the rise in switching, the growing concerns around lead-generated financial advice, and why smaller super balances are particularly vulnerable to higher fees and increased risk. Following the collapses of Shield and First Guardian, this is a calm but serious call for greater awareness, stronger consumer protections, and more thoughtful decision-making when it comes to your retirement savings. Platforms and SMSFs are not inherently bad. But they are typically more complex, more expensive, and require deeper engagement and appropriate advice. Your superannuation is likely one of the largest financial assets you will ever own — and one day, it will become your income. Before making any changes, this episode will help you understand: • Why super switching is rising — and who is most affected • The risks associated with lead generation and cold-call financial advice • Why smaller balances are more sensitive to fees and poor decisions • The difference between healthy competition and inappropriate switching • The 5 key features Canna looks for in a quality super fund The 5 Things to Look for in a Super Fund 1️⃣ In-specie transfer services for smooth transition into pension phase 2️⃣ A wide range of investment options with asset allocation flexibility 3️⃣ Competitive (but not simply “cheap”) fee structures 4️⃣ Strong regulation, transparency and customer accessibility 5️⃣ Appropriate insurance options (Life, TPD, Income Protection) This Episode Is For You If: ✔️ You are considering switching super funds ✔️ You’ve been contacted by a lead generator or cold-call adviser ✔️ You’re frustrated with your current fund ✔️ You want to understand the risks of SMSFs or platform products ✔️ You value long-term financial independence and security Superannuation is not short-term money. It is retirement money. It is future income. It deserves careful, strategic decisions — not pressure. As always, this episode is general advice only. Please seek licensed personal advice tailored to your own circumstances before making financial decisions. If you found this episode valuable, please share it with someone who needs to hear it — because protecting retirement savings is a community responsibility. 📚 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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.
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    20 mins
  • START HERE: Should Couples Stagger Retirement to Help Money Last Longer?
    Apr 2 2026
    Is it better for couples to retire at the same time — or stagger retirement dates? In this Start Here episode, Canna answers a listener question from a couple aged 53 and 60 who are considering retiring together within the next five years… but are noticing many of their friends are staggering retirement due to cost-of-living pressures and inflation. Could staggering retirement actually be a smarter financial strategy? In this episode, we break down: What “staggered retirement” really meansWhen you can access your super (age 60, 65 and 67 rules explained)What an account-based (allocated) pension isHow pension phase creates 0% tax on super earningsMinimum drawdown rates in retirementHow staggering retirement may improve tax efficiencyHow it can impact Age Pension eligibility and the asset testWhat “Centrelink sheltering” means for couples with an age gapStrategies such as catch-up concessional contributionsDownsizer contributions explainedSuper splitting between spousesThe importance of modelling income sustainabilityEmotional and lifestyle considerations of retiring at different times Staggering retirement isn’t about one partner “working longer” — it can be a strategic way to: ✔️ Maximise tax efficiency ✔️ Strengthen super balances ✔️ Improve Age Pension eligibility ✔️ Reduce financial pressure ✔️ Increase long-term security Retirement is not just a date. It’s a coordinated financial strategy. If you and your partner are within 5–10 years of retirement, this episode will help you ask better questions and prepare for professional advice with clarity and confidence. 📚 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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). 🧭 Episode Breakdown 00:00 – Listener question: Should we stagger retirement? 04:00 – Key super access ages (60, 65, 67 explained) 08:00 – What is an allocated pension? 12:00 – Pension phase tax benefits (0% earnings tax) 15:00 – How staggering retirement can improve tax efficiency 19:00 – Age Pension strategy & asset test implications 23:00 – Catch-up contributions & downsizer contributions 27:00 – Emotional readiness & lifestyle alignment 30:00 – Why personalised financial modelling is essentialSee omnystudio.com/listener for privacy information.
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    17 mins
  • Micro-Investing: A Starting Line, Not the Finish Line
    Mar 29 2026
    Micro-investing apps have helped thousands of Australians take their first step into investing — and that’s a good thing. But starting is not the same as progressing. In this episode, Canna Campbell breaks down: Why micro-investing has exploded in popularityWhere it genuinely helps — and where it can quietly hold people backThe myths that keep investors stuck at “starter level”Why education matters more than appsAnd exactly how to level up into real investing, real ownership, and real financial momentum This is a supportive, honest conversation designed to empower you — not shame where you’re starting. What You’ll Learn in This Episode 1. Why micro-investing took off Low barriers, automation, habit-buildingPerfect for beginners and tight budgetsHelps people overcome fear and inertia 2. The hidden risk no one talks about Staying “micro” foreverFees eating into long-term growthLack of understanding and confidenceComfort replacing progress 3. Micro-investing myths vs reality “I’m investing so I’m sorted”“Diversified means I’m safe”“I’ll level up later” 4. Why education is the real wealth builder Understanding what you ownKnowing how dividends, ETFs and compounding actually workRemoving fear, panic and emotional decision-making 5. How to level up — step by step When you know you’re readyOpening a traditional brokerage accountWhat to do with your micro-investing accountAutomating investing the right wayReinvesting dividends for long-term growth 6. Why this matters for your future Passive incomeOptionalityFinancial independenceConfidence and choice Key Takeaway Micro-investing is a starting line, not the finish line. Your future deserves intention, education, ownership — and belief that you’re capable of more. 💬 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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.
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    19 mins
  • START HERE: Nervous About Debt Recycling? 7 Rules to Do It Safely (Before You Start)
    Mar 26 2026
    Debt recycling can be a powerful long-term wealth strategy. But it’s not a “hack.” And it’s definitely not something to rush into. In this Start Here episode, I answer a listener who says they are finally ready to pull the trigger on debt recycling… but they’re feeling nervous. And honestly? That’s a good sign. In this episode we cover: ✔ What debt recycling actually is (and what it isn’t) ✔ Why nerves are normal — and when they’re a warning sign ✔ The biggest risks people underestimate ✔ The 7 rules I believe reduce stress and protect you ✔ Why emergency money is non-negotiable ✔ Why this is not a DIY strategy ✔ The importance of strong cashflow and stress-testing ✔ Why personal insurance matters more than ever ✔ How to structure the investment loan correctly ✔ What to do with the investment income ✔ Why patience is the hidden superpower of this strategy Debt recycling can accelerate wealth — but only when it is built on strong foundations. This episode is about: • clarity over comparison • structure over speed • resilience over rushing If you’re considering debt recycling — or even just curious — this will help you approach it with confidence and intention. 💡 Important Reminder This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Before implementing any strategy, seek personalised advice from a licensed financial adviser and qualified mortgage professional. Debt recycling involves leverage and investment risk. It is not suitable for everyone. 📩 Got a question for Start Here? Send me a DM on Instagram: @SugarMamma @CannaCampbellOfficial OR email me canna@sugarmamma.tv Your question might be featured in a future episode 💛 📚 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 MentorshipJoin 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodTikTok:@SugarMammaTVYouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!Website:SugarMammaTV.comDon’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.
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    19 mins
  • Interest Rates Are Rising — What Smart Homeowners Are Doing Right Now (INVALUABLE ADVICE with Adam McCabe)
    Mar 22 2026

    Interest rates are rising again — and for many homeowners, it’s starting to feel overwhelming.

    But instead of panicking, what should you actually be doing right now? Fix your rates? Refinance? Review? Or accelerate your repayments?

    In this episode of SugarMamma’s Fireplay, Canna Campbell sits down with senior mortgage broker Adam McCabe from Blue Lantern to break down exactly how to navigate rising interest rates with clarity and confidence.

    This is not about fear — it’s about being informed, proactive, and strategic. Please note that this was recording prior to last week’s rate rises, however this information is still INVALUABLE!

    Together, they cover:

    ✨ What rising interest rates really mean for your mortgage

    ✨ The biggest mistakes homeowners are making right now

    ✨ How to check if you’re still on a competitive rate

    ✨ When (and how) to refinance or renegotiate or even fix!

    ✨ What a “mortgage health check” actually involves

    ✨ How to protect your cashflow and reduce financial stress

    ✨ The role of buffers, offsets, and smarter loan structuring

    ✨ Why doing nothing could be costing you more than you realise

    Whether you’re feeling the pressure already or simply want to stay one step ahead, this episode will give you the tools to make calm, confident financial decisions in a changing rate environment.

    Should you wish to chat with Adam and take up his offer for a FREE Mortgage Health Check, you can contact him directly: Adam.mccabe@bluelantern.com.au or 0423 685 133

    Please note that we do not receive ANY upfront or ongoing fees should you work with Adam McCabe from Blue Lantern. We are happy to connect you with people whom we have worked with for many years and from our experience and client feedback, have always been a greatly appreciated and valued resource. Especially when it comes to mortgages and debt recycling strategies.

    🎯 KEY TAKEAWAY

    Rising interest rates don’t have to mean losing control, but with the right strategy, they can be managed, optimised, and even used to your advantage.

    GENERAL ADVICE ONLY: Please use this as a guide and for educational purposes only. Should you have any questions, please feel free to reach out to Canna@sugarmamma.tv

    See omnystudio.com/listener for privacy information.

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    19 mins
  • START HERE: How to Build Emergency Savings When You're Starting From $0
    Mar 19 2026

    Emergency money is one of the most important — and most misunderstood — foundations of financial wellbeing.

    In this Start Here episode, Canna walks through exactly how to build emergency savings from $0, without panic, shame or unrealistic expectations — even if you’re eager to move onto more advanced strategies like investing or debt recycling.

    This episode is for anyone who:

    • Feels overwhelmed by the idea of “saving enough”

    • Is embarrassed by how little they’ve saved so far

    • Wants to feel financially safe before taking bigger steps

    • Is stuck between motivation and frustration

    🧭 What You’ll Learn

    • Why having no emergency savings is more common than you think (and not a personal failure)

    • How to reframe emergency money as protection, not pessimism

    • The two best places to keep emergency money if you have a mortgage (offset vs redraw)

    • How to build emergency savings steadily without derailing your life or goals

    • Why automation matters more than motivation

    • How to stay motivated when progress feels slow

    • What counts as a real emergency (and what doesn’t)

    • How emergency money actually unlocks more opportunities — not fewer

    • What exciting financial strategies become possible once this foundation is in place

    💬 Key Takeaway

    You’re not behind.

    You’re not failing.

    You’re building the foundation that makes everything else possible.

    📚 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:

    1. 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
    1. 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.

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    23 mins