In today’s episode of SugarMamma’s Fireplay, I sit down with Lindsey — a wife, mother, and inspiring example of what’s possible when you combine courage, discipline, and vision.

Back in 2008, Lindsey and her husband were both earning $55,000 a year. They dreamed of building a life together but didn’t want to be tied to a huge mortgage forever. So they took a leap of faith — leaving their stable jobs to work in the mines. What happened next changed everything.

Over the years, Lindsey and her husband:

• Paid off two blocks of land while working FIFO.

• Saved $300,000 in cash to build their dream home.

• Subdivided their land, making smart property sales at the right time.

• Built their family home — now worth around $1.8 million — and became completely mortgage-free.

• Grew their superannuation balances to $250,000 each.

• Built an emergency fund, regular holiday savings, and a share portfolio they’re aiming to grow to $1 million in 20 years.

And the best part? They did all this while raising two children, travelling, and enjoying their lives along the way.

Lindsey opens up about the lessons, setbacks, and mindset shifts she’s experienced, and she shares advice for anyone who wants to create financial freedom on their own terms. This isn’t just a story about money — it’s about courage, clarity, and choosing a life that aligns with your values.

If you’re looking for motivation and practical inspiration, this is one episode you don’t want to miss.

📲 Stay Connected

• Follow me on Instagram: @SugarMammaTV

• Lifestyle & capsule wardrobe inspo: @CannaCampbellofficial

• TikTok: @sugarmammatv

• YouTube: SugarMammaTV

Check out my books:

• The $1000 Project → Buy here

• Mindful Money → Buy here

• Motivated Money by Peter Thornhill → Buy here

Work with me:

• Budget & Cashflow Academy

• Money Mindset & Manifestation Coaching

⚠️ Disclaimer

This podcast is for educational purposes only and does not constitute financial advice. Always consider your personal circumstances and seek professional advice before making major financial decisions.

⚖️ Additional 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).

#FinancialFreedom #MortgageFree #WealthBuilding #FIFO #DebtFreeJourney #SugarMammaFireplay #InvestingForTheFuture #MoneyMindset #FinancialIndependence #WomenWithWealth

See omnystudio.com/listener for privacy information.

If you’ve ever looked at your super and thought, “Am I in the right investment option?” — this episode is for you.

One listener recently asked me:
“Hi Canna, I’ve just realised I’m in the Balanced option with my super, but I don’t think this is right for me or my age group. Should I switch to Growth or High Growth?”

It’s such a common question — and one that could have a huge impact on your financial future. But before making any changes, there are important things to understand.

In this episode, I’ll walk you through:

• ✅ Why your super investment option matters more than you think.

• 🧠 How to work out your risk profile and why age isn’t the only factor.

• 💸 The hidden costs of switching options (like capital gains tax inside super).

• 🔍 What to check in your super fund itself — fees, investment menu, insurance, and retirement features.

• 📈 Why contributions matter just as much as investment choice.

• 🔄 How to review your super regularly so it stays aligned with your life.

• 👩‍💼 When and why to seek advice from a licensed financial planner.

Most importantly, I’ll show you how to move from confusion and hesitation to confidence and clarity with your super — one of your most powerful long-term wealth-building tools.

MUST LISTEN TO MY OTHER SUPERANNUATION EPISODES HERE:

🔑 Key Takeaway

There’s no one-size-fits-all answer to Growth vs High Growth. What matters is understanding your risk tolerance, reviewing your fund’s competitiveness, and making thoughtful, informed decisions that align with your goals.

📲 Call to Action

If this episode resonated with you, share it with a friend who might also be ignoring their super. And if you’ve got a money question you’d like me to cover in a future Start Here episode, DM me on Instagram — @SugarMamma or @CannaCampbellOfficial.

⚖️ Additional 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 your body can no longer do the work you’ve built your career around? It’s a confronting thought, but one we all need to face. Whether it’s illness, injury, burnout, or simply age — the day may come when your body says “enough.”

In this episode of SugarMamma’s Fireplay, I explore the financial and emotional reality of what happens when you can’t work anymore, and how to prepare now so you’re not left vulnerable later.

We’ll cover:

• ✅ Why relying only on your physical ability to earn an income is risky

• ✅ How to build a back-up plan that keeps money flowing even if you can’t work

• ✅ The role of insurance, superannuation, and passive income in protecting your lifestyle

• ✅ Real-life examples of how sudden health changes can derail financial security

• ✅ Small, practical steps you can take today to future-proof your finances

This is not about doom and gloom — it’s about empowerment and preparation. Because the earlier you prepare for life’s “what ifs,” the stronger, safer, and freer your future becomes.

🔑 Key Takeaways

• Your income is your greatest financial asset — protect it.

• Illness and injury can happen to anyone, at any stage of life.

• Income protection insurance, superannuation, and emergency savings are essential safety nets.

• Building multiple income streams — including investments that generate passive income — creates long-term resilience.

• Don’t wait for a crisis to plan. Future-proof your financial freedom now.

📚 Resources & Links

• Books:

  • The $1000 Project: Buy here

  • Mindful Money: Buy here

  • Motivated Money by Peter Thornhill: Buy here

• SugarMamma Courses:

  • Budget & Cashflow Academy

  • Money Mindset & Manifestation Course

• Stay connected:

  • Instagram: @SugarMammaTV | @CannaCampbellOfficial

  • TikTok: @SugarMammaTV

  • YouTube: SugarMammaTV

  • Website: www.SugarMammaTV.com

  • Other podcast: How Do They Afford That?

⚠️ General Advice Disclaimer

This podcast is for educational purposes only. It is not personal financial advice. Always do your own research and seek advice from a licensed financial planner before making financial decisions.

⚖️ Additional 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 #SugarMammasFireplay #FinancialFreedom #IncomeProtection #PassiveIncome #Superannuation #EmergencyFund #FinancialPlanningAustralia #MoneyMotivation #LongTermWealth

See omnystudio.com/listener for privacy information.

• Hope Housing is not a government scheme — it’s a private initiative using shared equity to reduce entry barriers.

• It allows eligible buyers to get into the market sooner.

• Eligibility goes beyond first-time buyers

• The program shares in the future growth of the property, so it’s important to weigh up both benefits and trade-offs.

• Preparation is key: budgeting, savings buffers, and knowing your long-term affordability.

You’ll learn:

• ✅ What Hope Housing is, and how it works

• ✅ Who can apply, including the surprising groups who qualify

• ✅ The pros and cons of shared equity models

• ✅ How to protect yourself financially when using a program like this

• ✅ Practical steps to prepare so you can afford not just to buy, but to keep your home long term

📚 Resources & Links - NOT SPONSORED AND NOT PRODUCT ADVICE

• Hope Housing official site: hopehousing.com.au

• Follow me on Instagram: @SugarMammaTV

• Lifestyle, capsule wardrobe & more: @CannaCampbellOfficial

• TikTok: @SugarMammaTV

• YouTube: SugarMammaTV – 500+ bite-sized videos, 12M+ views

⚠️ General Advice Disclaimer

This episode is for educational purposes only. It is not personal financial advice. Always do your own research and speak with a licensed financial planner, mortgage broker, or accountant before making property decisions.

📲 Stay Connected

• Books:

  • The $1000 Project: Buy here

  • Mindful Money: Buy here

  • Motivated Money by Peter Thornhill: Buy here

• My website: www.SugarMammaTV.com

• Other podcast: How Do They Afford That?

⚖️ 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 #SugarMammasFireplay #HopeHousing #FinancialFreedom #AustralianProperty #MortgageTips #HomeOwnership #SharedEquity #FirstHomeBuyerHelp #PropertyAustralia

See omnystudio.com/listener for privacy information.

In this deeply moving episode of Start Here, I answer a heartfelt question from Vicki. A woman in her mid-50s who found herself carrying unexpected debt after a marriage breakdown. Despite earning a good income and having a solid super balance, she feels overwhelmed, stuck, and exhausted, battling 17.5% interest debt with no clear way forward.

This isn’t just about numbers, it’s about resilience, validation, and finding light in what feels like complete darkness. Together, we talk through:

• Why her situation is not her fault and how to acknowledge the unfairness of it.

• Practical ways to protect her mental health while tackling her debt.

• How to reframe her journey by finding “7 hidden blessings” in this experience.

• Creating an estimated debt-free date to give her a sense of hope and motivation.

• Why her gut feeling about her financial planner matters, and how she has every right to seek a supportive, non-judgmental advisor.

• How she can gently prepare for her financial future, including exploring her $1000 Project and shaping her investment style for when she’s ready.

Most importantly, this episode is about compassion. Vicki, and anyone walking a similar path, needs to be reminded of their strength, their progress, and the exciting future that lies ahead once the weight of debt is lifted.

To ask your Start Here question - send me a DM on instagram or email canna@sugarmamma.tv - advice is always general in nature and your information remains confidential - with name changes for additional protection.

✨ Key Takeaways

• This is not your fault - being left with hidden debts is painful, unfair, and damaging. Acknowledge it, grieve it, and know you are stronger than it.

• Mental health comes first - finding joy and hope is just as important as making repayments.

• Reframe your experience - identify at least seven blessings you’re building through this challenge (discipline, resilience, budgeting strength, financial clarity, etc.).

• Put a date in your diary - calculate when the debt could be gone, and plan a celebration for that milestone.

• You deserve support - if your current planner makes you feel judged, you have every right to change advisors.

• Look ahead with excitement - use this time to learn, plan, and design how you want to grow wealth once the debt is gone.

⚖️ Additional 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).

#SugarMamma #SugarMammaFireplay #StartHere #FinancialFreedom #DebtFreeJourney #FinancialWellness #MoneyMindset #WomenAndMoney #DebtConsolidation #FinancialResilience #Superannuation #FinancialPlanning #DebtSupport

See omnystudio.com/listener for privacy information.

How to stretch your Christmas budget, shop mindfully, and turn every saving into financial progress!

With Christmas just around the corner and the cost of living still rising, most of us are looking for practical ways to stretch our money further, without sacrificing the joy of the festive season.

In this special episode, proudly supported by Amazon Australia, Canna shares how to make the most of Prime Big Deal Days, one of the biggest savings events of the year.

You’ll learn how to:
💸 Shop smarter, not harder, using intentional and mindful spending strategies
🎁 Get ahead on Christmas gifts and essentials without blowing your budget
📲 Use Amazon’s built-in tools, like Wishlists, deal alerts, and Alexa to stay organised
💡 Stack your savings using cashback, rewards, and planning hacks
🔥 Redirect every dollar you save towards your financial freedom goals from debt repayment to investing or topping up your super

Canna also unpacks fascinating new research revealing how Aussies are shopping smarter this year with 82% only buying items on sale and 3 in 4 households sticking to a strict festive budget.

Whether you’re saving for your mortgage, your next share purchase, or simply trying to breathe easier with your cash flow, this episode will help you turn every discount into a meaningful step towards financial independence.

Remember: Smart shopping = Smart saving = Financial freedom.

📚 Resources:

• Learn more or start your free 30-day Amazon Prime trial: amazon.com.au/primebigdealdays

• Follow Canna on Instagram: @SugarMammaTV

• Watch more financial empowerment content on YouTube: SugarMammaTV

• Grab Canna’s bestselling books:
  📘 The $1000 Project — Learn how to build wealth $1000 at a time
  📗 Mindful Money — A guide to financial independence and inner peace

• Sign up for updates and resources at: www.sugarmammatv.com

#SugarMammaTV #SugarMammasFireplay #SmartShopping #AmazonPrimeBigDealDays #MoneyMindset #BudgetTips #FinancialFreedom #Investing #Superannuation #DebtFreeJourney #CostOfLiving #SavingsGoals #IntentionalSpending #MindfulMoney #FrugalFinds #FinancialEmpowerment #WomenAndMoney #FinancialWellness #CannaCampbell

See omnystudio.com/listener for privacy information.