『SugarMamma’s Fireplay』のカバーアート

SugarMamma’s Fireplay

SugarMamma’s Fireplay

著者： Canna Campbell SugarMammaTV
無料で聴く

今ならプレミアムプランが3カ月 月額99円

2026年5月12日まで。4か月目以降は月額1,500円で自動更新します。

概要

 Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC2026 Canna Campbell SugarMammaTV 個人ファイナンス 経済学
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  • START HERE: How to Manage Irregular Child Support, Pay Off Debt & Build Financial Security as a Single Parent

    START HERE: How to Manage Irregular Child Support, Pay Off Debt & Build Financial Security as a Single Parent
    2026/04/09

    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 分
  • Super Fund Switching Warning: The Risks of SMSFs, Platforms & Lead-Generated Advice

    Super Fund Switching Warning: The Risks of SMSFs, Platforms & Lead-Generated Advice
    2026/04/05
    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 分
  • START HERE: Should Couples Stagger Retirement to Help Money Last Longer?

    START HERE: Should Couples Stagger Retirement to Help Money Last Longer?
    2026/04/02
    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 分
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