『SugarMamma’s Fireplay』のカバーアート

SugarMamma’s Fireplay

SugarMamma’s Fireplay

著者： Canna Campbell SugarMammaTV
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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: Super Insurance Premiums Are Rising! Should You Cancel, Switch or Stay?

    START HERE: Super Insurance Premiums Are Rising! Should You Cancel, Switch or Stay?
    2026/06/04

    Insurance inside superannuation is one of the most misunderstood — and often overlooked — parts of your financial plan.

    In this Start Here episode of SugarMamma’s Fireplay, I answer a powerful listener question from Cat, who is facing a 35% increase in her insurance premiums inside her super fund.

    Feeling overwhelmed, she’s wondering:

    • Should she switch super funds?
    • Should she cancel her insurance?
    • Or is there a smarter way to manage these rising costs?

    If you’ve ever questioned whether your insurance is worth it — or worried about how it’s impacting your super balance — this episode will give you the clarity and confidence to move forward.

    🎯 What This Episode Covers

    ✔️ Why insurance premiums inside super are rising
    ✔️ How to assess what you’re actually paying for (and if it’s worth it)
    ✔️ The hidden impact of insurance premiums on your long-term super balance
    ✔️ Why many Australians are underinsured — and the risks of cancelling cover too soon
    ✔️ How to adjust your insurance (without making costly mistakes)
    ✔️ The pros and cons of switching super funds for cheaper premiums
    ✔️ What you must do before cancelling or replacing any insurance policy
    ✔️ The concept of self-insuring over time — and how to build towards it
    ✔️ When to seek personal advice from a licensed financial planner

    💡 Key Takeaways

    • Insurance is not just a cost — it’s protection for your income, family and future
    • Premium increases are frustrating, but knee-jerk decisions can be costly
    • Understanding your policy features can reveal opportunities to reduce premiums
    • Insurance inside super is convenient — but it can erode long-term compounding if left unchecked
    • As your wealth grows, your reliance on insurance can gradually reduce
    • The goal is not to cancel cover — but to refine it over time

    ⚠️ Important Reminder

    This episode is general advice only and does not take into account your personal circumstances.

    Before making any decisions about your insurance or superannuation, consider speaking with a licensed financial planner who can provide tailored advice.

    🌿 Signature Reflection

    “Financial confidence doesn’t come from reacting quickly… it comes from understanding your options and choosing wisely.”

    📩 Have a Question?

    If you’d like your question answered in a future Start Here episode, you can send me a DM or email — completely confidential. canna@sugarmamma.tv

    superannuation insurance Australia, life insurance inside super, TPD insurance super, income protection insurance Australia, rising insurance premiums, superannuation strategy, financial planning Australia, reduce insurance premiums, self-insuring strategy, passive income and financial independence, how much insurance do I need Australia

    See omnystudio.com/listener for privacy information.
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    19 分
  • Rent vs Buy: The Wealth Manager's Strategy That Could Make You Wealthier?

    Rent vs Buy: The Wealth Manager's Strategy That Could Make You Wealthier?
    2026/05/31
    Hello and welcome back to SugarMamma’s Fireplay 🔥 This episode is one that may challenge everything you’ve been taught about money, property, and what it really means to build wealth. Because for many Australians, buying your home is seen as the ultimate financial milestone — a symbol of success, security, and stability. But what if that belief isn’t always the best financial move? In this episode, I sit down with Sydney-based wealth manager Mark Welsh, who has made the conscious decision to rent — despite having the financial capacity to buy property. Find Mark here: https://epgwealth.com.au/about-team/ Together, we explore: Whether home ownership is truly a wealth-building strategy… or a lifestyle choiceWhen renting and investing can outperform buyingThe concept of rentvesting and how it works in real lifeThe discipline required to make a rent-and-invest strategy successfulThe risks and realities of long-term rentingWho this strategy is best suited for (and who should avoid it)How to decide what’s right for your own financial journey This is not about saying one path is right or wrong. It’s about understanding your options, your behaviour, and your long-term goals — so you can make confident, informed decisions about your money. Whether you’re a homeowner, aspiring buyer, or currently renting, this conversation will give you a fresh perspective on what building wealth can actually look like. ⚠️ Important Disclaimer:This episode is general information only and does not take into account your personal financial situation, needs or objectives. Please seek professional advice before making financial decisions. 💡 Key Takeaway:Wealth is not built by following the crowd — it’s built by understanding your strategy and staying consistent. 🎧 Loved this episode?Make sure you’re following SugarMamma’s Fireplay and share it with someone who is currently navigating the rent vs buy decision. 💡 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. 📚 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@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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    32 分
  • START HERE: Should We Sell an Investment Property to Keep Our Home?

    START HERE: Should We Sell an Investment Property to Keep Our Home?
    2026/05/28
    With the rising cost of living placing pressure on households, many families are being forced to make incredibly difficult financial decisions. In this episode of Start Here, Canna responds to a listener who is considering selling an inherited investment property to relieve financial stress and stay afloat. This is a complex situation involving cashflow pressure, tax implications, lending structures, long-term wealth, and emotional considerations — particularly when the asset belongs to one partner. This episode unpacks the key things to understand before making a decision, and the conversations that need to happen to protect both short-term stability and long-term financial security. 🔑 KEY TOPICS COVERED The reality of cost of living pressure on Australian householdsWhen selling an asset can provide short-term financial reliefUnderstanding cashflow vs wealth buildingThe importance of seeking professional advice before sellingCapital gains tax implications on inherited propertyHow ownership history impacts tax obligationsWhy your lending structure and bank approval mattersThe risks of cross-collateralisationProtecting a partner’s financial independence and long-term wealthThe emotional weight of selling an inherited family assetThe importance of having a plan to replace lost assetsStrategies to rebuild wealth: Superannuation contributionsLong-term investingDebt recycling (under guidance) Exploring alternative options before sellingBalancing family goals vs financial sustainability ⚠️ IMPORTANT CONSIDERATIONS Selling an asset is often irreversibleTax obligations and selling expenses an significantly reduce net proceedsShort-term relief can create long-term financial gapsBoth partners must feel heard, respected, and protectedDecisions should be made with full financial clarity — not pressure 🧠 KEY LESSONS Cashflow problems require immediate attention, but not rushed decisionsAlways understand the true net outcome after tax and costsProtecting both partners’ financial futures is essentialWealth-building assets should not be sold without a clear replacement strategyFinancial decisions are rarely just about money — they involve values, emotions, and relationships ✅ NEXT STEPS Before making any decisions: Speak to an accountant→ Understand capital gains tax and net sale proceedsSpeak to your mortgage broker or lender→ Confirm loan structure and implications of sellingConsider speaking to a licensed financial planner→ Explore strategies to rebuild wealth and protect long-term goalsHave an open and honest conversation as a couple→ Align on short-term needs vs long-term vision 💬 QUOTABLE MOMENTS “Just because something solves a short-term problem doesn’t mean it’s the right long-term decision.”“Cashflow keeps you afloat — but assets build your future.”“The goal isn’t just to survive today, but to protect your tomorrow.”“Sometimes the hardest financial decisions aren’t about numbers — they’re about values and trade-offs.” 💡 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. 📚 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 & motivationInstagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhoodSubstack Quiet Wealth: https://substack.com/@sugarmammaquietwealthKeynote speaking book via canna@sugarmamma.tvTikTok:@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 ...
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    25 分
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