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SugarMamma’s Fireplay

SugarMamma’s Fireplay

By: 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 Economics Personal Finance
Episodes
  • How to Build a Better Share Portfolio (Beyond ETFs & LICs) with Roger Montgomery

    How to Build a Better Share Portfolio (Beyond ETFs & LICs) with Roger Montgomery
    Jun 28 2026
    How to Build a Better Share Portfolio (Beyond ETFs & LICs) Many Australians begin their investing journey through ETFs, LICs and superannuation — and rightly so, it is the easiest and fastest way to being your investing journey and start earning passive income via dividends. But eventually, many investors become curious about taking the next step:How do you actually identify a great business?What makes one company stronger than another?How do experienced investors determine value?And how do you build a stronger, more intentional share portfolio over time? In this episode of SugarMamma’s Fireplay, I sit down with one of Australia’s most respected value investors, Roger Montgomery, founder of Montgomery Investment Management and author of Value.able. Together, we break down investing in a way that is practical, beginner-friendly and empowering — helping everyday Australians better understand what makes a quality company, how successful investors think, and the habits that matter when building long-term wealth. IN THIS EPISODE WE DISCUSS: The key things to understand before investing in individual sharesHow experienced investors research companiesWhy share price and value are not the same thingHow to identify quality businessesWhat Return on Equity (ROE) means and why it mattersThe importance of management teams and capital allocationWhy Roger avoids airlines and certain industriesHow to practise patience and emotional discipline as an investorDividends vs growth: finding the right balanceThe habits that help build serious long-term wealthRoger’s most important investing advice for everyday Australians KEY TAKEAWAYS Successful investing is not about hype or quick winsGreat investing starts with understanding quality businessesPatience and discipline matter more than predictionLong-term wealth is built slowly and intentionallyEmotional control is one of the most important investing skillsGreat investors focus on value — not noise ABOUT ROGER MONTGOMERY Roger Montgomery is an Australian value investor, founder of Montgomery Investment Management and author of the investing book Value.able. Roger is widely recognised for helping everyday investors better understand how to identify quality businesses and think more intentionally about long-term investing and value. DISCLAIMER This podcast episode is general information only and does not take into account your personal financial situation, needs or objectives. Always do your own research and seek professional advice where appropriate before making financial decisions. 💡 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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    44 mins
  • START HERE: How To Get Your Kids (And Adult Children) Investing In Their Future - helping build financial independence

    START HERE: How To Get Your Kids (And Adult Children) Investing In Their Future - helping build financial independence
    Jun 25 2026
    Do you feel like you need to have your own finances “perfect” before you start investing for your children? You don’t. In this Start Here episode, Canna breaks down how you can begin building wealth for your kids — even if you’re still learning, growing and figuring things out yourself. Because waiting for the “perfect time” often means missing the most powerful advantage your children have: Time. In this episode, we cover: ✔ Why you don’t need to be financially perfect to get started✔ The power of starting small (and why consistency matters more)✔ How investing for your kids can actually strengthen your own financial habits✔ The emotional benefit of investing with your children, not just for them✔ How to introduce children to money, investing and long-term thinking✔ The role of compounding and why time in the market matters✔ How to think about structure (in simple terms, without overwhelm)✔ Why this is about building generational knowledge — not just wealth This episode is not about doing everything at once. It’s about:• starting where you are• using what you have• and building something meaningful over time Because one of the most powerful messages you can give a child is: “I believe in your future.” 💡 Key Takeaway You don’t need to be ahead to help someone else start. You just need to begin. 📚 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). ⚠️ General Advice Disclaimer This episode is general financial education only and does not take into account your personal circumstances. Before making any financial decisions, please seek advice from a licensed financial planner or qualified professional. 💬 Let’s Connect If this episode resonated with you: • Share it with a parent who wants to do better with money• DM me your questions for a future Start Here episode• Follow along at @SugarMamma and @CannaCampbellOfficial investing for kids Australiahow to invest for childrenteaching kids about moneystarting investing with kidsgenerational wealth Australiafinancial literacy for childrenbeginner investing Australiapassive income for families See omnystudio.com/listener for privacy information.
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    30 mins
  • 7 Ways To Relieve Mortgage Pressure Right Now - Home Loan Help

    7 Ways To Relieve Mortgage Pressure Right Now - Home Loan Help
    Jun 21 2026
    So many Australians feel financially exhausted right now. If you need help reviewing your mortgage, understanding your options or improving your cashflow structure, Adam can be contacted here: Adam.mccabe@bluelantern.com.au or 0423 685 133 Please know that I do not receive any benefit both upfront and ongoing if you work with Adam. I am grateful for his time and the value that he gives us and the peace of mind that I get knowing that if you do work with Adam, that you are in very capable hands. Back to the cost of living crisis and raising interest rates...most households have already: cut discretionary spendingcancelled subscriptionsreduced eating outdelayed holidaystried budgeting harder …but mortgage and rent pressure and cost of living stress still feel overwhelming. This episode is about: practical optionscreating breathing roomreducing stressunderstanding available toolsacting early rather than avoiding the issue Key message: “Sometimes the goal during a difficult season is not getting ahead financially overnight. Sometimes the goal is simply stabilising and protecting your home.” INTRODUCTION TALKING POINTS Mortgage stress is affecting many AustraliansEven financially responsible households are strugglingPeople often don’t realise there may be options availableToday’s episode = practical strategies, not panicAdam will explain: benefitsriskscostslong-term considerations Transition: “Adam, let’s walk through 7 ways Australians may be able to relieve some mortgage pressure right now.” 1. ASK YOUR BANK FOR A BETTER RATEDiscussion Points Many loyal customers are paying unnecessarily high ratesBanks often reserve sharper pricing for new customersSmall reductions can create meaningful monthly savingsPeople should regularly review their rate Example $750,000 mortgage: What does a 0.25% reduction potentially save monthly?What does it save yearly? Important Notes Ask politely but confidentlyMention competitor ratesUse a broker if needed Risks / Considerations Fixed loans may have break costsCheapest rate is not always the best loan structure 2. EXTEND YOUR LOAN TERM TO REDUCE REPAYMENTSDiscussion Points Extending from say 25 years back to 30 yearsReduces minimum repaymentsCreates short-term breathing room Key Message “This can be about survival and stability, not failure.” Risks / Costs More interest paid long termSlower debt reductionShould ideally be reviewed later when finances improve 3. REFINANCE YOUR MORTGAGEDiscussion Points Better ratesImproved cashflowBetter loan featuresDebt consolidation opportunities High Interest Debt Discussion Credit cardspersonal loansbuy now pay later debt Important Message “The earlier people act, the more options they generally have.” Risks / Considerations Extending short-term debt over 30 yearsFees and refinancing costsNeed discipline to avoid re-building debt 4. SPEAK TO YOUR BANK EARLY ABOUT FINANCIAL HARDSHIPDiscussion Points Many people avoid this conversation out of fear or shameBanks may offer temporary support optionsSupport is usually easier BEFORE repayments are missed Potential Options repayment pausesreduced repaymentstemporary interest onlyrestructuring Emotional Talking Point “Avoidance usually increases stress.” Important Reminder Seeking help early is smart and proactive 5. UTILISE OFFSET & REDRAW FACILITIES PROPERLYDiscussion Points Many people don’t fully understand offsetsSavings sitting in offset reduce interest chargedOffset = flexible emergency buffer Example $10,000 sitting in an offset against a $750,000 mortgage: how much interest may potentially be saved? Redraw Discussion difference between redraw vs offsetaccessibilitydiscipline Risks / Considerations Redraw rules can changeTax implications for future investment strategies (general mention only) 6. REVIEW REPAYMENT FREQUENCY & LOAN STRUCTUREDiscussion Points Weekly/fortnightly repayments can reduce interest fasterBUT may worsen cashflow stress for some households Important Nuance “The mathematically optimal strategy isn’t always the best strategy for your mental health or cashflow right now.” Discussion Areas Switching temporarily back to monthly repaymentsTiming cashflow with salary cyclesReviewing split loansSimplifying structure Risks / Considerations Monthly repayments may increase total long-term interest slightlyBut may improve immediate breathing room 7. CONSIDER TEMPORARY INTEREST-ONLY REPAYMENTSDiscussion Points Can significantly reduce repayments short termCreates breathing room during difficult periodsShould be strategic and temporary Important Framing “There is no shame in needing breathing room.” Risks / Costs Higher long-term interest costsSlower principal reductionNot suitable foreverLending criteria apply KEY THEMES TO REPEAT THROUGHOUT EPISODE Seek help earlyDon’t ignore the problemCashflow management mattersProtect your mental healthThere is no shame in adjusting strategy temporarilyEvery household situation is ...
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    26 mins
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