Welcome back to SugarMamma’s Fireplay, the podcast where we explore all things financial independence, early retirement, and long-term financial freedom, with honesty, empathy, and a touch of elegance.

Today, I’m so excited to be joined by Michelle, a self-employed mum of two, who, along with her husband, has been building a life of freedom, purpose and balance through the FIRE movement.

In this conversation, we unpack why women often approach FIRE differently than men and how that difference can actually be a powerful advantage. We’ll talk about lifestyle design, parenting with purpose, money in marriage, and how to build financial freedom with children in the picture, not in spite of them.

Whether you're starting from scratch or already on your way to FIRE, Michelle’s story is going to inspire you to think more intentionally about your own financial future and help you realise you absolutely can build a life of meaning, time freedom and wealth.

Additional notes kindly provided for further clarity and motivation by Michelle:

We are aiming to withdraw between $120,000-$140,000 per annum in the next two years from our portfolio so that we can move down to part-time, being 1-2 days a week of paid work. This consists only of dividends and the rent from one property we own.

The long-term goal is that we'd be able to access between $280,000-$320,000 per year in passive income when we finally down tools for good. We're now thinking that that will be by the time I'm 50 and will have to include passive income from all sources (rental income from all properties, super and dividends). The value of our investments is due to have compounded to a stage then that is factored into those calculations. Closer to, we will have to do more comprehensive tax planning.

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.

In this empowering episode of SugarMamma’s Fireplay, we meet Jessie a remarkable young woman who defied the odds and bought her first home in regional NSW without any financial help from family. Growing up in housing commission, Jessie knew she wanted to create a different life for herself and together with her partner, she saved $73,000 to make it happen.

We talk about the emotional and financial journey from poverty to property, the importance of mindset, and the practical strategies that got her there. Jessie proves that your past doesn’t define your future and that building wealth is possible, even when you start with nothing but determination.

✨ Whether you’re starting from scratch or doubting what’s possible, this is the episode to remind you that financial freedom is within reach.

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.

Start Here: I Lost My Super… What Do I Do Now?

💬 Podcast Description:
What happens when the unthinkable happens—your superannuation disappears? This episode is a response to a brave listener who recently discovered that her $130,000 superannuation balance had been reduced to just $13,000 overnight after the fund went into liquidation.

We unpack the emotional, legal, and financial chaos that comes with losing your super and how to rebuild when trust is shattered and the road ahead feels overwhelming.

In this episode, I guide you through:
🔹 What happens when a super fund collapses and ASIC gets involved
🔹 How to begin recovering from financial trauma
🔹 What to look for when choosing a new, trustworthy super fund
🔹 How to rebuild your retirement savings when you're in your 40s or 50s
🔹 Low-cost, accessible ways to find licensed and affordable financial advice
🔹 Why your mindset and next steps matter more than ever

This episode is for anyone who has experienced financial loss—whether through a bad investment, a scam, or a system failure—and needs a compassionate, practical path forward.

⚠️ If you've ever felt too scared, ashamed, or lost to take the next step with your finances, this episode will empower you to start again—with clarity and strength.

See omnystudio.com/listener for privacy information.

In this episode of SugarMamma’s Fireplay, I sit down with an incredible mum from NT, who shares her real, raw and deeply relatable journey to financial independence. From living and working remotely for nearly a decade, to buying an investment property without much research (because everyone said “that’s what you should do”) — her story is filled with lessons, honesty, and hope.

When she read The Barefoot Investor and The $1000 Project, everything changed. She and her husband created a plan, started investing small $2,000 parcels into ETFs and LICs, and took total control of their finances. Fast forward to 2024: they’re mortgage-free, investing in $10K parcels, and on track to reach Barista FIRE by 2030 — all while still living simply, joyfully, and intentionally.

She proves you don’t need to live a flashy life or earn a huge income to build wealth — just clarity, consistency, and purpose.

We cover:

• The turning point that transformed their financial future

• Selling an underperforming investment property and using the equity wisely

• Becoming completely mortgage-free by age 34

• How they built a $1.5 million net worth with a focus on ETFs

• What Barista FIRE looks like for their family

• Real-life budgeting habits they still use today — from $200 ‘fun money’ to skipping Uber Eats

• Why living below your means isn’t about deprivation — it’s about empowerment

This is an episode full of encouragement and proof that smart money moves, no matter how small, compound over time. It’s perfect for anyone feeling stuck, behind, or unsure of how to start.

💫 Connect with Me:
Instagram: @SugarMammaTV
TikTok: @SugarMamma
Website: www.SugarMamma.TV

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.

In this Start Here episode of SugarMamma’s Fireplay, Canna answers a listener’s powerful question: Is it really possible to achieve Financial Independence and Retire Early (FIRE) without owning property?
Whether you're renting by choice or circumstance, this episode will walk you through how to build long-term wealth and security using shares, superannuation, and smart money habits — no mortgage required.
Discover how to define financial freedom on your own terms, and why owning a home isn’t the only path to a confident, abundant future.

Here are my two books:

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq

Mindful Money: https://amzn.to/3RV0poc

Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr

Amazon affiliate links to my own books.

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.

Buying a property can be overwhelming, even if you have bought before. In this episode of SugarMamma's Fireplay, I break down some of the various options and support that may be available to you, if you want to buy a home of your own. Let me know if there is one option that you want me to break down in more detail?

Let me know what you think of this episode by reaching out to me @SugarMammaTV so that we can keep this conversation going.

Here are my two books:

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq

Mindful Money: https://amzn.to/3RV0poc

Motivated Money by Peter Thornhill: https://amzn.to/40rn2Vr

Amazon affiliate links to my own books.

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.

I feel like this question is so relatable. The analysis paralysis of what to do. Pay more into super or pay more off the home loan. Regardless of this interest free loan, this is such a common question and scenario that so many of us face at one stage of our lives. Hopefully this general information provided in this episode creates some clarity and direction.

To send your "Start Here" question in - simply DM me one Instagram. Your information will remain confidential. https://www.instagram.com/sugarmammatv/?hl=en

Here are my two books:

Best Seller: The $1000 Project Book: https://amzn.to/3RV0Bnq

Mindful Money: https://amzn.to/3RV0poc

Amazon affiliate links to my own books.

In the meantime...

HOW YOU CAN WORK WITH ME (& I CAN HELP YOU): (includes one-on-one appointment with me...)

If you need help with your budget or are sick of living paycheque to paycheque, you can enrol into The SugarMamma Budget & Cashflow Academy course, which includes a one on one appointment with me so that I can help you. Enrol here: https://courses.sugarmamma.tv/Signup

Also, if you want me as your Money Mindset & Manifestation coach, which includes ongoing access to my general help through motivation, clarity and support you can join below and put some game changing changes in your life!:

https://courses.sugarmamma.tv/join

Stay updated & inspired...

@SugarMammaTV – Money, budgeting, cashflow, motivation

@CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood

Tik Tok - https://www.tiktok.com/@sugarmammatv

My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma

www.SugarMammaTV.com

Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235

ADDITIONAL GENERAL ADVICE WARNING:

Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams.

GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS:

The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.

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.