START HERE: Finding Hope When Debt Feels Impossible - Vicki’s Path to Financial Freedom

Oct 9, 2025

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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).

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