START HERE - Which Financial Goal Should We Do First?

Start Here: Which Property Goal Should We Do First?
In this Start Here episode, Canna answers a powerful question from a couple in their late forties who are almost mortgage-free and dreaming of three exciting goals:

1️⃣ Building a granny flat to rent out
2️⃣ Buying a small apartment overseas
3️⃣ Purchasing a two-bedroom investment unit in Australia

With $30,000 remaining on their mortgage, full-time incomes, and $180k in super (but none for the husband), they want to know:
What’s the smartest order to pursue these goals, how can each one generate rental income, and how should they start saving?

This episode covers:

🔹 Why clarity, timelines and personal values matter
🔹 The importance of strengthening superannuation — especially when there’s a gap
🔹 Why international tax advice is essential before buying overseas
🔹 The pros and cons of:
 • A granny flat
 • An overseas lifestyle property
 • An Australian investment property
🔹 How to prioritise these goals strategically
🔹 Practical steps to save, prepare and build financial confidence
🔹 The power of becoming debt-free before expanding
🔹 How to “dress rehearse” future mortgage repayments
🔹 Why automation and emergency savings are non-negotiable

Canna also explains the sequencing that often works best for couples with similar goals — starting with the income-producing asset that strengthens your financial base and makes the later dreams possible.

This is a grounded, empowering conversation about building wealth intentionally, understanding the risks, and shaping a future that aligns with your values and timelines.

To send your "Start Here" question in, email canna directly canna@sugarmamma.tv

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 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:

1. The SugarMamma Budget & Cashflow Academy
   Sick 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
2. Money Mindset & Manifestation Coaching
   Join my program for ongoing support, clarity, and motivation. You’ll get direct access to me and a community of like-minded people ready to make powerful change.
   👉Join here

🌟 Stay Connected & Inspired

• Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
• Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
• TikTok:@SugarMammaTV
• YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
• Website:SugarMammaTV.com
• Don’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 WARNING 

The information in this episode is general in nature and does not take into account your personal financial situation, objectives or needs. Before acting on anything discussed, consider whether it is appropriate for you and seek personal advice from a licensed financial planner or accountant. All strategies discussed are for educational purposes only.

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