START HERE: How to Use a Margin Loan WISELY: 7 Rules to Reduce Risk & Build Wealth

In this empowering episode of Start Here, Canna answers a question from Cat — an inspiring investor who’s built an $80,000 portfolio and $4,200 of annual passive income in just three years. Cat is now ready to explore margin lending but wants to understand the risks and how to manage them wisely.

Canna breaks down what a margin loan really is, why it can be risky, and seven proven strategies to reduce those risks — the same principles she uses in her own $1000 Project portfolio. You’ll learn how to set smart boundaries, protect your portfolio from volatility, and use leverage as a tool for long-term wealth creation rather than a ticking time bomb.

In this episode, you’ll learn:

• What a margin loan actually is — and why leverage magnifies both gains and losses.

• The safe way to manage your Loan-to-Value Ratio (LVR).

• How to stress-test your cashflow before borrowing.

• Why drawing down slowly and keeping an emergency buffer matters.

• How to use dividends and interest prepayment strategically.

• The power of diversification and long-term focus.

• When to seek professional advice and how to align margin lending with your financial goals.

Key Quote:

“A margin loan isn’t a shortcut — it’s an amplifier. It magnifies whatever discipline or impulsiveness you already have.”

Mentioned Resources:

• The $1000 Project by Canna Campbell

• Motivated Money by Peter Thornhill

• ASIC Moneysmart: Margin Lending Basics

• Your own superannuation or investment platform’s “risk profile” questionnaire

Disclaimer:
This podcast provides general advice only and does not take into account your personal financial situation, goals, or needs. Please seek independent financial advice before making investment decisions.

💬 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:SugarMamma.TV
• 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).

 

See omnystudio.com/listener for privacy information.