SugarMamma’s Fireplay START HERE: It’s Not Too Late! How to Rebuild Super & Pay Down Debt in Your 40s
This week, Canna answers a heartfelt message from a listener in her 40s who feels like she’s playing financial catch-up — balancing student debt, a mortgage, young kids, and a smaller super balance after years of maternity leave.
In this empowering episode, Canna shares practical steps to help anyone in their 40s get back on track — rebuilding super, paying off debt strategically, and setting clear financial freedom goals for the next decade.
Whether you’ve paused your career, withdrawn from super during COVID, or just feel like you started late, this episode will remind you that it’s never too late to build long-term wealth, confidence, and independence.
💡 What You’ll Learn:
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Why your 40s can be your financial power decade
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How to rebuild super strategically through salary sacrifice and catch-up contributions
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How to manage debt without losing motivation or momentum
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What to do once your student loans are gone — and how to redirect that cashflow for wealth creation
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Why family expenses are temporary, and how to use that future freed-up cash to accelerate goals
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How to create financial freedom goals based on passive income, not just balances
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How every decision now — every repayment, contribution, and review — compounds into long-term security
🧭 Key Takeaway:
You’re not behind — you’re building from experience.
Your 40s aren’t about starting over; they’re about using wisdom, focus, and compounding to create the secure and independent future you’ve always wanted.
⚖️ Compliance Note:
This episode provides general financial education only and does not constitute personal financial advice or product recommendations.
Please consider your own circumstances and seek personal advice from a licensed financial planner before making any financial decisions.
📲 Connect & Share:
If this episode gave you hope or direction, please share it with a friend in their 40s who might need to hear it.
Follow Canna on Instagram:
👉 @SugarMammaTV
👉 @CannaCampbellOfficial
Subscribe to SugarMamma’s Fireplay wherever you listen to your podcasts.
💬 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:
- 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 - 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.