WEBVTT - Kickstart 2025: The Ultimate Financial Reset Challenge

0:00:00.040 --> 0:00:02.760
<v Speaker 1>Good morning, everyone, and welcome back to another episode of

0:00:02.800 --> 0:00:07.360
<v Speaker 1>Sugar Mama's Fireplay. I am your host financial planner, Canna Campbell,

0:00:07.720 --> 0:00:10.200
<v Speaker 1>and today I am well this morning, I am literally

0:00:10.240 --> 0:00:14.240
<v Speaker 1>bursting at the seams because I have something very exciting

0:00:14.400 --> 0:00:16.560
<v Speaker 1>to share with you that I know will make a

0:00:16.720 --> 0:00:20.560
<v Speaker 1>meaningful impact on your life. That is the Sugar Mama

0:00:20.800 --> 0:00:25.319
<v Speaker 1>ten Day Financial Reset Challenge. This is a challenge that

0:00:25.400 --> 0:00:28.360
<v Speaker 1>I started this time last year. In fact, I had

0:00:28.360 --> 0:00:31.640
<v Speaker 1>to do it from Hong Kong, and it is an amazing,

0:00:31.760 --> 0:00:34.840
<v Speaker 1>fun challenge which really takes us back to the basics

0:00:34.960 --> 0:00:37.599
<v Speaker 1>of what we want to achieve and why with our

0:00:37.640 --> 0:00:40.879
<v Speaker 1>financial goals and our financial journey. And this is the

0:00:40.960 --> 0:00:43.080
<v Speaker 1>perfect time to be doing this as most of us

0:00:43.240 --> 0:00:46.800
<v Speaker 1>are officially returning back to work for twenty twenty five.

0:00:47.000 --> 0:00:50.559
<v Speaker 1>The holiday season has sadly come to an end, and

0:00:50.600 --> 0:00:52.599
<v Speaker 1>we really need to make sure that we hit the

0:00:52.640 --> 0:00:57.320
<v Speaker 1>ground running with optimal levels of motivation, focus and clarity.

0:00:57.520 --> 0:01:01.240
<v Speaker 1>So this is your perfect chance, your perfect opportunity to

0:01:01.440 --> 0:01:04.800
<v Speaker 1>take small, simple steps towards building a greater sense of

0:01:04.840 --> 0:01:10.040
<v Speaker 1>financial clarity, financial confidence, and financial motivation for your journey

0:01:10.200 --> 0:01:14.759
<v Speaker 1>around money and financial wellbeing. It is the perfect way

0:01:15.120 --> 0:01:18.800
<v Speaker 1>to hit reset and refresh your perspective and launch into

0:01:18.800 --> 0:01:24.080
<v Speaker 1>twenty twenty five feeling strong, feeling powerful and being in control.

0:01:24.400 --> 0:01:29.000
<v Speaker 1>And the best part, it is completely free. It takes

0:01:29.040 --> 0:01:31.520
<v Speaker 1>just a few minutes each day, and it is designed

0:01:31.560 --> 0:01:37.120
<v Speaker 1>to be fun and achievable for absolutely everyone, whether you

0:01:37.240 --> 0:01:41.319
<v Speaker 1>are new to fixing your finances and you're feeling completely

0:01:41.319 --> 0:01:44.520
<v Speaker 1>overwhelmed and not sure as to where to start, or

0:01:44.520 --> 0:01:50.480
<v Speaker 1>whether you're a seasoned financial expert. This is for absolutely everyone,

0:01:50.560 --> 0:01:53.520
<v Speaker 1>regardless of where you are starting financially, and it is

0:01:53.560 --> 0:01:55.840
<v Speaker 1>an absolute honor to be able to do this with you.

0:01:56.080 --> 0:01:59.200
<v Speaker 1>And if you're wondering, I am actually doing this with you, yes,

0:01:59.240 --> 0:02:01.880
<v Speaker 1>I will be doing all the tasks, all the exercises

0:02:01.960 --> 0:02:05.560
<v Speaker 1>each day, so we're literally doing this together as a

0:02:05.600 --> 0:02:08.399
<v Speaker 1>power couple, you could say. Now, as I mentioned, this

0:02:08.480 --> 0:02:11.240
<v Speaker 1>is free and it is quick and easy to access,

0:02:11.280 --> 0:02:14.560
<v Speaker 1>there's only two conditions you need to follow. That is

0:02:14.639 --> 0:02:18.480
<v Speaker 1>number one, you are following me on Instagram at sugar

0:02:18.480 --> 0:02:20.239
<v Speaker 1>Mama TV, because this is where I'm going to be

0:02:20.240 --> 0:02:24.440
<v Speaker 1>sharing all the tasks and exercises each morning at around

0:02:24.480 --> 0:02:28.440
<v Speaker 1>about seven a m. I also recommend if you're on

0:02:28.520 --> 0:02:30.919
<v Speaker 1>the TikTok platform to make sure you're following me there

0:02:30.960 --> 0:02:33.760
<v Speaker 1>because I'll be going through the same task and exercise

0:02:33.800 --> 0:02:36.680
<v Speaker 1>but in more details. So if you love the exercise,

0:02:36.720 --> 0:02:39.040
<v Speaker 1>you want to know more, want to go deeper, make

0:02:39.080 --> 0:02:42.080
<v Speaker 1>sure you're following me on TikTok Sugar Mama, because you

0:02:42.080 --> 0:02:45.920
<v Speaker 1>can actually get more information from that particular platform. And

0:02:46.000 --> 0:02:49.400
<v Speaker 1>of course make sure you save and share every single

0:02:49.560 --> 0:02:52.920
<v Speaker 1>post and task that you do. Comment, share your feedback,

0:02:53.000 --> 0:02:55.760
<v Speaker 1>share your insights, your discoveries, how you feel after you've

0:02:55.800 --> 0:02:58.560
<v Speaker 1>done that task, and of course please taggle your friends

0:02:58.560 --> 0:03:01.000
<v Speaker 1>as you're doing this, because we can create a huge

0:03:01.080 --> 0:03:05.720
<v Speaker 1>wave of serious financial empowerment and really raise the benchmark

0:03:06.040 --> 0:03:10.040
<v Speaker 1>of financial literacy, not just in Australia but around the world.

0:03:10.240 --> 0:03:12.280
<v Speaker 1>All Right, So in today's episode, it's a short but

0:03:12.400 --> 0:03:14.840
<v Speaker 1>sweet one, but I've explained to you why this challenge

0:03:15.200 --> 0:03:17.400
<v Speaker 1>matters to you, why you need to be doing it,

0:03:17.480 --> 0:03:19.240
<v Speaker 1>and what you're going to gain from it. I'm going

0:03:19.240 --> 0:03:21.880
<v Speaker 1>to break down how the Sugar Mama ten day Financial

0:03:21.919 --> 0:03:24.880
<v Speaker 1>Reset Challenge works so that you can mentally prepare for

0:03:24.919 --> 0:03:27.680
<v Speaker 1>each topic that we're going to be covering each day.

0:03:28.000 --> 0:03:29.520
<v Speaker 1>And then of course I'll explain to you in more

0:03:29.600 --> 0:03:31.440
<v Speaker 1>detail as to how you can access all of this

0:03:31.520 --> 0:03:33.720
<v Speaker 1>information and if you get stuck, how to actually get

0:03:33.760 --> 0:03:37.040
<v Speaker 1>in contact with me and ask those questions. So there's

0:03:37.120 --> 0:03:39.320
<v Speaker 1>a lot to be covered in this particular episode if

0:03:39.320 --> 0:03:42.480
<v Speaker 1>you're really excited about embracing this challenge, and of course

0:03:42.520 --> 0:03:44.800
<v Speaker 1>I'll also share with you in this episode if you

0:03:45.040 --> 0:03:48.680
<v Speaker 1>miss a day, how to quickly and easily catch up.

0:03:48.920 --> 0:03:52.680
<v Speaker 1>All right, everyone, let's begin breaking down the Sugar Mama

0:03:52.840 --> 0:03:56.120
<v Speaker 1>ten day Reset Challenge. All right, So to start off,

0:03:56.160 --> 0:03:58.280
<v Speaker 1>I'm going to walk you through what each day of

0:03:58.360 --> 0:04:01.720
<v Speaker 1>the challenge actually looks like and why it matters to you.

0:04:02.400 --> 0:04:04.680
<v Speaker 1>So day one, we're going to be really focusing on

0:04:04.960 --> 0:04:07.280
<v Speaker 1>your why, and we're going to give you some really

0:04:07.280 --> 0:04:10.000
<v Speaker 1>simple tasks for you to do that don't cost anything

0:04:10.000 --> 0:04:13.480
<v Speaker 1>and literally take a couple of minutes. This is a

0:04:13.600 --> 0:04:16.840
<v Speaker 1>really important part and probably the most important one to

0:04:16.920 --> 0:04:20.000
<v Speaker 1>kickstart this because when it comes to working on our

0:04:20.000 --> 0:04:22.920
<v Speaker 1>financial world being, or actually any goal, hadn't said that

0:04:23.640 --> 0:04:26.640
<v Speaker 1>you need to understand what it is why you were

0:04:26.680 --> 0:04:29.280
<v Speaker 1>working on this. Quite often when I ask people, why

0:04:29.279 --> 0:04:31.080
<v Speaker 1>are you working on your financial world being? Why are

0:04:31.080 --> 0:04:33.880
<v Speaker 1>you working on these financial goals. They answer this sort

0:04:33.920 --> 0:04:36.839
<v Speaker 1>of surface level answer which has no depth or meaning

0:04:36.960 --> 0:04:39.800
<v Speaker 1>to it. There's nothing necessarily wrong with that, but if

0:04:39.839 --> 0:04:42.159
<v Speaker 1>you want to make sure that you have longevity with

0:04:42.200 --> 0:04:46.120
<v Speaker 1>your financial journey, it's you remain committed and connected to

0:04:46.320 --> 0:04:48.960
<v Speaker 1>that path. You need to have a really deep understanding

0:04:49.040 --> 0:04:52.360
<v Speaker 1>as to what your why is all about. And this

0:04:52.440 --> 0:04:56.200
<v Speaker 1>is about going deep understanding, because when you connect with

0:04:56.240 --> 0:04:59.800
<v Speaker 1>your why, it is just like this absolute fuel of

0:05:00.279 --> 0:05:03.000
<v Speaker 1>that burns within you so that you keep going and

0:05:03.040 --> 0:05:05.480
<v Speaker 1>you have a far greater sense of resilience and you're

0:05:05.560 --> 0:05:08.800
<v Speaker 1>far less likely to be distracted. So I'll give you

0:05:08.839 --> 0:05:12.359
<v Speaker 1>some exercises to help you really discover your own why.

0:05:12.720 --> 0:05:14.440
<v Speaker 1>And of course I'm going to make sure you write

0:05:14.560 --> 0:05:17.160
<v Speaker 1>absolutely everything down so you want to might want to

0:05:17.160 --> 0:05:19.240
<v Speaker 1>pop out to the shops or grab a piece of

0:05:19.240 --> 0:05:23.480
<v Speaker 1>paper pattern pen to have ready every morning at seven am.

0:05:23.520 --> 0:05:25.200
<v Speaker 1>But we could say that day one is all about

0:05:25.200 --> 0:05:28.920
<v Speaker 1>finding your anchor, your compass, and your ultimate source of

0:05:29.080 --> 0:05:32.560
<v Speaker 1>financial power, all right, Day two, So Day two is

0:05:32.560 --> 0:05:36.240
<v Speaker 1>about doing a stop take of your finances. It's about

0:05:36.279 --> 0:05:40.200
<v Speaker 1>being really honest. And this exercise may be particularly uncomfortable

0:05:40.240 --> 0:05:42.040
<v Speaker 1>for some who just have been sort of burying the

0:05:42.120 --> 0:05:44.520
<v Speaker 1>head in the sand. This is the perfect task for you,

0:05:44.560 --> 0:05:46.560
<v Speaker 1>and I promise you you're going to feel so much

0:05:46.560 --> 0:05:48.960
<v Speaker 1>better once you've done this. But it's about looking at

0:05:49.000 --> 0:05:51.520
<v Speaker 1>where you stand financially, looking at the savings, the debts,

0:05:51.520 --> 0:05:54.560
<v Speaker 1>the superannuation and of course what insurance policies you may

0:05:54.640 --> 0:05:57.679
<v Speaker 1>have in place. Now. The reason why this particular task

0:05:57.760 --> 0:06:01.520
<v Speaker 1>is so incredibly important is you can't what you don't measure,

0:06:01.960 --> 0:06:06.240
<v Speaker 1>So this is really about gaining that essential clarity and

0:06:06.320 --> 0:06:09.200
<v Speaker 1>control in knowing exactly where you stand so you can

0:06:09.200 --> 0:06:12.360
<v Speaker 1>start making informed decisions and can actually see how and

0:06:12.400 --> 0:06:16.000
<v Speaker 1>where you're improving. This is something that a financial plan

0:06:16.120 --> 0:06:19.120
<v Speaker 1>will do at the very start of doing a financial

0:06:19.160 --> 0:06:21.960
<v Speaker 1>plan for you, so you're almost you know, creating your

0:06:22.000 --> 0:06:25.600
<v Speaker 1>own financial plan for yourself. Now, on that note of clarity,

0:06:25.640 --> 0:06:29.080
<v Speaker 1>a quick shout out to my friend and colleague Adam

0:06:29.120 --> 0:06:33.160
<v Speaker 1>McCabe from Blue Lantern. He's actually also running a similar

0:06:33.279 --> 0:06:37.359
<v Speaker 1>financial challenge, but this is purely focused around mortgages. So

0:06:37.400 --> 0:06:40.240
<v Speaker 1>if you're someone who has a mortgage or has a

0:06:40.279 --> 0:06:42.479
<v Speaker 1>goal to pay off their mortgage, make sure you go

0:06:42.520 --> 0:06:45.760
<v Speaker 1>and check out Adam's Instagram account because he's sharing his challenge,

0:06:45.760 --> 0:06:48.560
<v Speaker 1>which actually only goes for seven days. And if you're wondering,

0:06:48.600 --> 0:06:51.360
<v Speaker 1>is this a duplicate of challenges, Nope, I've actually had

0:06:51.360 --> 0:06:53.839
<v Speaker 1>a look at what Adam's challenge actually involves with his

0:06:54.480 --> 0:06:57.719
<v Speaker 1>kind generosity, and is actually a brilliant combination. So you

0:06:57.720 --> 0:07:00.760
<v Speaker 1>can literally do the Sugar Momma ten day Financial Reset challenge,

0:07:00.800 --> 0:07:05.200
<v Speaker 1>and of course you can do Adam's seven day mortgage challenge.

0:07:05.720 --> 0:07:08.440
<v Speaker 1>So again just to recap, Day two is about taking

0:07:08.600 --> 0:07:11.600
<v Speaker 1>stock take of your finances, which yes, of course can

0:07:11.640 --> 0:07:15.080
<v Speaker 1>include your mortgage. Day three, so day three is about

0:07:15.120 --> 0:07:19.960
<v Speaker 1>setting financial goals. I am a goal addict. I am

0:07:20.000 --> 0:07:22.200
<v Speaker 1>completely obsessed with goals. If I don't have a goal

0:07:22.240 --> 0:07:24.200
<v Speaker 1>in my life, I just feel out of whack. I

0:07:24.280 --> 0:07:29.040
<v Speaker 1>lose my sense of balance, I get distracted, I waste precious,

0:07:29.160 --> 0:07:32.600
<v Speaker 1>valuable time, and I can come. I guess I could

0:07:32.680 --> 0:07:34.680
<v Speaker 1>say I have an element of self destruction there. So

0:07:34.880 --> 0:07:39.160
<v Speaker 1>this is about setting meaningful goals for ourselves, and meaningful

0:07:39.160 --> 0:07:42.400
<v Speaker 1>goals with deadlines. And I promised to you I'm not

0:07:42.400 --> 0:07:45.400
<v Speaker 1>going to talk about that generic smart goal strategy. Yes

0:07:45.440 --> 0:07:47.720
<v Speaker 1>it is very valuable and very helpful, but I'm going

0:07:47.760 --> 0:07:50.080
<v Speaker 1>to go deeper with you when it comes to setting goals,

0:07:50.080 --> 0:07:52.680
<v Speaker 1>and again we will pick up on our why in

0:07:52.800 --> 0:07:55.920
<v Speaker 1>setting those goals so that you really do have a

0:07:56.040 --> 0:08:00.480
<v Speaker 1>proper roadmap for your financial journey. And remember, a goal

0:08:00.520 --> 0:08:03.320
<v Speaker 1>without a plan is just simply a wish. So it's

0:08:03.360 --> 0:08:06.720
<v Speaker 1>about taking your whys, understanding about where you stand and

0:08:06.760 --> 0:08:09.200
<v Speaker 1>then building some goals as to where you want to

0:08:09.320 --> 0:08:11.880
<v Speaker 1>land by the end of twenty twenty five. And we

0:08:12.320 --> 0:08:15.040
<v Speaker 1>really are hitting the ground running for twenty twenty five,

0:08:15.120 --> 0:08:17.560
<v Speaker 1>so that is day three. What will be covering Day

0:08:17.600 --> 0:08:20.920
<v Speaker 1>four is about actually refining those goals, so taking those

0:08:20.960 --> 0:08:24.200
<v Speaker 1>goals to a next level. Often when I'm writing my goals,

0:08:24.560 --> 0:08:26.760
<v Speaker 1>I write them down and I think, yep, that's done.

0:08:26.960 --> 0:08:29.600
<v Speaker 1>But it's not until I come back, typically about twenty

0:08:29.640 --> 0:08:32.920
<v Speaker 1>four hours later, and I reread those goals. I actually

0:08:32.920 --> 0:08:37.319
<v Speaker 1>find I'm able to add some important ingredients to those

0:08:37.320 --> 0:08:41.160
<v Speaker 1>goals a go deeper. I add some keywords to those goals.

0:08:41.559 --> 0:08:44.360
<v Speaker 1>I change the tents of these goals. I change them

0:08:44.360 --> 0:08:49.319
<v Speaker 1>to the present moment, which really kickstarts my sense of

0:08:49.440 --> 0:08:52.800
<v Speaker 1>empowerment and motivation, and it means that the wheels are

0:08:52.920 --> 0:08:55.920
<v Speaker 1>in motion rather than constantly telling myself I'm going to

0:08:55.880 --> 0:08:57.480
<v Speaker 1>do this. I'm going to do this, I flick it

0:08:57.520 --> 0:09:01.160
<v Speaker 1>to I am doing this, which then organically comes out

0:09:01.200 --> 0:09:04.960
<v Speaker 1>in my actions every single day without really trying. So

0:09:05.200 --> 0:09:08.520
<v Speaker 1>really about going deeper and deeper, deeper as possible, deeper

0:09:08.559 --> 0:09:12.720
<v Speaker 1>as we could possibly go, and redefining our goals and

0:09:12.800 --> 0:09:15.760
<v Speaker 1>really reflecting as to what is important to us, what

0:09:15.960 --> 0:09:19.200
<v Speaker 1>is actually a priority, what is a non negotiable and

0:09:19.320 --> 0:09:22.280
<v Speaker 1>essential and something that we may have accidentally put on

0:09:22.320 --> 0:09:24.559
<v Speaker 1>our list of goals that actually isn't really that important

0:09:24.600 --> 0:09:27.080
<v Speaker 1>and doesn't really float our boat. We can get rid

0:09:27.120 --> 0:09:29.760
<v Speaker 1>of those fluffy, flaky goals and just really hone in

0:09:30.040 --> 0:09:32.199
<v Speaker 1>as to what is really important, what we really want

0:09:32.240 --> 0:09:34.880
<v Speaker 1>to achieve for this particular year, so that and we

0:09:34.920 --> 0:09:37.760
<v Speaker 1>have this crystal clear sense of commitment in our lives.

0:09:38.559 --> 0:09:42.880
<v Speaker 1>Day five is then focused purely around superannuation. So we're

0:09:42.880 --> 0:09:46.120
<v Speaker 1>going to be looking at where is our superannuation, how

0:09:46.240 --> 0:09:49.240
<v Speaker 1>is it invested? Is the right type of investment for us?

0:09:49.320 --> 0:09:51.640
<v Speaker 1>And our goals? Now that we have those really clear

0:09:52.280 --> 0:09:56.280
<v Speaker 1>and really getting down and dirty with how much we

0:09:56.320 --> 0:09:58.760
<v Speaker 1>really need for retirement, you know, I'm going to be

0:09:58.760 --> 0:10:01.640
<v Speaker 1>giving you some formulas and colors, some numbers to really

0:10:01.800 --> 0:10:04.640
<v Speaker 1>think about as to how much money we need in super,

0:10:05.120 --> 0:10:08.600
<v Speaker 1>so that you stop following what the averages are out there,

0:10:08.600 --> 0:10:11.679
<v Speaker 1>because in my mind and my not just my personal mind,

0:10:11.720 --> 0:10:14.080
<v Speaker 1>but in my professional mind, the averages of what the

0:10:14.280 --> 0:10:17.560
<v Speaker 1>average Australian has in their superannuation is far too low.

0:10:17.600 --> 0:10:19.480
<v Speaker 1>So I really want to stop people thinking, well, the

0:10:19.480 --> 0:10:21.560
<v Speaker 1>average person's got two hundred thousand super. I've got one

0:10:21.600 --> 0:10:24.080
<v Speaker 1>hundred and ninety two thousand SUPER. I'm fine, No you're not.

0:10:24.120 --> 0:10:26.719
<v Speaker 1>It doesn't actually work like that. You need to think

0:10:26.760 --> 0:10:29.960
<v Speaker 1>about what you want on your terms and build up

0:10:29.960 --> 0:10:32.440
<v Speaker 1>towards that number. And as you know from listening to

0:10:32.480 --> 0:10:36.360
<v Speaker 1>this podcast, channel, superannuation is one of your most powerful

0:10:36.400 --> 0:10:41.320
<v Speaker 1>tools for long term wealth. So awareness now can make

0:10:41.480 --> 0:10:44.120
<v Speaker 1>all the difference for your future. Trust me on that

0:10:44.640 --> 0:10:47.360
<v Speaker 1>Day six is going to be a continuation of Superannuation,

0:10:47.440 --> 0:10:49.320
<v Speaker 1>and of course, yes, I promise you will be touching

0:10:49.320 --> 0:10:52.880
<v Speaker 1>on budgeting and cash flow because they do work in unison.

0:10:53.000 --> 0:10:55.720
<v Speaker 1>We're getting more money into your superannuation and of course

0:10:55.800 --> 0:10:59.120
<v Speaker 1>achieving all of those goals. Day eight we're going to

0:10:59.160 --> 0:11:02.840
<v Speaker 1>be talking about investing, talking about the various different types

0:11:02.880 --> 0:11:06.280
<v Speaker 1>of investments, but I really will be touching on shares

0:11:06.400 --> 0:11:08.720
<v Speaker 1>because that's an area that I'm so passionate about, in

0:11:08.760 --> 0:11:12.320
<v Speaker 1>particular Australian industrial shares. As you may know, I'm a

0:11:12.400 --> 0:11:15.800
<v Speaker 1>huge fan of Peter Thornhill and his investment philosophy, which

0:11:15.840 --> 0:11:18.480
<v Speaker 1>is one of the key strategies of my own financial

0:11:18.520 --> 0:11:21.480
<v Speaker 1>game plan. We're going to be talking about building passive

0:11:21.480 --> 0:11:24.719
<v Speaker 1>income long term, growing passive income, and you'll see from

0:11:24.720 --> 0:11:27.280
<v Speaker 1>listening to this particular challenge and following and doing the

0:11:27.320 --> 0:11:32.880
<v Speaker 1>tasks that investing is key to financial independence, not just savings, guys,

0:11:33.280 --> 0:11:35.840
<v Speaker 1>investing and this task that I'm going to give you

0:11:35.960 --> 0:11:38.960
<v Speaker 1>helps you see the actual potential of passive income in

0:11:39.000 --> 0:11:43.000
<v Speaker 1>your life. Particularly when you receive your first passive income

0:11:43.120 --> 0:11:46.000
<v Speaker 1>check or deposit, the penny's going to drop and you'll

0:11:46.000 --> 0:11:49.360
<v Speaker 1>see how this actually fits into your bigger financial picture.

0:11:49.600 --> 0:11:52.320
<v Speaker 1>Day nine, we're going to be focusing on insurance. Not

0:11:52.360 --> 0:11:55.400
<v Speaker 1>just general insurance like your home and contents insurance, but

0:11:55.920 --> 0:12:00.559
<v Speaker 1>talking about personal insurance. What happens if you work due

0:12:00.559 --> 0:12:02.080
<v Speaker 1>to a medical reason. Who's going to pay the rent,

0:12:02.120 --> 0:12:03.679
<v Speaker 1>who's going to pay the mortgagees you're going to put

0:12:03.679 --> 0:12:06.160
<v Speaker 1>food on the table. This is why things like income

0:12:06.160 --> 0:12:08.679
<v Speaker 1>protection are really important to have in your life, and

0:12:08.800 --> 0:12:11.280
<v Speaker 1>you've got to be considering as to whether they are

0:12:11.400 --> 0:12:13.080
<v Speaker 1>right for you. And I when I say if they're

0:12:13.160 --> 0:12:15.920
<v Speaker 1>right for you, I'd say about ninety percent of Australian's

0:12:15.920 --> 0:12:20.120
<v Speaker 1>need income protection. Unless you are you know, swimming in cash,

0:12:20.200 --> 0:12:23.040
<v Speaker 1>have absolutely no debt, and you know an excessive amount

0:12:23.080 --> 0:12:26.520
<v Speaker 1>of passive income that exceeds your living expenses, it is

0:12:26.600 --> 0:12:29.719
<v Speaker 1>highly likely that you need income protection. So not only

0:12:29.720 --> 0:12:31.520
<v Speaker 1>are we going to be looking at if you're needing

0:12:31.840 --> 0:12:34.679
<v Speaker 1>protection or not, be looking at making sure helping make

0:12:34.720 --> 0:12:37.439
<v Speaker 1>sure that you have the right type of income protection

0:12:37.559 --> 0:12:39.240
<v Speaker 1>in your life. And it won't be just income protection.

0:12:39.280 --> 0:12:42.600
<v Speaker 1>We'll be talking about life cover, tipity cover and trauma

0:12:42.679 --> 0:12:46.360
<v Speaker 1>cover as well. And then Day ten. Day ten is

0:12:46.400 --> 0:12:50.440
<v Speaker 1>about reflecting and planning ahead. I don't want this to

0:12:50.520 --> 0:12:53.319
<v Speaker 1>be a ten day challenge that you do tick off

0:12:53.640 --> 0:12:55.840
<v Speaker 1>and then just go back to your normal day every life.

0:12:56.280 --> 0:12:59.440
<v Speaker 1>I want this ten day challenge to have a profound

0:12:59.520 --> 0:13:01.920
<v Speaker 1>impact in your life. I want it to be the catalyst,

0:13:02.400 --> 0:13:05.360
<v Speaker 1>the breakthrough, the shift in your life where you actually

0:13:05.400 --> 0:13:09.120
<v Speaker 1>realize how powerful you are, how capable you are to

0:13:09.200 --> 0:13:12.720
<v Speaker 1>make powerful positive improve moods in your life. With money

0:13:13.080 --> 0:13:16.520
<v Speaker 1>and with growing financial freedom and harmony in your life.

0:13:16.600 --> 0:13:19.319
<v Speaker 1>So this is where we're going to be investing time, reflecting,

0:13:19.800 --> 0:13:22.720
<v Speaker 1>looking at what you've just achieved for yourself, looking at

0:13:22.760 --> 0:13:24.720
<v Speaker 1>what you want to build upon, what you want to

0:13:24.760 --> 0:13:28.760
<v Speaker 1>continue on, including incorporating into your days, into your life

0:13:28.800 --> 0:13:32.640
<v Speaker 1>going forward throughout twenty twenty five. It's about staying on track,

0:13:32.720 --> 0:13:35.680
<v Speaker 1>it's about staying in control, and of course continuing to

0:13:35.760 --> 0:13:40.760
<v Speaker 1>make yourself accountable. Reflecting really solidifies your progress and it

0:13:40.800 --> 0:13:45.640
<v Speaker 1>helps turn these insights into lifelong habits. So that is

0:13:45.720 --> 0:13:49.280
<v Speaker 1>what the ten Day Sugar Mamma Challenge in a nutshell,

0:13:49.800 --> 0:13:51.600
<v Speaker 1>as I mentioned, I'm going to be doing this with

0:13:51.679 --> 0:13:53.720
<v Speaker 1>you and not sitting here on my high horse giving

0:13:53.720 --> 0:13:56.120
<v Speaker 1>you instructions. I'm actually getting down and dirty with you

0:13:56.160 --> 0:13:59.280
<v Speaker 1>and facing the reality of my own financial situation and

0:13:59.320 --> 0:14:02.040
<v Speaker 1>looking at what I can do myself but Tom and

0:14:02.080 --> 0:14:05.280
<v Speaker 1>I within my family to improve our financial wellbeing and

0:14:05.320 --> 0:14:09.240
<v Speaker 1>continue on going from strength to strength. At all times,

0:14:09.559 --> 0:14:13.800
<v Speaker 1>I'm here to help you. So if you have any

0:14:13.880 --> 0:14:19.000
<v Speaker 1>questions about this particular challenge, the task, the exercises, what

0:14:19.160 --> 0:14:22.160
<v Speaker 1>you are discovering about yourself, I'm going to ask that

0:14:22.240 --> 0:14:27.320
<v Speaker 1>you please put your question in the Instagram reel that

0:14:27.440 --> 0:14:32.240
<v Speaker 1>I share each morning at seven am. How to explain this?

0:14:32.520 --> 0:14:36.520
<v Speaker 1>So basically, my Instagram account has been inundated with porn,

0:14:36.880 --> 0:14:39.680
<v Speaker 1>which is horrible. So if you send me a DM,

0:14:39.760 --> 0:14:42.520
<v Speaker 1>it is highly likely that your DM will get lost

0:14:43.040 --> 0:14:47.600
<v Speaker 1>in the really inappropriate content that I somehow cannot block

0:14:47.720 --> 0:14:50.840
<v Speaker 1>in my life. Right now, now, by you putting your

0:14:50.920 --> 0:14:55.800
<v Speaker 1>question in the reel as a comment, I will then

0:14:56.080 --> 0:14:58.600
<v Speaker 1>see it and I can then send you a DM.

0:14:58.960 --> 0:15:01.480
<v Speaker 1>Of course, you do not to go and share confidential,

0:15:01.520 --> 0:15:04.120
<v Speaker 1>private information. That's not what about For me to actually

0:15:04.120 --> 0:15:06.720
<v Speaker 1>see your question, I need to see it as a comment.

0:15:07.360 --> 0:15:09.440
<v Speaker 1>And one other thing I would love to love for

0:15:09.480 --> 0:15:12.520
<v Speaker 1>you guys to do is get your friends, your family.

0:15:12.880 --> 0:15:15.360
<v Speaker 1>If you have a partner or a husband, or someone

0:15:15.480 --> 0:15:17.360
<v Speaker 1>you really love that you think would benefit from doing

0:15:17.360 --> 0:15:19.760
<v Speaker 1>this ten day challenge, tag them in all of the

0:15:19.800 --> 0:15:22.920
<v Speaker 1>reels so that they can be a part of this. Now,

0:15:22.960 --> 0:15:24.640
<v Speaker 1>for anyone who's got a bit of a busy week

0:15:24.640 --> 0:15:27.200
<v Speaker 1>ahead as they most of us return back to work,

0:15:27.560 --> 0:15:29.640
<v Speaker 1>please know that if you miss a day, it is

0:15:29.720 --> 0:15:32.680
<v Speaker 1>not disastrous. You can very easily catch up because whilst

0:15:32.720 --> 0:15:36.040
<v Speaker 1>I'll be sharing the instructions as a story. The instructions

0:15:36.080 --> 0:15:40.200
<v Speaker 1>will also be saved as a reel on the Sugar

0:15:40.240 --> 0:15:44.920
<v Speaker 1>Mama Instagram account grid. So for example, so you miss

0:15:44.960 --> 0:15:47.640
<v Speaker 1>Thursday and Friday, that's okay, you can use the weekend

0:15:47.720 --> 0:15:51.200
<v Speaker 1>to catch up. You will have all the constructions to

0:15:51.360 --> 0:15:55.400
<v Speaker 1>follow clearly saved and again to remind you, if you

0:15:55.440 --> 0:15:58.120
<v Speaker 1>have questions, put them as a comment in the reel.

0:15:58.200 --> 0:15:59.840
<v Speaker 1>Please don't send me a DM because I will miss

0:15:59.880 --> 0:16:03.480
<v Speaker 1>it amongst all the prolific information that I've been sent

0:16:03.720 --> 0:16:07.880
<v Speaker 1>by spam unfortunately. So I am incredibly excited about this challenge,

0:16:07.920 --> 0:16:10.280
<v Speaker 1>and of course don't forget to go and follow Adam

0:16:10.320 --> 0:16:12.200
<v Speaker 1>McKay from Blue Lantern if you have a mortgage and

0:16:12.240 --> 0:16:14.760
<v Speaker 1>you want to also tackle your mortgage wells also doing

0:16:14.800 --> 0:16:18.440
<v Speaker 1>this reset challenge. It is so exciting to do this.

0:16:18.600 --> 0:16:21.760
<v Speaker 1>I am. I've been building up all weekend. I actually

0:16:21.760 --> 0:16:25.760
<v Speaker 1>got quite sick last week and I prioritize getting to sleep,

0:16:25.840 --> 0:16:29.320
<v Speaker 1>letting my body rest, quitting all those gym workouts that

0:16:29.360 --> 0:16:31.280
<v Speaker 1>I have planned so I could ensure that I am

0:16:31.360 --> 0:16:33.920
<v Speaker 1>launching this morning on a pole of a positive healthy

0:16:34.000 --> 0:16:37.960
<v Speaker 1>fit note with a huge sense of clarity, motivation that's

0:16:38.000 --> 0:16:40.920
<v Speaker 1>going to hopefully support you and benefit you for the

0:16:41.040 --> 0:16:44.240
<v Speaker 1>next ten days as we work together. So thank you

0:16:44.400 --> 0:16:47.280
<v Speaker 1>everybody for listening to this morning's episode. I have linked

0:16:47.280 --> 0:16:50.200
<v Speaker 1>my Instagram account. I have also linked my TikTok account.

0:16:50.240 --> 0:16:52.520
<v Speaker 1>I've got on linked Adam's account as well, because that's

0:16:52.560 --> 0:16:54.240
<v Speaker 1>a great resource as well, even if you're not doing

0:16:54.280 --> 0:16:56.440
<v Speaker 1>this particular challenge, if you're interested in getting out a

0:16:56.440 --> 0:16:58.920
<v Speaker 1>loan or debt, recycling and so forth, and again a

0:16:58.960 --> 0:17:02.160
<v Speaker 1>reminder TikTok is where there'll be additional information and a

0:17:02.280 --> 0:17:07.679
<v Speaker 1>longer explanation of each daily task. All right, everyone so excited,

0:17:07.920 --> 0:17:11.399
<v Speaker 1>let's do this. Bring on twenty twenty five. This is

0:17:11.480 --> 0:17:14.240
<v Speaker 1>Sugar Mama's fireplay, and thank you for listening.