Welcome to Let’s Build with Armada, the podcast where Washington homeowners learn how to remodel with clarity, strategy, and confidence—on a schedule that follows real projects, not a rigid calendar. I’m Charlie Carter from Armada Design & Build. After years of working across the greater Seattle area, I’ve learned that successful remodeling isn’t about luck. It’s about planning, transparent conversations, and understanding how every decision—from windows to insurance to material selections—a ...
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Join Keith Goeringer, a seasoned loan officer with over 20 years of experience, as he guides you through the complexities of mortgage and home loan transactions. Whether you're a first-time homebuyer, a homeowner looking to refinance, or exploring options like Rent to Own, USDA loans, FHA loans, or VA loans, this podcast is your go-to resource. Keith's extensive knowledge and dedication to smooth transactions ensure you get expert advice tailored to your needs. Each episode will break down t ...
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Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and b ...
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The Mow Money Mindset podcast works to support commercial and home service lawn care and landscape businesses. We combine insightful interviews, honest product reviews and thoughtful discussion focused on helping service providers think through ideas, issues and ownership. Our focus is to create practical, motivating, digestible, and informative content for our listeners. Subscribe now to "The Mow Money Mindset” Podcast and YouTube channel. Let’s be bold and make Mow Money together, one mind ...
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My 5 Best Non-Financial Investments: The Things That Truly Paid Off this year 💕
24:09
24:09
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24:09Money can buy many things — but not the ones that matter most. In this heartfelt episode, Financial Planner and author Canna Campbell shares the five non-financial investments that brought her the most joy, growth, and meaning in 2025. From healing through the Jamie Ryder Phoenix Program, to finding strength with budget-friendly home gym gear, to t…
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START HERE: How Many ETFs or LICs Should I Own?
25:06
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25:06In this Start Here episode, Canna answers one of the most common investing questions: “How many ETFs or LICs should I own?”We unpack how to avoid over-diversification, what research from Vanguard and Morningstar suggests, how to build a simple and powerful Core–Satellite portfolio, and how to decide whether to add new investments — or simply build …
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Remodel or Sell in 2026? Home Renovation ROI Explained!
46:09
46:09
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46:09In this episode, I sit down with Ryan Elsos, Senior Project Consultant at Armada Design & Build and a licensed real estate agent with Armada Homes, to talk honestly about remodeling ROI — without the hype. We break down what actually drives value when you’re investing serious money into your home, why kitchens and bathrooms still matter most, and t…
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How to Build Wealth Through Real Estate in Baltimore | Market Trends, Equity & Buying Strategies with John Crisafulli
27:38
27:38
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27:38Is now a good time to buy a home in Baltimore? In this episode of Yes, You Can Buy a Home, Keith sits down with top Baltimore real estate agent John Crisafulli of Remax First Choice to break down what’s really happening in today’s housing market—and what buyers and homeowners need to know heading into 2026. John shares his personal journey from a s…
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🔥 My 2025 Financial Goals - Passes, Fails & Lessons Learned
24:13
24:13
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24:13In this honest and inspiring episode, Financial Planner Canna Campbell shares her 2025 financial goals update - the wins, the misses, and the surprising lessons that came with both. From investing through debt recycling to cancelling a family holiday, from book writing to work-life boundaries, this episode is a candid look at what really happens wh…
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START HERE: Should I Accept Money From My Parents If I’m Still in Debt?
22:26
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22:26In today’s Start Here episode, Canna answers a deeply personal question many people quietly struggle with: “What do you do when your parents want to gift you money to help you buy a home… but you’re still in credit card debt and feel ashamed to accept it?” This episode is all about navigating the overlap between family, money, guilt, love, responsi…
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BNPL vs Credit Cards - Which one is "safer" to use this Christmas?
19:02
19:02
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19:02Are you a credit card user or a BNPL consumer? Which one is "safer" to use? In this episode I break down the important things that you need to know about BNPL, so that you are aware, educated and using these financial tools to your advantage with zero regrets. 💬 Let’s Keep the Conversation Going I’d love to hear your thoughts on this episode! Reach…
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START HERE: It’s Not Too Late! How to Rebuild Super & Pay Down Debt in Your 40s
26:28
26:28
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26:28This 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 supe…
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How to Finance Your Remodel: HELOCs, ARVs & Real Costs Explained!
49:55
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49:55In this episode, I sit down with renovation-financing expert Megan Safara from RenoFi to finally break down how homeowners can really fund their remodels. Most families want to upgrade their space — but very few understand how renovation loans, HELOCs, ARVs, and ADU/DADU financing actually work in 2025. We talk about the biggest mistakes people mak…
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Why You Need to Check Your Loans URGENTLY! APRA’s New DTI Rules
27:47
27:47
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27:47In this urgent episode of SugarMamma’s Fireplay, I sit down with senior mortgage broker John Micalizzi from Blue Lantern Home Loans to unpack APRA’s new Debt-to-Income (DTI) rules – what they mean, who’s most at risk, and why you cannot afford to ignore your numbers. John can assist you with any concerns regarding your DTI. John' contact details: j…
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START HERE: Downsizing for Retirement: How to Turn Your Home Equity Into Financial Freedom
23:10
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23:10In this Start Here episode, Canna answers Pamela’s question: “I’ve only got $77,000 in super and plan to retire in three years at 65. My home is worth $3 million, but most of my money is tied up in it. I’m considering downsizing — what do I need to know to make this money last?” Canna explains: How the Downsizer Contribution rules work and who qual…
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ASK ADAM: When and how to upgrade the family home without going broke
22:36
22:36
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22:36Your favourite Mortgage Broker is back, Adam McCabe from Blue Lantern. One of the best Mortgage Broking firms in Australia and the most experienced. Today we get to ask Adam about upgrading the family home...when is the right time to make the big move and what is the best and safest way to make this happen as smoothly as possible. In this episode w…
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START HERE: How to Talk to Your Parents About Money (Without Starting a Fight)
20:49
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20:49In this heartfelt Start Here episode, Canna answers a listener’s question about how to talk to ageing parents about money — especially when you’re worried they might make risky decisions around super or retirement. Canna explores how to start these sensitive conversations with empathy, respect, and confidence. She shares practical tools and scripts…
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Why You Need to Start Investing Now (with Michael McCarthy from moomoo)
38:12
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38:12In this week’s episode of SugarMamma’s Fireplay, proudly supported by moomoo, I sit down with influential veteran investor Michael McCarthy to talk about something that’s never been more important getting started with investing. We break down why investing is no longer optional in today’s world, the growing wealth gap between investors and non-inve…
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The Truth About Home Upgrades That Don’t Pay You Back
4:15
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4:15Most homeowners don’t realize they’re making the most expensive upgrade mistake until it’s too late. After 24 years in lending and thousands of buyer walkthroughs, Keith breaks down the upgrades that increase home value, the ones that shrink your equity, and the one thing you must fix before touching anything else. If you want clear, simple guidanc…
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START HERE: Should I Get Income Protection Insurance? How to Protect Your Income Without Breaking Your Budget
29:00
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29:00In this empowering Start Here episode, Canna answers a listener’s heartfelt question: “Is income protection worth it — even if it means slowing down my mortgage-free goals?” Canna breaks down what income protection really is, why it matters, and how to make it work within your budget, not against it. From holding cover inside super to adjusting wai…
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Your Money Motivation Manifesto: How to Reignite Your Financial Fire
35:20
35:20
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35:20In this inspiring episode, financial planner and author Canna Campbell helps you rediscover your financial spark when motivation starts to fade. Drawing from Brendon Burchard’s The Motivation Manifesto, Canna reveals how to create your very own Money Motivation Manifesto — a framework to help you reconnect with your financial goals, break through f…
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START HERE: Beating Financial Burnout - Finding Balance, Motivation & Hope For Mandy
21:34
21:34
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21:34Feeling exhausted by money? You’re not alone. In this empowering episode of Start Here, Canna Campbell answers Mandy’s heartfelt question about financial burnout. After years of saving and sacrificing for a home deposit, Mandy now finds herself going backwards — dipping into her hard-earned savings just to cover essentials. Canna shares a compassio…
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Live Longer, Live Better: Why Prevention Is the Best Investment You’ll Ever Make
39:23
39:23
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39:23Your health is your greatest asset — and neglecting it can cost you far more than any investment ever could. In this powerful episode of SugarMamma’s Fireplay, Canna sits down with Dr Lena Attebo from Oracle Healthcare, a doctor who specialises in preventative medicine. Together, they unpack why prevention is always cheaper than treatment — financi…
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START HERE: How to Use a Margin Loan WISELY: 7 Rules to Reduce Risk & Build Wealth
22:49
22:49
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22:49In 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 …
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How to Spot a Real Pro Realtor in 5 Minutes (The Test Most Agents Fail)
11:52
11:52
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11:52After 23 years in the mortgage business, Keith reveals the brutal truth about real estate agents — and how to tell the pros from the pretenders before you waste your time. You'll Discover: • Why 48% of real estate inquiries get completely ignored (and what this means for your home search) • The shocking response time stats that explain why good hou…
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AI May Take Your Job… But Here’s My Financial Game Plan to Retire Rich
25:33
25:33
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25:33In this special SugarMamma’s Fireplay episode — proudly supported by moomoo — I share my personal financial game plan to outsmart AI and build lasting financial independence. Everywhere we look, headlines warn that artificial intelligence is replacing jobs and reshaping industries. But what if, instead of fearing AI, we used it to our advantage — t…
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Why THDA Loans Can Fall Apart at the Last Minute (and How to Avoid It)
15:19
15:19
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15:19A THDA loan can be a great tool for first-time buyers — until it suddenly isn’t. In this episode, Keith shares a real story of a loan that died just two days before closing when an unexpected Verizon collection dropped a buyer’s credit score from 640 to 621. You’ll learn why THDA re-pulls credit at the last minute, how that can derail even strong b…
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START HERE: How Do I Pay Off $28,000 in Credit Card Debt and Finally Get Ahead?
19:48
19:48
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19:48Are you stuck in credit card debt and can’t seem to break free — no matter how many times you try? You’re not alone. In this Start Here episode of SugarMamma’s Fireplay, I answer a heartfelt question from Diana, who has $28,000 of credit card debt on a single card and desperately wants to turn her financial life around. Together, we unpack: ✅ Why t…
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From FIFO to Financial Freedom: Lindsey’s Journey to $1.8 Million Net Worth
44:50
44:50
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44:50In today’s episode of SugarMamma’s Fireplay, I sit down with Lindsey — a wife, mother, and inspiring example of what’s possible when you combine courage, discipline, and vision. Back in 2008, Lindsey and her husband were both earning $55,000 a year. They dreamed of building a life together but didn’t want to be tied to a huge mortgage forever. So t…
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Fake Mortgage Mail Scams: How Homeowners Are Being Targeted
9:53
9:53
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9:53“Don’t Panic — That Mortgage Letter Might Be Fake” “Paper Phishing: The New Mortgage Scam Flooding Mailboxes” “Fake Refunds, Fake Escrow Issues, Real Scams” Homeowners across the country are getting hit with a new wave of fake mortgage mail — letters that look official, use your lender’s name, and say things like “urgent escrow issue” or “refund av…
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START HERE: Should You Switch Your Super to Growth or High Growth?
26:35
26:35
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26:35If you’ve ever looked at your super and thought, “Am I in the right investment option?” — this episode is for you. One listener recently asked me: “Hi Canna, I’ve just realised I’m in the Balanced option with my super, but I don’t think this is right for me or my age group. Should I switch to Growth or High Growth?” It’s such a common question — an…
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What Happens to Your Money When You Can’t Work Anymore? FINANCIAL SURVIVAL
25:25
25:25
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25:25What happens when your body can no longer do the work you’ve built your career around? It’s a confronting thought, but one we all need to face. Whether it’s illness, injury, burnout, or simply age — the day may come when your body says “enough.” In this episode of SugarMamma’s Fireplay, I explore the financial and emotional reality of what happens …
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START HERE: How Long Will My Portfolio Take to Recover After a Market Crash?
13:44
13:44
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13:44One of the biggest fears for new investors is simple: what happens when the market crashes? In this Start Here episode of SugarMamma’s Fireplay, I answer Katrina’s question: “As we will one day have another GFC-style slump, how long will it take my high-growth ETF portfolio to recover?” Together, we explore what 150 years of market history teaches …
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Hope Housing – What you need to know about this different way of buying a home!
11:12
11:12
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11:12Hope Housing is not a government scheme — it’s a private initiative using shared equity to reduce entry barriers. It allows eligible buyers to get into the market sooner. Eligibility goes beyond first-time buyers The program shares in the future growth of the property, so it’s important to weigh up both benefits and trade-offs. Preparation is key: …
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START HERE: Finding Hope When Debt Feels Impossible - Vicki’s Path to Financial Freedom
17:03
17:03
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17:03In 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…
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Smart Shopping = Smart Saving: Making the Most of Prime Big Deal Days
16:43
16:43
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16:43How to stretch your Christmas budget, shop mindfully, and turn every saving into financial progress! With Christmas just around the corner and the cost of living still rising, most of us are looking for practical ways to stretch our money further, without sacrificing the joy of the festive season. In this special episode, proudly supported by Amazo…
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Inheritance in Australia: The Hidden Tax You Didn’t Know About
19:05
19:05
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19:05Many Australians believe there’s no inheritance tax in Australia. Technically, they’re right, death duties were abolished in 1979. But there’s a catch: taxes on superannuation death benefits and capital gains can still quietly erode what you leave behind, or what you receive from a non-financial dependent loved one. In this episode of SugarMamma’s …
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The TRUTH About Home Search Websites (What Lenders Won’t Tell You)
6:19
6:19
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6:19Buying a home doesn’t have to feel like navigating a maze blindfolded. Hosted by Keith Goeringer, a 23-year mortgage veteran, The Smart Homebuyer Podcast reveals the insider strategies, hidden pitfalls, and practical steps that save buyers money and stress. Each episode blends storytelling, market insight, and simple takeaways you can use right now…
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START HERE: Should We Move to a Regional Town to Afford the Life We Want? (Housing Affordability, Family Finances & The “Financial Gap Year”)
16:00
16:00
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16:00What do you do when the dream of home ownership feels impossible in a big city? In this Start Here episode of SugarMamma’s Fireplay, I respond to a young family of four, with a third baby on the way, who wrote in with this heartfelt question: “We are desperate to buy a home but can’t seem to save while living in Sydney. Should we move to a regional…
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From Paintbrush to Paycheck: Anna Price’s Inspiring Creative Journey
42:42
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42:42In this episode of Out of Thin Air, I sit down with Australian artist Anna Price, who turned her love of painting into a flourishing full-time business. Anna’s story proves that success doesn’t always start with money, it can start with an accident, curiosity, passion, resourcefulness, and the courage to take the first step. To connect with Anna: w…
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START HERE: Mortgage vs Super vs Investing: What Should You Focus on in Your 40s?
26:41
26:41
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26:41Are you in your 30s or 40s and wondering what to do first with your money? Is the best thing to smash the mortgage, clear HECS, invest in shares, or boost your super? You’re not alone. Lots of people ask me the same question! In this Start Here episode of SugarMamma’s Fireplay, I respond to a couple who asked: “We’re 40 and 42. We owe $148,000 on o…
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Six Essential Upgrades For A More Competitive Presence
16:19
16:19
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16:19Upgrading your lawn care business requires strategic improvements both internally and externally to become more competitive in the marketplace. • Accounting improvements revolutionize decision-making and financial visibility • Software and technology upgrades (CRMs, AI assistants) streamline operations and client communication • Leadership developm…
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Side Hustles & the Cost of Living: How Aussies Are Taking Back Control
14:48
14:48
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14:48Almost half of Australians say their income isn’t enough to cover the basics. Furthermore, nearly 2 in 5 are planning to take on extra work in the next 6 months. With rising costs, stagnant wages, and families feeling the pinch, more Australians are turning to side hustles to create breathing room in their budgets. In this episode of SugarMamma’s F…
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START HERE: What Should My Daughter Do With Her $25,000? | A Start Here Guide for Young Investors
12:26
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12:26Imagine turning 18 and gaining access to $25,000 that’s been sitting in trust since childhood. What would you do with it? keep it safe in cash, invest it for the long term, or a mix of both? In this Start Here episode of SugarMamma’s Fireplay, I respond to a thoughtful mum whose daughter is about to receive compensation money from a childhood accid…
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The Personal Growth Course That Healed & Transformed Me ( + Budget Friendly!)
17:21
17:21
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17:21In this deeply personal and transformative episode, I share with you my experience in confronting my fears and doing the work I needed to do, to help myself. I am talking about the Phoenix Program, created by Jamie Ryder, who is a coach, trauma educator and just a lovely caring person. After completing the program myself, I felt called to share thi…
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START HERE: Should I use my dividends to pay off DEBT or REINVEST for FINANCIAL FREEDOM?
23:36
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23:36In this Start Here episode, I tackle a thoughtful and highly relevant question: “Should I reinvest my dividends OR use them to pay down my mortgage?” As a Financial Planner and dividend-focused investor, I help unpack this decision from both a practical and mindset perspective. Explaining how each option can serve different goals and life stages, a…
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The Big Beautiful Bill: How a 4-Year Window Can Save You Thousands
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11:01Most people think the new Big Beautiful Bill is just politics. But for families and business owners, it’s a game-changer: four years of stable tax rules. In this episode, Keith breaks down what the bill really means — and how clients are using it to protect wealth, save on taxes, and plan confidently. You’ll hear how: A family earning $180k is usin…
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ASK Adam: The 7 Questions to ask before buying a property together!
29:53
29:53
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29:53Investing time upfront to understand each other's goals, dreams but also values and boundaries, is always a wise bet and will only add to your financial efficiency in building sustainable wealth. When you can understand and respect yours and your partner's position, making big financial decisions will be so much more enjoyable and harmonious. These…
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FHA Loans in Middle Tennessee: Why They’re a Smart Move for Buyers Under 720 Credit
7:28
7:28
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7:28Think FHA loans are only for broke buyers? That myth is costing families thousands of dollars when they move to Middle Tennessee. In this episode, I break down why FHA often beats conventional if you’re under a 720 credit score and putting less than 10% down. You’ll learn how FHA’s lower rates usually cancel out the upfront funding fee, why a 3.5% …
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START HERE: The Power of Compounding Interest to build YOU wealth!
23:00
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23:00Have you ever wondered how compounding actually works? And why it’s so important for building wealth and financial independence? Don't worry, you aren't alone! In this Start Here episode of SugarMamma’s Fireplay, I answer a listener’s question about understanding compounding before she invests her $5,000 savings and begins adding $400 per month. I …
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Why You Might Owe the ATO This Year! And How to Avoid It in the Future
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18:51Start Here: Why You Might Owe the ATO This Year & How to Avoid It in the Future If you were expecting a juicy tax refund this year but instead got hit with a bill from the ATO you’re not alone. Thousands of Aussies, particularly younger generations like Gen Z, are finding themselves owing money at tax time. And for some, it’s not just a few hundred…
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START HERE: How should I invest $10,000 inheritance for each of my kids?
20:42
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20:42Start Here: How Should I Invest $10,000 for Each of My Kids? Have your children received an inheritance or cash gift and you want to make sure it sets them up for the future? In this Start Here episode, I answer a powerful question from a listener whose three boys each received $10,000 from their grandfather. She wants to invest the money wisely an…
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The Sleep Well Strategy: My #1 Rule for ALL Retirees (and Future Retirees)
17:37
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17:37If you are retired or approaching retirement, this episode is essential listening for you. By understanding the power and security of this very simple savings strategy, AKA "My Sleep Well" strategy, you can help give your retirement goals a greater level of support, longevity and quite possibly even capitalise on long term opportunity. If you find …
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START HERE: Overwhelmed by BNPL? Do This Now.
18:08
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18:08Have you found yourself relying on Afterpay, Zip, Klarna or any Buy Now, Pay Later service just to get through the week? You’re not alone. And there’s zero shame here. But if BNPL has quietly built up into overwhelming debt, it’s time to take back control. In this Start Here episode, I walk you through five powerful, practical steps to break the BN…
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